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Measuring What Explanations Actually Achieve—An Umbrella Review of Fidelity, Stability, Comprehensibility, Decision Usefulness, Human Trust, and Reliance

Review | Open access | Published: 15 March 2026
Volume 5, article number 81, (2026) Cite this article
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  1. Department of Explainable AI and Human Factors, University of Manchester, Manchester, United Kingdom
  2. Department of AI and Decision Support, University of Ghana, Accra, Ghana
  3. Department of Computer Science and Engineering, University of Bologna, Bologna, Italy
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Abstract

Explainable artificial intelligence has generated extensive technical and human-centered evaluation research, yet substantial uncertainty remains about what explanation evaluations actually demonstrate. This umbrella review synthesizes review-level evidence concerning the evaluation of fidelity, faithfulness, stability, robustness, comprehensibility, cognitive accessibility, decision usefulness, human trust, trust calibration, and reliance. Rather than reviewing explanation algorithms as methods, the article examines the constructs, metrics, study designs, and validity assumptions through which explanation quality has been assessed. The synthesis distinguishes technical correspondence with model behavior from human judgments of plausibility, understanding, usefulness, and satisfaction. It further separates human trust from system trustworthiness and behavioral reliance from beneficial decision support. Review-level evidence indicates that technical metrics are heterogeneous, terminology is inconsistently operationalized, and stable or plausible explanations are not necessarily faithful. Human-centered evaluations frequently rely on self-reported understanding, satisfaction, or trust, while objective comprehension, cognitive load, decision quality, appropriate reliance, overreliance, and underreliance receive less consistent assessment. Evidence linking technical explanation properties to downstream human and institutional outcomes remains limited, particularly across stakeholder groups, realistic decision contexts, repeated use, and changing system conditions. The umbrella synthesis therefore rejects single-metric interpretations of explanation quality and organizes evaluation as a multidimensional evidence problem involving technical validity, cognitive accessibility, decision consequences, calibrated trust, reliance behavior, accountability, and contestability. Its principal contribution is a consolidated evaluation agenda that clarifies what existing measures may support, what they do not establish, and which methodological connections require stronger user-centered, task-specific, longitudinal, and socio-technical validation.

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Introduction

Explainable artificial intelligence has developed from a collection of methods for exposing aspects of opaque model behavior into a broader research domain concerned with transparency, interpretability, human interaction, and responsible system use. Foundational surveys nevertheless reveal substantial heterogeneity in explanation objectives, method families, terminology, and evaluation assumptions [1–3]. Consequently, the presence of an explanation cannot itself demonstrate that the explanation accurately represents a model, helps an intended user, improves a decision, or supports accountable system operation.

Explanation is also a cognitive and social phenomenon rather than solely a technical artifact. People often seek selective, contrastive, context-sensitive accounts that answer particular questions and fit existing knowledge, expectations, and practical goals [4]. An explanation that is mathematically detailed may therefore be inaccessible to its intended audience, whereas an intuitively plausible account may conceal important model behavior. Technical correspondence and human intelligibility must accordingly be treated as related but distinct evaluation targets.

The central evaluation problem is not whether an explanation can be produced, but what the explanation actually achieves. Relevant outcomes include fidelity to the predictive system, stability under appropriate perturbations, comprehensibility for intended stakeholders, support for accurate mental models, usefulness within a decision task, calibrated rather than maximized trust, appropriate rather than indiscriminate reliance, and effective opportunities for scrutiny or challenge. These outcomes occur at different evidentiary levels and should not be collapsed into a general claim that an explanation is “good.”

This article provides an original umbrella review of review-level evidence on explainability evaluation. It compares how prior reviews characterize technical properties, human-centered outcomes, trust, reliance, decision support, and evaluation validity; identifies recurrent construct and measurement gaps; and develops a future evaluation agenda. The synthesis does not independently establish that explanations improve understanding, decisions, accountability, or deployment outcomes. Its contribution is to clarify what existing evaluations measure, which conclusions those measures may support, and where stronger evidence remains necessary.

