Research Papers

iFlip: Iterative Feedback-driven Counterfactual Example Refinement

Yilong Wang, Qianli Wang, Nils Feldhus

Counterfactual examples are minimal edits to an input that alter a model's prediction. They are widely employed in explainable AI to probe model behavior and in natural language processing (NLP) to augment training data. However, generating valid counterfactuals with large language models (LLMs) remains challenging, as existing single-pass methods often fail to induce reliable label changes, neglecting LLMs' self-correction capabilities. To explore this untapped potential, we propose iFlip, an iterative refinement approach that leverages three types of feedback, including model confidence, feature attribution, and natural language. Our results show that iFlip achieves an average 57.8% higher validity than the five state-of-the-art baselines, as measured by the label flipping rate. The user study further corroborates that iFlip outperforms baselines in completeness, overall satisfaction, and feasibility. In addition, ablation studies demonstrate that three components are paramount for iFlip to generate valid counterfactuals: leveraging an appropriate number of iterations, pointing to highly attributed words, and early stopping. Finally, counterfactuals generated by iFlip enable effective counterfactual data augmentation, substantially improving model performance and robustness.

Algorithmic Bias in Lending: Evidence from a Fintech Audit

Madison Coots, Robert Bartlett, Julian Nyarko +1

Algorithmic lending has transformed the consumer credit landscape, with machine learning models commonly facilitating underwriting decisions. To comply with fair lending laws, these algorithms exclude legally protected characteristics, such as race and gender. Yet algorithmic underwriting can still inadvertently favor certain groups, prompting concerns about whether lending algorithms exhibit discriminatory behavior. Using proprietary loan-level data from a major U.S. fintech platform, we audit lending decisions across approximately 80,000 personal loans. We find that loans made to men and Black borrowers yielded lower profits than loans to other groups, suggesting that men and Black borrowers benefited from relatively favorable pricing. We trace these disparities to miscalibration in the platform's underwriting model, which overestimates risk for women and underestimates risk for Black borrowers. We then show that one could correct this miscalibration -- and the corresponding disparities -- by including race and gender in underwriting models, illustrating a tension between competing notions of fairness.

This paper presents the design and evaluation of a community-based artificial intelligence (AI) workflow developed for the Kaiapuni Assessment of Educational Outcomes (KĀ'EO) program, the only native language assessment used for federal accountability in the United States. The project explored whether document-grounded language models could ethically and effectively augment human analysis of item performance while preserving the cultural and linguistic integrity of the Hawaiian language. Operating under the KĀ'EO AI Policy Framework, the workflow used NotebookLM for cross-document synthesis of psychometric data and Claude 3.5 Sonnet for developer-facing interpretation, with human oversight at every stage. Fifty-eight flagged items across Hawaiian Language Arts, Mathematics, and Science were reviewed during Round 2 of the AI Lab, producing six interpretive briefs that identified systemic design issues such as linguistic ambiguity, Depth-of-Knowledge (DOK) misalignment, and structural overload. The findings demonstrate that AI can serve as an ethically bounded amplifier of human expertise, accelerating analysis while simultaneously prioritizing fairness, human expertise, and cultural authority. This work offers a replicable model for responsible AI integration in Indigenous-language educational measurement.

Dermatological conditions affect 1.9 billion people globally, yet accurate diagnosis remains challenging due to limited specialist availability and complex clinical presentations. Family history significantly influences skin disease susceptibility and treatment responses, but is often underutilized in diagnostic processes. This research addresses the critical question: How can AI-powered systems integrate family history data with clinical imaging to enhance dermatological diagnosis while supporting clinical trial validation and real-world implementation? We developed a comprehensive multi-modal AI framework that combines deep learning-based image analysis with structured clinical data, including detailed family history patterns. Our approach employs interpretable convolutional neural networks integrated with clinical decision trees that incorporate hereditary risk factors. The methodology includes prospective clinical trials across diverse healthcare settings to validate AI-assisted diagnosis against traditional clinical assessment. In this work, validation was conducted with healthcare professionals to assess AI-assisted outputs against clinical expectations; prospective clinical trials across diverse healthcare settings are proposed as future work. The integrated AI system demonstrates enhanced diagnostic accuracy when family history data is incorporated, particularly for hereditary skin conditions such as melanoma, psoriasis, and atopic dermatitis. Expert feedback indicates potential for improved early detection and more personalized recommendations; formal clinical trials are planned. The framework is designed for integration into clinical workflows while maintaining interpretability through explainable AI mechanisms.

