Explainable Decisions

Provide explainability for scoring and decision-support outputs.

TECHNICAL DESIGN WORKSPACE

Explainability Model

Area	Design responsibility
Reason codes	Return concise standardized reasons for score movement or risk classification.
Feature contribution	Show which signals materially influenced the score.
Decision trace	Record the scoring path, thresholds and decision-support logic used.
Evidence trace	Retain provenance for input features and derived indicators where applicable.
Confidence	Expose uncertainty and insufficient-data conditions explicitly.
Counterfactual explanation	Where appropriate, indicate which changed conditions would alter the outcome.
Operator explanation	Provide actionable technical explanations for payment operators.
Regulatory explanation	Provide auditable, reproducible records suitable for oversight and review.
User explanation	Support simplified explanations where end-user communication is appropriate.
Audit log	Record model, feature, threshold and decision versions for later reconstruction.
Reproducibility	Allow authorized replay of scoring decisions from preserved inputs and versions.
Appeal / review pathway	Support human review without treating model output as irreversible truth.