Topic archive

Explainability

2 published stories filed under Explainability.

A small-business owner at their workbench with a calm advisor figure beside them pointing at a simple cash-flow timeline, suggesting a recommendation while the owner keeps a hand on the decision.

applied ai June 24, 2026 5 min read

The banking layer non-expert owners actually need

Most small-business owners aren't finance people, yet the tools they live in still ask them to make expensive cash calls alone. Embedding judgment — not just dashboards — inside those tools is the real applied-AI opportunity. Here is how to build it without breaking trust.

An applied-AI take on embedding cash-flow and risk judgment inside the everyday tools that non-expert small-business owners already use.

Keith Pattison

Founder, Black Flag Design

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Three distinct data streams flowing into a single balanced scale that outputs one numbered score, with a human hand resting on the scale's beam

applied ai June 24, 2026 4 min read

Scoring people fairly: the explainability burden of rating humans with AI

Composite scores that rank people — blending grades, social signals, and demonstrated skill — are some of the highest-stakes models you can ship. The hard part isn't the math; it's earning the right to be trusted with a number that changes someone's life.

When AI assigns a single score to a person, explainability and bias aren't features — they're the whole product. Here's how to build composite rating systems that hold up.

Keith Pattison

Founder, Black Flag Design

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