A bank must be able to explain to a customer why an AI system declined their loan. Which responsible AI principle is this?
Why A is the answer
Transparency
Transparency means people can understand how a system reaches its outcomes. Fairness is about equal treatment across groups, which is related but a different question.
In detail
- Transparency means people can understand how a system reached its result.
- Transparency also means telling people when AI is involved.
Use case
An illustrative scenario, not a real incident.
A loan applicant is declined and asks why. The bank can name the factors behind the decision, which is transparency in practice.
See it in different ways
mindmap
root((Responsible AI))
Fairness
Reliability and safety
Privacy and security
Inclusiveness
Transparency
Accountabilitymindmap
root((Responsible AI))
Fairness
Treats groups equally
Reliability and safety
Consistent, fails safely
Privacy and security
Protects data
Inclusiveness
Works for everyone
Transparency
Can be explained
Accountability
People are answerableflowchart LR S0["Application"] --> S1["AI decision"] --> S2["Factors recorded"] --> S3["Explanation to the customer"]
Key point: If people can understand the result, the system is transparent.
Why the other options are wrong
- B. Reliability and safety
- Reliability is about consistent, safe operation.
- C. Fairness
- Fairness is about equal treatment, not about explaining a result.
- D. Inclusiveness
- Inclusiveness is about working for everyone.