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arXiv 2101.02555cs.HCcs.AIcs.CYcs.LG
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可解释性AI与财务顾问的采纳:一项实验研究

Explainable AI and Adoption of Financial Algorithmic Advisors: an Experimental Study

The Hebrew University of Jerusalem(耶路撒冷希伯来大学);Intuit Inc.(财捷集团)

Daniel Ben David, Yehezkel S. Resheff, Talia Tron

摘要:

我们研究了从人类或算法顾问那里获得的建议,以及五种类型的本地和全球解释标签,是否会影响采用的准备程度,支付意愿和对金融AI顾问的信任。我们使用一个独特的实验框架,在不同的关键情况下,随着时间的推移比较的差异,参与者玩一个基于网络的游戏,真正的货币后果。我们观察到,在初始阶段对模型进行基于准确性的解释会导致更高的采用率。当模型的表现完美无瑕时,采用何种解释就不那么重要了。使用更详细的基于特征或基于准确性的解释有助于大大减少模型失败时的采用率下降。此外,使用自动驾驶仪可以显著提高采用率。被分配到带有解释的AI标记建议的参与者愿意为建议支付更多的费用,而不是带有无解释替代方案的AI标记建议。这些结果增加了关于XAI对算法采用和信任的重要性的文献。

英文摘要:

We study whether receiving advice from either a human or algorithmic advisor, accompanied by five types of Local and Global explanation labelings, has an effect on the readiness to adopt, willingness to pay, and trust in a financial AI consultant. We compare the differences over time and in various key situations using a unique experimental framework where participants play a web-based game with real monetary consequences. We observed that accuracy-based explanations of the model in initial phases leads to higher adoption rates. When the performance of the model is immaculate, there is less importance associated with the kind of explanation for adoption. Using more elaborate feature-based or accuracy-based explanations helps substantially in reducing the adoption drop upon model failure. Furthermore, using an autopilot increases adoption significantly. Participants assigned to the AI-labeled advice with explanations were willing to pay more for the advice than the AI-labeled advice with a No-explanation alternative. These results add to the literature on the importance of XAI for algorithmic adoption and trust.

机构、总结、中文摘要均由AI分析而来,可能存在错误,请以论文正文为准。

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