Is AI making credit scores better, or more confusing?

A consumer's credit score used to be a commonly understood number -- the time-honored FICO score -- that banks all used in their underwriting. But banks increasingly are relying on dozens of scores that reflect a variety of data sources, analytics and use of artificial intelligence technology. The use of AI offers lenders the ability to get a precise look into someone's creditworthiness and score those previously deemed unscorable. But such scoring techniques also bring uncertainty: What it will take to convince regulators that AI-based credit scores are not a black box? How do you get a system trained to look at the interactions of many variables, to produce one clear reason for declining credit?