Artificial intelligence (AI) is increasingly permeating healthcare, from physician assistants to consumer applications. Since AI algorithm's opacity challenges human interaction, explainable AI (XAI) addresses this by providing AI decision-making insight, but evidence suggests XAI can paradoxically induce over-reliance or bias. We present results from two large-scale experiments (623 lay people; 153 primary care physicians, PCPs) combining a fairness-based diagnosis AI model and different XAI explanations to examine how XAI assistance, particularly multimodal large language models (LLMs), influences diagnostic performance. AI assistance balanced across skin tones improved accuracy and reduced diagnostic disparities. However, LLM explanations yielded divergent effects: lay users showed higher automation bias - accuracy boosted when AI was correct, reduced when AI erred - while experienced PCPs remained resilient, benefiting irrespective of AI accuracy. Presenting AI suggestions first also led to worse outcomes when the AI was incorrect for both groups. These findings highlight XAI's varying impact based on expertise and timing, underscoring LLMs as a "double-edged sword" in medical AI and informing future human-AI collaborative system design.

Generative Artificial Intelligence (AI) has created unprecedented opportunities for creative expression, education, and research. Text-to-image systems such as DALL.E, Stable Diffusion, and Midjourney can now convert ideas into visuals within seconds, but they also present a dual-use dilemma, raising critical ethical concerns: amplifying societal biases, producing high-fidelity disinformation, and violating intellectual property. This paper introduces SafeGen, a framework that embeds ethical safeguards directly into the text-to-image generation pipeline, grounding its design in established principles for Trustworthy AI. SafeGen integrates two complementary components: BGE-M3, a fine-tuned text classifier that filters harmful or misleading prompts, and Hyper-SD, an optimized diffusion model that produces high fidelity, semantically aligned images. Built on a curated multilingual (English- Vietnamese) dataset and a fairness-aware training process, SafeGen demonstrates that creative freedom and ethical responsibility can be reconciled within a single workflow. Quantitative evaluations confirm its effectiveness, with Hyper-SD achieving IS = 3.52, FID = 22.08, and SSIM = 0.79, while BGE-M3 reaches an F1-Score of 0.81. An ablation study further validates the importance of domain-specific fine-tuning for both modules. Case studies illustrate SafeGen's practical impact in blocking unsafe prompts, generating inclusive teaching materials, and reinforcing academic integrity.

This paper examines how international AI governance frameworks address gender issues and gender-based harms. The analysis covers binding regulations, such as the EU AI Act; soft law instruments, like the UNESCO Recommendations on AI Ethics; and global initiatives, such as the Global Partnership on AI (GPAI). These instruments reveal emerging trends, including the integration of gender concerns into broader human rights frameworks, a shift toward explicit gender-related provisions, and a growing emphasis on inclusivity and diversity. Yet, some critical gaps persist, including inconsistent treatment of gender across governance documents, limited engagement with intersectionality, and a lack of robust enforcement mechanisms. However, this paper argues that effective AI governance must be intersectional, enforceable, and inclusive. This is key to moving beyond tokenism toward meaningful equity and preventing reinforcement of existing inequalities. The study contributes to ethical AI debates by highlighting the importance of gender-sensitive governance in building a just technological future.

