@article{ART003332463},
author={Dongsoo Moon},
title={Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness},
journal={Journal of Internet of Things and Convergence},
issn={2466-0078},
year={2026},
volume={12},
number={2},
pages={147-155}
TY - JOUR
AU - Dongsoo Moon
TI - Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness
JO - Journal of Internet of Things and Convergence
PY - 2026
VL - 12
IS - 2
PB - The Korea Internet of Things Society
SP - 147
EP - 155
SN - 2466-0078
AB - As the adoption of AI in the financial sector accelerates, algorithmic bias has become a critical issue. This study diagnoses the fairness of AI models from the perspective of providing 'financial opportunity,' moving beyond the traditional focus on risk management. We constructed a VIP prediction model using Random Forest based on credit card usage behavior data and analyzed latent biases using SHAP (Shapley Additive Explanations) and a proposed 'Intersectional Stress Testing' method based on counterfactual scenarios. The results showed that while the model appeared rational in univariate analysis (e.g., gender alone), intersectional analysis combining gender, age, and credit history revealed a 'Systemic Exclusion' phenomenon, with a 75.5-fold gap in VIP approval probability between disadvantaged and advantaged groups. This study empirically demonstrates that AI can amplify complex discrimination in limited information environments and suggests that fairness verification must expand from single-attribute analysis to multivariate intersectional diagnosis.
KW - Financial AI Fairness;Intersectionality;Explainable AI (XAI);Systemic Exclusion;VIP Prediction
DO -
UR -
ER -
Dongsoo Moon. (2026). Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness. Journal of Internet of Things and Convergence, 12(2), 147-155.
Dongsoo Moon. 2026, "Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness", Journal of Internet of Things and Convergence, vol.12, no.2 pp.147-155.
Dongsoo Moon "Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness" Journal of Internet of Things and Convergence 12.2 pp.147-155 (2026) : 147.
Dongsoo Moon. Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness. 2026; 12(2), 147-155.
Dongsoo Moon. "Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness" Journal of Internet of Things and Convergence 12, no.2 (2026) : 147-155.
Dongsoo Moon. Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness. Journal of Internet of Things and Convergence, 12(2), 147-155.
Dongsoo Moon. Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness. Journal of Internet of Things and Convergence. 2026; 12(2) 147-155.
Dongsoo Moon. Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness. 2026; 12(2), 147-155.
Dongsoo Moon. "Diagnosis of Financial Opportunity Inequality using XAI: Focusing on Intersectional Fairness" Journal of Internet of Things and Convergence 12, no.2 (2026) : 147-155.
