Informative Semi-Factuals for XAI: The Elaborated Explanations that People Prefer

Explainable AI (XAI) techniques are increasingly important for the validation and responsible use of modern deep learning models, but are difficult to evaluate due to the lack of good ground-truth to compare against. We propose a framework that serves as a quantifiable metric for the quality of XAI methods, based on continuous input perturbation. Our metric formally considers the sufficiency and necessity of the attributed information to the model's decision-making, and we illustrate a range of cases where it aligns better with human intuitions of explanation quality than do existing metrics. To exploit the properties of this metric, we also propose a novel XAI method, considering the case where we fine-tune a model using a differentiable approximation of the metric as a supervision signal. The result is an adapter module that can be trained on top of any black-box model to output causal explanations of the model's decision process, without degrading model performance. We show that the explanations generated by this method outperform those of competing XAI techniques according to a number of quantifiable metrics.

The XAI community has studied a wide range of queries and scores for explaining predictions of ML models. From a data management perspective, this proliferation of explanation notions calls for declarative query languages in which such notions can be specified, combined, and analyzed uniformly. In this paper, we develop such a framework for Boolean models. We first revisit FOIL, an interpretability query language for black-box models, and show that it has two fundamental limitations: it cannot express central optimality-based explanation queries, and its evaluation problem over decision trees is hard for every level of the polynomial hierarchy. We then introduce ExplAIner, a query language based on FOIL with an extended vocabulary and a layered structure. We show that ExplAIner can express a broad family of explanation notions, including abductive, contrastive, feature-based, and distance-based queries. We also prove that the evaluation problem for each query in ExplAIner belongs to the Boolean hierarchy over every class of Boolean models for which some basic predicates can be evaluated in polynomial time. In particular, that property holds for deterministic and decomposable Boolean circuits. Finally, we introduce Opt-FOIL, an optimization-oriented fragment of ExplAIner for computing explanations that are minimal with respect to strict partial orders, and prove that its evaluation problem is in $\mathrm{FP}^{\mathrm{NP}}$ under the same tractability assumptions. These complexity results have a direct algorithmic consequence: a fixed ExplAIner query can be evaluated with a fixed number of calls to a SAT solver, while a notion of explanation specified in Opt-FOIL can be computed with a polynomial number of such calls. This is particularly relevant in formal XAI, where SAT solvers have been successfully used to compute explanations for several classes of ML models.

Financial institutions increasingly require AI explanations that are persistent, cross-validated across methods, and conversationally accessible to human decision-makers. We present an architecture for human-centered explainable AI in financial sentiment analysis that combines three contributions. First, we treat XAI artifacts -- LIME feature attributions, occlusion-based word importance scores, and saliency heatmaps -- as persistent, searchable objects in distributed S3-compatible storage with structured metadata and natural-language summaries, enabling semantic retrieval over explanation history and automatic index reconstruction after system failures. Second, we enable multi-method explanation triangulation, where a retrieval-augmented generation (RAG) assistant compares and synthesizes results from multiple XAI methods applied to the same prediction, allowing users to assess explanation robustness through natural-language dialogue. Third, we evaluate the faithfulness of generated explanations using automated checks over grounding completeness, hallucinated claims, and method-attribution behavior. We demonstrate the architecture on an EXTRA-BRAIN financial sentiment analysis pipeline using FinBERT predictions and present evaluation results showing that constrained prompting reduces hallucination rate by 36% and increases method-attribution citations by 73% compared to naive prompting. We discuss implications for trustworthy, human-centered AI services in regulated financial environments.