arXiv:2608. 05367v1 Announce Type: new Abstract: Counterfactual analysis aims to predict potential outcomes under hypothetical scenarios, offering valuable insights for decision-making.
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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. 18418v1 Announce Type: new Abstract: The increasing use of machine learning algorithms in social applications has raised concerns about fairness and transparency, leading to the development of counterfactual explanations.
iFlip is an iterative refinement method for generating counterfactual examples using large language models. It incorporates three feedback types—model confidence, feature attribution, and natural language—to guide successive edits. Experiments show iFlip outperforms five state‑of‑the‑art baselines, achieving a 57.8% higher validity rate and improving model performance through counterfactual data augmentation.
arXiv:2606. 19416v1 Announce Type: new Abstract: Loan origination is the process by which a lender creates a new loan, from application and underwriting through approval and funding.
The paper introduces a framework that uses large language models (LLMs) to generate natural‑language narratives explaining cross‑sectional stock return predictions. It combines temporal Shapley additive explanations (SHAP) from an XGBoost model with historical regime analogs to provide context. A controlled study shows that progressively externalizing numerical and relational reasoning improves evidence faithfulness and accuracy, while historical analogs boost human‑rated usefulness.
arXiv:2606. 08696v1 Announce Type: cross Abstract: Counterfactual recourse aims to provide actionable feature changes that would alter an unfavorable decision made by a predictive model.