A credit-scoring AI rejects a loan. Which ethical principle is most directly violated if no human-understandable reason is given?

💡 Explanation:

Explainability (XAI) is the ethical principle and technical mechanism focused on providing clear, human-understandable reasons for specific AI decisions or outputs, such as a rejected loan application. Without this explanation, the principle is directly violated. System Transparency, in contrast, generally refers to the openness of the overall system design, data sources, and operational processes, not the justification for a single, specific decision. Data Minimization relates to privacy, and Human Oversight relates to final accountability and intervention.