# Rules or Weights? Comparing User Understanding of Explainable AI Techniques with the Cognitive XAI-Adaptive Model

arXiv: https://arxiv.org/abs/2602.19620 · HTML: https://mlsanity.com/paper/2602.19620/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Builds on 48 of its 150 references that are in the map.
- First posted on arXiv 23 Feb 2026.

## Builds on (most cited first, 30 of 48)

- [Proximal Policy Optimization Algorithms](https://mlsanity.com/paper/1707.06347/) (2017)
- [Chain-of-Thought Prompting Elicits Reasoning in Large Language Models](https://mlsanity.com/paper/2201.11903/) (2022)
- [Segment Anything](https://mlsanity.com/paper/2304.02643/) (2023)
- [Grad-CAM: Visual Explanations from Deep Networks via Gradient-based Localization](https://mlsanity.com/paper/1610.02391/) (2016)
- [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)
- [Generative Agents: Interactive Simulacra of Human Behavior](https://mlsanity.com/paper/2304.03442/) (2023)
- [Towards A Rigorous Science of Interpretable Machine Learning](https://mlsanity.com/paper/1702.08608/) (2017)
- [Interpretability Beyond Feature Attribution: Quantitative Testing with Concept Activation Vectors (TCAV)](https://mlsanity.com/paper/1711.11279/) (2017)
- [Concept Bottleneck Models](https://mlsanity.com/paper/2007.04612/) (2020)
- [Tabular Data: Deep Learning is Not All You Need](https://mlsanity.com/paper/2106.03253/) (2021)
- [Deep Neural Networks and Tabular Data: A Survey](https://mlsanity.com/paper/2110.01889/) (2021)
- [Manipulating and Measuring Model Interpretability](https://mlsanity.com/paper/1802.07810/) (2018)
- [Machine Theory of Mind](https://mlsanity.com/paper/1802.07740/) (2018)
- [Evaluating Explainable AI: Which Algorithmic Explanations Help Users Predict Model Behavior?](https://mlsanity.com/paper/2005.01831/) (2020)
- [Large Language Models(LLMs) on Tabular Data: Prediction, Generation, and Understanding -- A Survey](https://mlsanity.com/paper/2402.17944/) (2024)
- [What Do We Want From Explainable Artificial Intelligence (XAI)? -- A Stakeholder Perspective on XAI and a Conceptual Model Guiding Interdisciplinary XAI Research](https://mlsanity.com/paper/2102.07817/) (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)
- [When combinations of humans and AI are useful: A systematic review and meta-analysis](https://mlsanity.com/paper/2405.06087/) (2024)
- [A Comprehensive Taxonomy for Explainable Artificial Intelligence: A Systematic Survey of Surveys on Methods and Concepts](https://mlsanity.com/paper/2105.07190/) (2021)
- [Towards Human-centered Explainable AI: A Survey of User Studies for Model Explanations](https://mlsanity.com/paper/2210.11584/) (2022)
- [Automated Rationale Generation: A Technique for Explainable AI and its Effects on Human Perceptions](https://mlsanity.com/paper/1901.03729/) (2019)
- [Human-AI Collaboration via Conditional Delegation: A Case Study of Content Moderation](https://mlsanity.com/paper/2204.11788/) (2022)
- [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)
- [Learning Certifiably Optimal Rule Lists for Categorical Data](https://mlsanity.com/paper/1704.01701/) (2017)
- [Explainable Artificial Intelligence: A Survey of Needs, Techniques, Applications, and Future Direction](https://mlsanity.com/paper/2409.00265/) (2024)
- [The Problem with Metrics is a Fundamental Problem for AI](https://mlsanity.com/paper/2002.08512/) (2020)
- [Human-in-the-Loop Interpretability Prior](https://mlsanity.com/paper/1805.11571/) (2018)
- [Shared Interest: Measuring Human-AI Alignment to Identify Recurring Patterns in Model Behavior](https://mlsanity.com/paper/2107.09234/) (2021)

## Abstract (arXiv)

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.