Persistent and Conversational Multi-Method Explainability for Trustworthy Financial AI
Authors: Georgios Makridis, Georgios Fatouros, John Soldatos, George Katsis, Dimosthenis Kyriazis
Organizations: University of Piraeus, Greece · ExpertAI-Lux S.à r.l · Department of Digital Systems
Abstract
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.
Explaining machine-learning models is increasingly important for decision-making and consumer trust, yet it is widely believed to come at a cost: existing Explainable AI (XAI) methods suffer from a persistent accuracy-explainability trade-off. We argue that this trade-off is not fundamental, but an artifact of treating explanation and prediction as separate objectives; when properly coupled, they become complementary, so that equipping a model to explain itself improves, rather than degrades, its accuracy. We introduce the Rashomon Explanation paradigm, which builds a set of faithful, prediction-guiding explanations rather than a single one, and prove that this set is generally non-empty and that explanation fidelity bounds the performance of the models it guides. To explore this set, we propose RashomonLLM, an Explanation-Prediction-Reflection agentic workflow that generates explanations in natural language by iteratively aligning them with predictions, and we prove it converges and recovers the full set. Across customer-churn classification, clinical survival regression, and industrial click-through prediction on large-scale live-streaming logs, RashomonLLM significantly outperforms state-of-the-art prediction and XAI baselines on both accuracy and explanation quality, with gains driven by explanation fidelity and robust to distribution shifts, temporal splits, and seeds. Our framework thus advances business performance while laying the groundwork for consumer trust.
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.
Amritpal Singh, Andrey Barsky, Mohamed Ali Souibgui +2
Explainable AI (XAI) helps users interpret model behavior and identify potential faults. Agentic XAI systems use Large Language Models (LLMs) to make explanations more accessible through natural-language interaction, but they can also produce plausible yet unfaithful explanations. This risk arises because unreliable XAI outputs for complex models can be amplified by LLMs and mislead users. We propose Faithful Agentic XAI (FAX), a framework that improves explanation faithfulness through explicit verification. FAX decomposes draft explanations into claims and cross-checks them against inherently faithful tools, filtering unsupported or contradictory claims before final generation. We also introduce CRAFTER-XAI-Bench, an open-world reinforcement learning benchmark with complex policies, diverse goals, and challenging scenarios for assessing model-specific faithfulness. On CRAFTER-XAI-Bench, FAX improves simulation faithfulness from 0.20 for the strongest baseline to 0.46 while maintaining high informativeness, relevance, and fluency. On three tabular benchmarks, FAX performs competitively with prior Agentic XAI baselines, but our analysis shows that these settings can conflate task accuracy with model-specific faithfulness. These findings show that explicit verification is essential for faithful Agentic XAI and that that faithfulness benchmarks must be designed to test explanations against the behavior of the target model itself.