Towards transparent financial AI: a systematic review of graph learning and explainable methods for credit risk and fraud detection

IF 18.8 2区 计算机科学 Q1 COMPUTER SCIENCE, ARTIFICIAL INTELLIGENCE
Artificial Intelligence Review Pub Date : 2026-07-15 Epub Date: 2026-10-13 DOI:10.1007/s10462-026-11645-z
Zahra Shams Khoozani, Manjeevan Seera, Chee Peng Lim
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引用次数: 0

Abstract

Graph-based learning and explainable artificial intelligence (XAI) are increasingly used to improve both predictive performance and transparency in financial risk modelling. This paper presents a systematic literature review of AI and machine learning approaches for credit risk assessment and fraud detection, with specific attention to graph-based methods and explainable frameworks. Following a PRISMA-guided methodology, 149 studies published between 2015 and 2025 were analysed across multiple academic databases. The review identifies three key findings. First, graph-based models, particularly graph neural networks, can improve the modelling of relational dependencies in financial data, although their use remains more developed in fraud detection than in credit risk assessment. Second, XAI techniques such as SHAP, LIME, and rule-based methods are increasingly used to support interpretability, auditability, and regulatory compliance, but their integration with graph-based models remains limited. Third, recent research is shifting from purely predictive modelling towards deployment-oriented financial AI systems that address class imbalance, concept drift, scalability, real-time monitoring, and governance. To address these gaps, this paper proposes a deployment-oriented reference framework that links graph construction, graph-based modelling, explainability mechanisms, monitoring, human oversight, and governance controls. The findings provide a structured synthesis of current research and practical guidance for developing scalable, transparent, and accountable financial AI systems.

走向透明的金融人工智能:对图学习和信用风险和欺诈检测的可解释方法的系统回顾
基于图的学习和可解释的人工智能(XAI)越来越多地用于提高金融风险建模的预测性能和透明度。本文对信用风险评估和欺诈检测的人工智能和机器学习方法进行了系统的文献综述,特别关注基于图的方法和可解释的框架。根据prisma指导的方法,2015年至2025年期间发表的149项研究在多个学术数据库中进行了分析。该审查确定了三个关键发现。首先,基于图的模型,特别是图神经网络,可以改进金融数据中关系依赖的建模,尽管它们在欺诈检测中的应用比在信用风险评估中的应用更发达。其次,诸如SHAP、LIME和基于规则的方法之类的XAI技术越来越多地用于支持可解释性、可审核性和法规遵从性,但是它们与基于图的模型的集成仍然有限。第三,最近的研究正在从纯粹的预测建模转向面向部署的金融人工智能系统,以解决阶级不平衡、概念漂移、可扩展性、实时监控和治理问题。为了解决这些差距,本文提出了一个面向部署的参考框架,该框架将图构造、基于图的建模、可解释性机制、监控、人工监督和治理控制联系起来。研究结果为开发可扩展、透明和负责任的金融人工智能系统提供了当前研究的结构化综合和实践指导。
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来源期刊
Artificial Intelligence Review
Artificial Intelligence Review 工程技术-计算机:人工智能
CiteScore
22.00
自引率
3.30%
发文量
194
审稿时长
5.3 months
期刊介绍: Artificial Intelligence Review, a fully open access journal, publishes cutting-edge research in artificial intelligence and cognitive science. It features critical evaluations of applications, techniques, and algorithms, providing a platform for both researchers and application developers. The journal includes refereed survey and tutorial articles, along with reviews and commentary on significant developments in the field.
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