Explainable AI
Transparent AI decision-making with clear explanations for every credit assessment
Loan Decision Analysis
Application Details
Application ID
CR-2024-0789
ApplicantTechStart Innovation Ltd
Loan Amount$850,000
Decision
APPROVED
Confidence87%
Risk Assessment
78
Overall Risk Score
Low to moderate risk profile suitable for approval
Interactive Decision Explanation
Generate loan decision explanations based on credit and ESG risk assessments.
Decision Inputs
Credit Risk Data
From Risk Calculator
ESG Risk Data
From ESG Calculator
Decision Logic
AI Model
Use the calculators on Features and ESG pages first, then return here for combined analysis.
AI Decision Explanation
Click "Generate Decision Explanation" to see results
Feature Importance Analysis
Understanding which factors contributed most to the AI's decision
Credit History
positive
85%Cash Flow Analysis
positive
78%Industry Risk
negative
65%Debt-to-Income
positive
72%Collateral Value
positive
68%Market Conditions
neutral
45%AI Model Transparency
Model Type
Gradient Boosting Classifier
98.2% accuracy on validation set
Training Data
2.3M loan applications
Updated monthly with new data
Bias Testing
Fair lending compliant
Regular bias audits performed
Regulatory Compliance
GDPR Right to Explanation compliant
Fair Credit Reporting Act aligned
Model Risk Management framework
Auditable decision trails maintained