MUMBAI, India, Feb. 27 -- Intellectual Property India has published a patent application (202541096223 A) filed by Parthasarathy, Puzhal, Tamil Nadu, on Oct. 7, 2025, for 'explainable artificial intelligence system for financial risk assessment with regulatory compliance.'
Inventor(s) include Agusthiyar R; Mrs. Suriya S; and Mr. Siva D.
The application for the patent was published on Feb. 27, under issue no. 09/2026.
According to the abstract released by the Intellectual Property India: "An explainable artificial intelligence system for financial risk assessment that balances predictive accuracy with regulatory compliance and decision transparency is presented. The system employs a novel hybrid architecture combining high-accuracy deep learning with interpretable rule extraction mechanisms. A multi-level explanation framework generates explanations tailored to different stakeholders - from detailed technical explanations for auditors to simplified rationales for customers. The invention includes a counterfactual explanation generator that provides actionable feedback on how to improve outcomes. A regulatory alignment module ensures that all decisions adhere to relevant financial regulations, automatically adapting to regulatory changes. Deployment in financial institutions demonstrated a 27% improvement in risk assessment accuracy while meeting all regulatory requirements for decision transparency and reducing compliance review time by 62%."
Disclaimer: Curated by HT Syndication.
