IQNN-CS: Interpretable Quantum Neural Network for Credit Scoring
Khan, Abdul Samad, Innan, Nouhaila, Khalique, Aeysha, Shafique, Muhammad
–arXiv.org Artificial Intelligence
Credit scoring is a high-stakes task in financial services, where model decisions directly impact individuals' access to credit and are subject to strict regulatory scrutiny. While Quantum Machine Learning (QML) offers new computational capabilities, its black-box nature poses challenges for adoption in domains that demand transparency and trust. In this work, we present IQNN-CS, an interpretable quantum neural network framework designed for multiclass credit risk classification. The architecture combines a variational QNN with a suite of post-hoc explanation techniques tailored for structured data. To address the lack of structured interpretability in QML, we introduce Inter-Class Attribution Alignment (ICAA), a novel metric that quantifies attribution divergence across predicted classes, revealing how the model distinguishes between credit risk categories. Evaluated on two real-world credit datasets, IQNN-CS demonstrates stable training dynamics, competitive predictive performance, and enhanced interpretability. Our results highlight a practical path toward transparent and accountable QML models for financial decision-making.
arXiv.org Artificial Intelligence
Oct-20-2025
- Country:
- Asia
- Middle East > UAE
- Abu Dhabi Emirate > Abu Dhabi (0.14)
- Pakistan > Punjab
- Lahore Division > Lahore (0.04)
- Middle East > UAE
- Europe > Switzerland
- Basel-City > Basel (0.04)
- North America > United States
- New York (0.04)
- Asia
- Genre:
- Research Report > New Finding (0.34)
- Industry:
- Banking & Finance > Credit (1.00)
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