arXiv:2608. 09433v1 Announce Type: cross Abstract: In regulated domains such as finance, a model that cannot be explained cannot be deployed, yet many interpretable classifiers defeat their own purpose by producing formulas with dozens of features that no regulator could read.
arXiv:2607. 00856v1 Announce Type: cross Abstract: In recent years, large language models have achieved remarkable success and have seen growing adoption in financial applications.
arXiv:2606. 12360v1 Announce Type: new Abstract: Language-model post-training is the main stage at which model behavior is shaped, yet it still largely involves optimization of scalar rewards that summarize diverse desiderata.
arXiv:2609.06426v1 Announce Type: new Abstract: Small additive ensembles of symbolic rules offer interpretable prediction models. Traditionally, these ensembles use rule conditions based on conjuncti...
Language-model post-training is the main stage at which model behavior is shaped, yet it still largely involves optimization of scalar rewards that summarize diverse desiderata. This abstraction gives practitioners little visibility into what their data actually teaches models, allowing spurious correlations to be learned by a model and inducing undesirable behaviors such as over-stylization and sycophancy.
The paper introduces Adaptive Derivative-Ordered Random Explanation (ADORE), a unified framework that uses first- and second-order derivatives to capture nonlinear feature interactions and feature-sample dynamics. ADORE combines global feature importance with local sample contributions, quantifying both magnitude and direction of feature impact while identifying critical samples. It achieves computational efficiency via randomized SVD and dynamic sparsity detection, outperforming LIME and SHAP across tabular, text, and image data, and is released as an open-source Python package on GitHub.
arXiv:2608. 09834v1 Announce Type: cross Abstract: Financial sentiment analysis converts unstructured financial news into quantitative signals that can support market analysis and decision-making.
arXiv:2607. 26368v1 Announce Type: cross Abstract: Financial disclosures contain numerical claims, temporal statements, entity references, policy commitments, and risk descriptions that may conflict in qualitatively different ways.
arXiv:2605. 18147v2 Announce Type: replace Abstract: Predictive models play a pivotal role in credit risk management, guiding critical decisions through accurate estimation of default probabilities and losses.
arXiv:2505. 24622v3 Announce Type: replace Abstract: Many high-stakes screening tasks require predicting rare outcomes from unstructured text, where errors are costly and decisions must be auditable.
arXiv:2603.04275v2 Announce Type: replace-cross Abstract: We introduce inference methods for score decompositions, which partition scoring functions for predictive assessment into three interpretable...
arXiv:2607. 09502v1 Announce Type: cross Abstract: 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.
arXiv:2608.30086v1 Announce Type: cross Abstract: Credit-default prediction is an important task in financial decision making. Traditional methods use fitted classifiers such as logistic regression a...