arXiv:2602.19620v1 Announce Type: new Abstract: Rules and Weights are popular XAI techniques for explaining AI decisions. Yet, it remains unclear how to choose between them, lacking a cognitive framework to compare their interpretability. In an elicitation user study on forward and counterfactual decision tasks, we identified 7 reasoning strategies of interpreting three XAI Schemas - weights, rules, and their hybrid. To analyze their capabilities, we propose CoXAM, a Cognitive XAI-Adaptive Model with shared memory representation to encode instance attributes, linear weights, and decision rules. CoXAM employs computational rationality to choose among reasoning processes based on the trade-off in utility and reasoning time, separately for forward or counterfactual decision tasks. In a validation study, CoXAM demonstrated a stronger alignment with human decision-making compared to baseline machine learning proxy models. The model successfully replicated and explained several key empirical findings, including that counterfactual tasks are inherently harder than forward tasks, decision tree rules are harder to recall and apply than linear weights, and the helpfulness of XAI depends on the application data context, alongside identifying which underlying reasoning strategies were most effective. With CoXAM, we contribute a cognitive basis to accelerate debugging and benchmarking disparate XAI techniques.

arXiv:2602.13784v1 Announce Type: cross Abstract: Explaining with examples is an intuitive way to justify AI decisions. However, it is challenging to understand how a decision value should change relative to the examples with many features differing by large amounts. We draw from real estate valuation that uses Comparables-examples with known values for comparison. Estimates are made more accurate by hypothetically adjusting the attributes of each Comparable and correspondingly changing the value based on factors. We propose Comparables XAI for relatable example-based explanations of AI with Trace adjustments that trace counterfactual changes from each Comparable to the Subject, one attribute at a time, monotonically along the AI feature space. In modelling and user studies, Trace-adjusted Comparables achieved the highest XAI faithfulness and precision, user accuracy, and narrowest uncertainty bounds compared to linear regression, linearly adjusted Comparables, or unadjusted Comparables. This work contributes a new analytical basis for using example-based explanations to improve user understanding of AI decisions.