# Exploring the Impact of Explainable AI and Cognitive Capabilities on Users' Decisions

arXiv: https://arxiv.org/abs/2505.01192 · HTML: https://mlsanity.com/paper/2505.01192/

## Key facts

- Cited by 1 papers in the map (data through 14 Oct 2026).
- Builds on 53 of its 153 references that are in the map.
- First posted on arXiv 2 May 2025.

## Builds on (most cited first, 30 of 53)

- [A Unified Approach to Interpreting Model Predictions](https://mlsanity.com/paper/1705.07874/) (2017)
- ["Why Should I Trust You?": Explaining the Predictions of Any Classifier](https://mlsanity.com/paper/1602.04938/) (2016)
- [On Calibration of Modern Neural Networks](https://mlsanity.com/paper/1706.04599/) (2017)
- [Counterfactual Explanations without Opening the Black Box: Automated Decisions and the GDPR](https://mlsanity.com/paper/1711.00399/) (2017)
- [Explaining Machine Learning Classifiers through Diverse Counterfactual Explanations](https://mlsanity.com/paper/1905.07697/) (2019)
- [Does the Whole Exceed its Parts? The Effect of AI Explanations on Complementary Team Performance](https://mlsanity.com/paper/2006.14779/) (2020)
- [Effect of Confidence and Explanation on Accuracy and Trust Calibration in AI-Assisted Decision Making](https://mlsanity.com/paper/2001.02114/) (2020)
- [Evaluating Explainable AI: Which Algorithmic Explanations Help Users Predict Model Behavior?](https://mlsanity.com/paper/2005.01831/) (2020)
- [On Human Predictions with Explanations and Predictions of Machine Learning Models: A Case Study on Deception Detection](https://mlsanity.com/paper/1811.07901/) (2018)
- [Proxy Tasks and Subjective Measures Can Be Misleading in Evaluating Explainable AI Systems](https://mlsanity.com/paper/2001.08298/) (2020)
- [Benchmarking and Survey of Explanation Methods for Black Box Models](https://mlsanity.com/paper/2102.13076/) (2021)
- [Human-Centered Explainable AI (XAI): From Algorithms to User Experiences](https://mlsanity.com/paper/2110.10790/) (2021)
- [To Trust or to Think: Cognitive Forcing Functions Can Reduce Overreliance on AI in AI-assisted Decision-making](https://mlsanity.com/paper/2102.09692/) (2021)
- [Explanations Can Reduce Overreliance on AI Systems During Decision-Making](https://mlsanity.com/paper/2212.06823/) (2022)
- [Human-Centered Tools for Coping with Imperfect Algorithms during Medical Decision-Making](https://mlsanity.com/paper/1902.02960/) (2019)
- [HIVE: Evaluating the Human Interpretability of Visual Explanations](https://mlsanity.com/paper/2112.03184/) (2021)
- ['It's Reducing a Human Being to a Percentage'; Perceptions of Justice in Algorithmic Decisions](https://mlsanity.com/paper/1801.10408/) (2018)
- [Towards Human-centered Explainable AI: A Survey of User Studies for Model Explanations](https://mlsanity.com/paper/2210.11584/) (2022)
- [Classifier Calibration: A survey on how to assess and improve predicted class probabilities](https://mlsanity.com/paper/2112.10327/) (2021)
- [Explainable Artificial Intelligence for Autonomous Driving: A Comprehensive Overview and Field Guide for Future Research Directions](https://mlsanity.com/paper/2112.11561/) (2021)
- [Understanding the Role of Human Intuition on Reliance in Human-AI Decision-Making with Explanations](https://mlsanity.com/paper/2301.07255/) (2023)
- [Who Should I Trust: AI or Myself? Leveraging Human and AI Correctness Likelihood to Promote Appropriate Trust in AI-Assisted Decision-Making](https://mlsanity.com/paper/2301.05809/) (2023)
- [Towards Unifying Feature Attribution and Counterfactual Explanations: Different Means to the Same End](https://mlsanity.com/paper/2011.04917/) (2020)
- [Deciding Fast and Slow: The Role of Cognitive Biases in AI-assisted Decision-making](https://mlsanity.com/paper/2010.07938/) (2020)
- [Do People Engage Cognitively with AI? Impact of AI Assistance on Incidental Learning](https://mlsanity.com/paper/2202.05402/) (2022)
- [Leveraging Explanations in Interactive Machine Learning: An Overview](https://mlsanity.com/paper/2207.14526/) (2022)
- [In Search of Verifiability: Explanations Rarely Enable Complementary Performance in AI-Advised Decision Making](https://mlsanity.com/paper/2305.07722/) (2023)
- [Aleatoric and Epistemic Uncertainty with Random Forests](https://mlsanity.com/paper/2001.00893/) (2020)
- [Knowing About Knowing: An Illusion of Human Competence Can Hinder Appropriate Reliance on AI Systems](https://mlsanity.com/paper/2301.11333/) (2023)
- [ViCE: Visual Counterfactual Explanations for Machine Learning Models](https://mlsanity.com/paper/2003.02428/) (2020)

## Built on by (most cited first, 1 of 1)

- [Epistemic Trustworthiness in Generative AI: A Normative Framework for Warranted Reliance in High-Stakes Workflows](https://mlsanity.com/paper/2608.05602/) (2026)

## Abstract (arXiv)

Artificial Intelligence (AI) systems are increasingly used for decision-making across domains, raising debates over the information and explanations they should provide. Most research on Explainable AI (XAI) has focused on feature-based explanations, with less attention on alternative styles. Personality traits like the Need for Cognition (NFC) can also lead to different decision-making outcomes among low and high NFC individuals. We investigated how presenting AI information (prediction, confidence, and accuracy) and different explanation styles (example-based, feature-based, rule-based, and counterfactual) affect accuracy, reliance on AI, and cognitive load in a loan application scenario. We also examined low and high NFC individuals' differences in prioritizing XAI interface elements (loan attributes, AI information, and explanations), accuracy, and cognitive load. Our findings show that high AI confidence significantly increases reliance on AI while reducing cognitive load. Feature-based explanations did not enhance accuracy compared to other conditions. Although counterfactual explanations were less understandable, they enhanced overall accuracy, increasing reliance on AI and reducing cognitive load when AI predictions were correct. Both low and high NFC individuals prioritized explanations after loan attributes, leaving AI information as the least important. However, we found no significant differences between low and high NFC groups in accuracy or cognitive load, raising questions about the role of personality traits in AI-assisted decision-making. These findings highlight the need for user-centric personalization in XAI interfaces, incorporating diverse explanation styles and exploring multiple personality traits and other user characteristics to optimize human-AI collaboration.