Perimattic：2025金融领域的可解释AI：构建可信且透明的决策系统白皮书（英文版）（17页）.pdf

1、Explainable AI in FinanceBuilding Trustworthy and Transparent Decision SystemsAugust 2025Table of Contents1 Executive Summary2 Introduction:The Black Box Problem in Financial AI3 What is Explainable AI(XAI)?4 Applications of XAI in Finance5 Building Trust and Transparency with XAI6 Challenges and Co

2、nsiderations for Implementing XAI7 The Future of XAI in Finance8 Conclusion and Recommendations1The integration of Artificial Intelligence(AI)and Machine Learning(ML)has revolutionized the financial services industry,offering unprecedented opportunities for efficiency,accuracy,and profitability.From

3、 credit scoring and algorithmic trading to fraud detection and customer service,AI-powered systems are increasingly at the heart of critical financial operations.However,the growing complexity of these models,particularly black box systems like deep neural networks,has created a significant challeng

4、e:a lack of transparency and interpretability.This opacity can lead to a host of problems,including regulatory and compliance risks,reputational damage,and the perpetuation of bias.Executive Summary2A recent study by Accenture found that companies championing responsible AI,which has transparency an

5、d explainability at its core,achieve 35%higher equity returns on average.This paper will delve into the core principles of XAI,its key applications in the financial sector,and the tangible benefits it offers.We will also examine the challenges and considerations for implementing XAI and look ahead t

6、o the future of this transformative technology.Ultimately,this whitepaper will provide actionable insights and recommendations for financial institutions seeking to leverage the power of AI responsibly and ethically,moving from a position of operational risk to one of strategic advantage.3This white