Evaluation Challenges in Explainable AI

Explainability evaluation is complicated because explanation systems are designed for different users and purposes. Developers may seek debugging information, auditors may require evidence of model behavior, domain professionals may need decision-relevant reasoning, and affected individuals may need understandable grounds for challenge or recourse. Evaluation should therefore be aligned with the intended stakeholder, explanatory objective, model context, and practical task rather than applying the same success criterion universally [5].

Terminological inconsistency further weakens comparison. Explainability, interpretability, transparency, comprehensibility, fidelity, faithfulness, robustness, usefulness, and trust are sometimes treated as interchangeable despite referring to different properties or outcomes. Reviews of evaluation approaches show that technical, human-grounded, and application-grounded assessments are often combined without clear construct boundaries [6]. Metric validity becomes uncertain when a measure’s label, operational definition, and intended inference do not correspond.

Technical evaluation usually examines whether an explanation reflects some aspect of model behavior. Proposed measures address correctness, fidelity, robustness, consistency, completeness, sparsity, sensitivity, or related properties, but their definitions and implementations vary across explanation families. A systematic review of quantitative evaluation methods found broad metric proliferation alongside uneven coverage and limited standardization [7]. A favorable score may therefore support a narrow property claim while remaining insufficient for claims about comprehension, usefulness, trustworthiness, or decision quality.

Human-centered evaluation introduces additional validity problems. Self-reported clarity, satisfaction, confidence, or trust can be informative, but they do not necessarily demonstrate objective understanding, calibrated reliance, or improved decisions. Ecological validity, external validity, stakeholder diversity, system uncertainty, and repeated-use effects are also frequently underdeveloped. Explainability should consequently be treated as one component of trustworthy artificial intelligence rather than as independent proof of fairness, safety, accountability, or readiness for operational use [8].

Umbrella Review Scope and Review-Level Evidence Sources

The umbrella review addresses six questions: which evaluation challenges recur across review-level XAI evidence; how fidelity, faithfulness, stability, robustness, and consistency are assessed; how comprehensibility, cognitive accessibility, mental models, and understanding are evaluated; how decision usefulness, trust calibration, reliance, and automation bias are examined; which cross-dimensional patterns emerge; and which evidence gaps should guide future evaluation. A meta-survey perspective is appropriate because the objective is to synthesize patterns across reviews rather than reinterpret primary findings as direct umbrella-level proof [9].

Eligible evidence sources comprise peer-reviewed review articles and review-oriented syntheses that contribute directly to explanation evaluation. Systematic reviews, survey reviews, meta-surveys, comprehensive reviews, multidisciplinary syntheses, and selected state-of-the-art assessments were prioritized. Supporting conceptual or methodological studies were reserved for constructs requiring additional clarification. Reviews of user studies are especially important because they reveal variation in study populations, explanation tasks, outcome measures, experimental designs, and interpretations of trust or understanding [10].

Evidence extraction was organized around publication type, explainability context, technical evaluation properties, human-centered constructs, decision and trust outcomes, evaluation methods, principal limitations, and contribution to the umbrella synthesis. Broad XAI reviews were used to contextualize method and application diversity, but their findings were not treated as direct evidence that explanations produce beneficial human outcomes [11]. Categories not clearly reported by a source were treated as unreported rather than inferred.

Synthesis was qualitative and construct-centered. Review-level patterns were compared across fidelity, stability, comprehension, cognitive accessibility, decision usefulness, trust, reliance, accountability, and validity. Particular attention was given to tensions between technical and human outcomes and to emerging evaluation challenges involving foundation models. Contemporary interdisciplinary agendas support movement toward stakeholder-aware, impact-oriented, and longitudinal assessment while cautioning against further metric proliferation without stronger validity evidence [12].

Table 1 summarises the umbrella review logic used to identify, screen, map, and synthesize review-level evidence on explainable AI evaluation.

