explainable ai

Responsible AI Governance Framework for Intelligent Enterprises

Artificial Intelligence (AI) has become a foundational capability for modern intelligent enterprises,transforming business operations, customer engagement, decision-making, supply chains, cybersecurity, enterprise architecture, and digital innovation. Organizations increasingly deploy Generative AI, Large Language Mode...

Structured PREreview of "Foundation Models for Bioacoustics -- a Comparative Review"

This Zenodo record is a permanently preserved version of a Structured PREreview. You can view the complete PREreview at https://prereview.org/reviews/22693218. Does the introduction explain the objective of the research presented in the preprint? Yes The introduction states its objective directly rather than making the...

Reconfiguration of Responsible Subjects: Transformation of Responsibility Attribution through the Participation of Non-Human Reactive Entities

This paper develops a theoretical model of how responsibility structures may come under pressure for reconfiguration as non-human reactive entities—including generative AI, autonomous control systems, recommendation algorithms, and other computational systems—participate continuously in social operations. Rather than a...

What Chooses the First Principal Component Is Not the Data but the Units ── The same sample points at 55.6503 degrees in cm, 89.7345 in m, and 4.1934 in mm ── Not one value was changed; they were multiplied ── Standardising settles it at 45.0000 degrees, but standardising is itself a choice ── [Paper 375]

Principal component analysis is described as extracting the main direction in the data. This paper asks whether the data alone fix that direction──the answer is that they do not: the units do. No new mathematical theorem and no new law is claimed. Scope of this paper (scope note): No new mathematical theorem and no new...

What Chooses the First Principal Component Is Not the Data but the Units ── The same sample points at 55.6503 degrees in cm, 89.7345 in m, and 4.1934 in mm ── Not one value was changed; they were multiplied ── Standardising settles it at 45.0000 degrees, but standardising is itself a choice ── [Paper 375]

Principal component analysis is described as extracting the main direction in the data. This paper asks whether the data alone fix that direction──the answer is that they do not: the units do. No new mathematical theorem and no new law is claimed. Scope of this paper (scope note): No new mathematical theorem and no new...

Impact of Artificial Intelligence on Credit Assessment in Microfinance Banks in Nigeria

The rapid expansion of Nigeria's digital lending industry has led to the development of effective credit risk assessment systems. The low credit histories and strong information asymmetry were two of the numerous issues that the traditional credit scoring algorithms had to deal with. The impact of artificial intelligen...

AN ANALYSIS OF LEADING FOREIGN BANKS' PRACTICES IN APPLYING ARTIFICIAL- INTELLIGENCE-BASED MANAGEMENT SYSTEMS FOR CREDIT RISK ASSESSMENT AND THE EARLY DETECTION OF PROBLEM LOANS

Artificial-intelligence-based management systems used by the world's leading commercial banks to assess credit risk and detect problem loans at an early stage are analyzed. The role and potential of Machine Learning, Deep Learning, Big Data Analytics, Explainable AI (XAI), Early Warning Systems (EWS), Behavioral Scorin...

Development and validation of the generative AI assessment literacy scale for higher education students: psychometric evidence and associations with feedback engagement and academic integrity

The GAA-LS provides a psychometrically supported instrument for assessing students’ assessment-specific capacity to use GenAI responsibly within assessment contexts and contributes to applied measurement, feedback design, and academic integrity policy in AI-supported higher education.

Open research challenges and future directions for multimodal healthcare security

The swift advancement of multimodal artificial intelligence (AI) has changed the face of integration of diverse data types, such as medical images, texts, biosignals, genomics, wearables, and clinical data in the field of medicine. However, the deployment of reliable, secure, and scaled multimodal healthcare systems is...

AI-assisted multimodal data integration for precision oncology

The landscape of unimodal data modalities used in oncological practice including clinical records, multi-scale imaging, and multi-omics signatures is examined, alongside a critical comparison of the deep-learning architectures and integration frameworks used to combine these data sources into advanced predictive models...

Digital Technology-Augmented Indigenous Knowledge Management: A Qualitative Exploration of Sustainable Competitiveness among Bamboo Craft MSMEs in Tasikmalaya, Indonesia

ABSTRACT Digital technologies are increasingly reshaping creative industries by expanding access to design references, market intelligence, external knowledge, and digital communication opportunities. However, limited attention has been given to how digital technologies interact with indigenous knowledge systems in tra...

Explainable AI-based deep learning for predicting soil dielectric and salinity properties using FTIR spectroscopy in gypsum-amended soils