Building AI That Explains Itself: Why Your Card Got Declined

Your customer's trying to buy groceries. Their card gets declined. They call, furious, asking why. Your answer: 'The fraud detection system flagged it.' They want to know why. You... don't know. When AI blocks transactions in real-time - catching fraud, stopping money laundering, protecting accounts - we can't just trust the black box. Customers are standing at checkout, embarrassed. Legitimate transactions get blocked. And you have no idea why your model made that call. This talk is about building AI systems that can explain their decisions. At Rabobank, we built explanation systems for transaction monitoring - models that process millions of transactions daily, flagging suspicious activity in milliseconds.