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Research in Explainable AI

My research investigates explanation faithfulness in credit scoring, demographic fairness, and scalable human-in-the-loop oversight. The manuscripts below are open-access preprints.

Open Access Preprint · v1.0.0 · 1 mai 2026

Constitutional Oversight of Hybrid ML-RAG Credit Scoring Systems: Scalable Governance for Safe and Fair Financial Inclusion in Emerging Economies ↗

A three-tier oversight framework to enforce faithfulness and fairness in hybrid ML-RAG credit scoring systems: financial constitution, AI referee, and human-in-the-loop audit.

DOI : 10.5281/zenodo.19955522

Conceptual Preprint · Empirical validation in progress · 17 mai 2026

Holistic Life Scoring (HLS): A New Paradigm for Inclusive Financial Intelligence in Emerging Economies ↗

A credit scoring paradigm expanding evaluation beyond traditional banking to financial, civic, behavioral, and contextual signals, coupled with explicit consent and bias auditing.

DOI : 10.5281/zenodo.20247598