Conference papers
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Item Embargo Explainable Multilingual Sentiment Analysis for Sinhala, English and Code-Mixed Banking Reviews(Institute of Electrical and Electronics Engineers Inc., 2025-12-09) Senevirathna, P; Adhikari, N; Navojith, T; Rizvi, A; Kasthurirathna, D; Abeywardhana, LThe growth of multilingual and code-mixed communication in the financial sector presents significant challenges for sentiment analysis, particularly in low-resource languages such as Sinhala. Existing NLP models often underperform due to limited annotated data, domain-specific vocabulary gaps, and a lack of transparency. This paper presents a multilingual and explainable sentiment analysis framework that addresses the challenges of low-resource and code-mixed languages by analyzing banking customer feedback in English, Sinhala, and Sinhala-English code-mixed formats. A dataset of 13,000 aspect-tagged banking reviews spanning five key banking aspects is used for evaluation. The framework classifies comments into positive, neutral, or negative sentiment and provides interpretable explanations using SHAP (Shapley Additive Explanations) and LIME (Local Interpretable Model Agnostic Explanations). English sentiment classification is performed using a fine-tuned BERT-base-uncased model, while Sinhala/code-mixed sentiment is handled by a hybrid XLM RoBERTa with a domain-specific lexicon correction approach. The framework achieves 92.3% accuracy and 0.89 F1-score for English, and 88.4% accuracy and 0.84 F1-score for Sinhala/code-mixed data. The proposed system addresses reproducibility, interpretability, and domain adaptation gaps, offering a deployable solution for multilingual financial sentiment monitoring.Item Embargo A Reinforcement Learning Approach with Human in the Loop to Explainable Insurance Risk Scoring and Intelligent Policy Portfolio Optimization(Institute of Electrical and Electronics Engineers, 2026-05-29) Gamage, C; Kasthuriarachchi, T; Denuwan, C; Mallawaarachchi, P; Abeywardhana, L; Nawarathne, MAssessing individual risk accurately and optimizing insurance portfolios in real time remain major challenges due to static actuarial tables, opaque models, and fragmented analytical pipelines. This paper proposes a two-part Explainable AI (XAI) framework addressing both issues. The first component, Artificial Intelligence-driven risk scoring with human-in-the-loop (HIL) weight adjustment, uses a Proximal Policy Optimization (PPO) agent to suggest feature-based changes to an insurer's risk-equation weights. Shapley Additive Explanations(SHAP) attributions and Generative AI reasoning make these changes interpretable, allowing human reviewers to approve modifications that are immediately applied to future customers, creating a self-improving loop. The second component, AI-driven policy optimization, leverages a PPO supported by an XGBoost expense regressor, SHAP/LIME explainability, PPO agent and a Retrieval-Augmented Generation (RAG) layer for rider assignment. Both components share a data backbone of 100,000 anonymized insurance records stored in MongoDB, enabling incremental updates without reprocessing. Experiments show the XGBoost regressor achieves Root Mean Square Error (RMSE) 0.4406 and Mean Absolute Error (MAE) 0.3600, the HIL guided agent increases average episodic reward by 10.3%, and the RAG layer reaches 91.7% rider-assignment accuracy. The framework significantly enhances predictive accuracy, interpretability, regulatory traceability, and portfolio adaptability compared to traditional actuarial and black-box approaches.
