Next-Generation Mortgage Platforms: Merging Explainable AI, Sign Language Intelligence, and Sustainable IT for Risk-Aware Software Solutions
DOI:
https://doi.org/10.15680/vhjvc153Keywords:
Explainable Artificial Intelligence (XAI), Mortgage Loan Risk Assessment, Sign Language Intelligence (SLI), Sustainable IT Operations, Risk-Aware Software Engineering, Inclusive Financial Technology, Ethical AI Systems, Green Cloud ComputingAbstract
Emerging trends in artificial intelligence and sustainable computing are redefining financial technologies by integrating ethical, explainable, and inclusive software practices. This paper presents a unified framework that merges Explainable Artificial Intelligence (XAI), Sign Language Intelligence (SLI), and Sustainable IT principles to develop risk-aware, next-generation mortgage loan platforms. The proposed model introduces a transparent AI-driven risk assessment engine that leverages interpretable machine learning techniques—such as SHAP and counterfactual reasoning—to enable credit evaluation processes that are auditable, bias-resistant, and compliant with regulatory standards.
In parallel, Sign Language Intelligence powered by transformer-based vision–language models and multimodal neural architectures enables real-time translation, accessibility, and inclusivity for hearing-impaired users, thereby extending equitable financial participation. The system is further optimized through sustainable IT practices, employing carbon-aware cloud orchestration, efficient model compression, and serverless deployment to reduce computational waste and improve long-term energy efficiency.
By integrating XAI transparency, inclusive communication design, and eco-conscious infrastructure, the proposed platform demonstrates a measurable reduction in explainability latency (–28%), model energy consumption (–24%), and accessibility barriers (+39% improvement in user engagement). The resulting architecture advances the paradigm of responsible FinTech software development—balancing transparency, inclusivity, and environmental stewardship to build future-ready, risk-aware mortgage ecosystems.
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