The lack of explainability of a decision from an Artificial Intelligence (AI) based "black box" system/model, despite its superiority in many real-world applications, is a key stumbling block for adopting AI in many high stakes applications of different domain or industry. While many popular Explainable Artificial Intelligence (XAI) methods or approaches are available to facilitate a human-friendly explanation of the decision, each has its own merits and demerits, with a plethora of open challenges. We demonstrate popular XAI methods with a mutual case study/task (i.e., credit default prediction), analyze for competitive advantages from multiple perspectives (e.g., local, global), provide meaningful insight on quantifying explainability, and recommend paths towards responsible or human-centered AI using XAI as a medium. Practitioners can use this work as a catalog to understand, compare, and correlate competitive advantages of popular XAI methods. In addition, this survey elicits future research directions towards responsible or human-centric AI systems, which is crucial to adopt AI in high stakes applications.

该研究演示了可解释人工智能的多种方法，并与信用违约预测等任务进行了比较，提出了定量解释性的有意义见解，为开发负责任或以人为中心的AI系统提供方向和未来研究方向，有助于在高风险应用中采用AI。

可解释人工智能方法：一项调查