Simon Grima

Explainable Artificial Intelligence in Financial Fraud Detection: A Systematic Review and FinTech-Oriented ADO–TCCM Meta-Framework for Trust, Governance, and Transparency

The study introduces the Stability–Transparency–Reliability (STR) model, which advances TPB, Socio-Technical Systems Theory, and the Dynamic Capabilities View by reframing XAI from a static interpretability output into a recursive governance capability, formalised through the concept of Interpretative Agility, with direct implications for financial institutions operating under the EU AI Act.