SEA-SafeguardBench: Evaluating AI Safety in SEA Languages and Cultures

Panuthep Tasawong, Jian Gang Ngui, Alham Fikri Aji +2

Safeguard models help large language models (LLMs) detect and block harmful content, but most evaluations remain English-centric and overlook linguistic and cultural diversity. Existing multilingual safety benchmarks often rely on machine-translated English data, which fails to capture nuances in low-resource languages. Southeast Asian (SEA) languages are underrepresented despite the region's linguistic diversity and unique safety concerns, from culturally sensitive political speech to region-specific misinformation. Addressing these gaps requires benchmarks that are natively authored to reflect local norms and harm scenarios. We introduce SEA-SafeguardBench, the first human-verified safety benchmark for SEA, covering eight languages, 21,640 samples, across three subsets: general, in-the-wild, and content generation. The experimental results from our benchmark demonstrate that even state-of-the-art LLMs and guardrails are challenged by SEA cultural and harm scenarios and underperform when compared to English texts.

Accurate and timely diagnosis of multi-class skin lesions is hampered by subjective methods, inherent data imbalance in datasets like HAM10000, and the "black box" nature of Deep Learning (DL) models. This study proposes a trustworthy and highly accurate Computer-Aided Diagnosis (CAD) system to overcome these limitations. The approach utilizes Deep Convolutional Generative Adversarial Networks (DCGANs) for per class data augmentation to resolve the critical class imbalance problem. A fine-tuned ResNet-50 classifier is then trained on the augmented dataset to classify seven skin disease categories. Crucially, LIME and SHAP Explainable AI (XAI) techniques are integrated to provide transparency by confirming that predictions are based on clinically relevant features like irregular morphology. The system achieved a high overall Accuracy of 92.50 % and a Macro-AUC of 98.82 %, successfully outperforming various prior benchmarked architectures. This work successfully validates a verifiable framework that combines high performance with the essential clinical interpretability required for safe diagnostic deployment. Future research should prioritize enhancing discrimination for critical categories, such as Melanoma NOS (F1-Score is 0.8602).

This research introduces the Decentralized Finance (DeFi) TrustBoost Framework, which combines blockchain technology and Explainable AI to address challenges faced by lenders underwriting small business loan applications from low-wealth households. The framework is designed with a strong emphasis on fulfilling four crucial requirements of blockchain and AI systems: confidentiality, compliance with data protection laws, resistance to adversarial attacks, and compliance with regulatory audits. It presents a technique for tamper-proof auditing of automated AI decisions and a strategy for on-chain (inside-blockchain) and off-chain data storage to facilitate collaboration within and across financial organizations.

The intense computational demands of AI, especially large foundation models, are driving a global boom in data centers. These facilities bring both tangible benefits and potential environmental burdens to local communities. However, the planning processes for data centers often fail to proactively integrate local public opinion in advance, largely because traditional polling is expensive or is conducted too late to influence decisions. To address this gap, we introduce an AI agent polling framework, leveraging large language models to assess community opinion on data centers and guide responsible development of AI. Our experiments reveal water consumption and utility costs as primary concerns, while tax revenue is a key perceived benefit. Furthermore, our cross-model and cross-regional analyses show opinions vary significantly by LLM and regional context. Finally, agent responses show strong topical alignment with real-world survey data. Our framework can serve as a scalable screening tool, enabling developers to integrate community sentiment into early-stage planning for a more informed and socially responsible AI infrastructure deployment.

AI/ML models have rapidly gained prominence as innovations for solving previously unsolved problems and their unintended consequences from amplifying human biases. Advocates for responsible AI/ML have sought ways to draw on the richer causal models of system dynamics to better inform the development of responsible AI/ML. However, a major barrier to advancing this work is the difficulty of bringing together methods rooted in different underlying assumptions (i.e., Dana Meadow's "the unavoidable a priori"). This paper brings system dynamics and structural equation modeling together into a common mathematical framework that can be used to generate systems from distributions, develop methods, and compare results to inform the underlying epistemology of system dynamics for data science and AI/ML applications.