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Bridging Human Cognition and AI: A Framework for Explainable Decision-Making Systems

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  • N. Jean
  • G. Le Pera

Abstract

Explainability in AI and ML models is critical for fostering trust, ensuring accountability, and enabling informed decision making in high stakes domains. Yet this objective is often unmet in practice. This paper proposes a general purpose framework that bridges state of the art explainability techniques with Malle's five category model of behavior explanation: Knowledge Structures, Simulation/Projection, Covariation, Direct Recall, and Rationalization. The framework is designed to be applicable across AI assisted decision making systems, with the goal of enhancing transparency, interpretability, and user trust. We demonstrate its practical relevance through real world case studies, including credit risk assessment and regulatory analysis powered by large language models (LLMs). By aligning technical explanations with human cognitive mechanisms, the framework lays the groundwork for more comprehensible, responsible, and ethical AI systems.

Suggested Citation

  • N. Jean & G. Le Pera, 2025. "Bridging Human Cognition and AI: A Framework for Explainable Decision-Making Systems," Papers 2509.02388, arXiv.org.
    • Handle: RePEc:arx:papers:2509.02388
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    References listed on IDEAS

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    1. A. R. Provenzano & D. Trifir`o & A. Datteo & L. Giada & N. Jean & A. Riciputi & G. Le Pera & M. Spadaccino & L. Massaron & C. Nordio, 2020. "Machine Learning approach for Credit Scoring," Papers 2008.01687, arXiv.org.
    2. Marc Schmitt, 2024. "Explainable Automated Machine Learning for Credit Decisions: Enhancing Human Artificial Intelligence Collaboration in Financial Engineering," Papers 2402.03806, arXiv.org.
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