Table 1. Umbrella Review Logic for Explainable AI Evaluation: Review Questions, Evidence-Source Types, Inclusion Criteria, Exclusion Criteria, Screening Logic, Review-Level Evidence Verification, Evidence Extraction Categories, Evaluation-Dimension Mapping, Citation Planning, and Review Boundaries

Review component

Core review question or purpose

Inclusion logic

Exclusion logic

Evidence mapped

Evaluation dimension addressed

Bias or limitation risk

Umbrella review role

Review questions

Determine what XAI evaluations measure and establish

Questions address technical, cognitive, behavioral, decision, and accountability outcomes

Questions limited to ranking explanation algorithms

Recurring review findings and limitations

Cross-cutting

Scope may become excessively broad

Structures the synthesis

Evidence-source types

Prioritize review-level knowledge

Systematic, survey, comprehensive, multidisciplinary, and meta-review sources

Non-peer-reviewed or method-only material without evaluation relevance

Review aims, methods, findings, and gaps

Review-level evidence

Review types use different methods

Supports umbrella-level comparison

Inclusion criteria

Retain sources supporting planned claims

Relevant peer-reviewed journal source with DOI and verified journal standing

Source lacks evaluation relevance or usable evidence

Technical or human-centered evaluation contribution

All domains

Selection may favor prominent terminology

Preserves claim-level relevance

Exclusion criteria

Prevent unsupported evidence inflation

Not applicable

Conference-only, preprint-only, legal, commercial, policy, or documentation sources

Publication status and substantive fit

Evidence validity

Relevant interdisciplinary evidence may be omitted

Protects source consistency

Screening logic

Assess relevance and eligibility without fabricated counts

Title, abstract, full-text, journal, DOI, and publication-type checks

Unverifiable or weakly fitting sources

Eligibility characteristics

Cross-cutting

Screening judgments may be subjective

Produces an auditable logic

Review-level verification

Separate reviews from supporting studies

Review synthesis is clearly identified

Primary evidence represented as umbrella-level evidence

Review status and synthesis scope

Evidence interpretation

Reviews may reproduce weaknesses in primary studies

Maintains article-type integrity

Evidence extraction

Capture comparable constructs and limitations

Reported technical, human, decision, trust, reliance, or accountability evidence

Unreported information inferred by the reviewer

Aim, context, construct, method, limitation

Evaluation validity

Reporting detail varies

Enables structured comparison

Dimension mapping

Link evidence to defined evaluation domains

Source supports at least one mapped construct

Decorative or random citation placement

Fidelity, stability, comprehension, usefulness, trust, reliance

Technical and human-centered

Constructs may overlap

Organizes cross-review synthesis

Citation planning

Preserve first-appearance order and claim fit

Every source has a planned sentence and section

Unplanned grouped or weakly fitted citation

Claim-to-source relationship

Evidence traceability

Overcitation may obscure interpretation

Protects Vancouver sequencing

Review boundaries

Prevent unsupported conclusions

Cautious synthesis and proposed future directions

Universal metrics, causal proof, certification, or readiness claims

Non-sufficiency boundaries

Validity and deployment boundaries

Readers may interpret synthesis prescriptively

Defines defensible conclusions

Figure 1 illustrates the umbrella review evidence-mapping workflow used to move from review questions and review-level evidence screening to evaluation-dimension mapping, synthesis, and future evaluation agenda development.

Figure 1. Umbrella Review Evidence-Mapping Workflow for Explainable AI Evaluation

Figure 1. Umbrella Review Evidence-Mapping Workflow for Explainable AI Evaluation

Alt-text description:

An umbrella review workflow diagram showing review questions, review-level source screening, eligibility checks, evidence verification, evaluation-dimension mapping, evidence extraction, umbrella synthesis, and future evaluation agenda development

Fidelity, Faithfulness, and Stability Evidence

Technical evaluation asks whether an explanation corresponds to the behavior of the model it purports to explain. Reviews distinguish attribution, surrogate, perturbation, representation, and example-based assessments, while comparative benchmarks show that explanation methods can receive different rankings under different metrics or tasks [13, 14]. Fidelity scores therefore require interpretation relative to the explanation type, model scope, sampled region, perturbation design, and property being measured.

Fidelity commonly denotes agreement between an explanation or surrogate and model outputs, whereas faithfulness concerns whether the explanation reflects factors actually used by the model. The distinction becomes especially important for post-hoc explanations in high-stakes settings, where a plausible account may rationalize rather than reveal model behavior. Methodological critiques consequently warn against treating post-hoc explanation as equivalent to direct interpretability or transparent reasoning [15].

Model fidelity, explanation fidelity, causal faithfulness, completeness, and sensitivity address related but non-identical questions. A local surrogate can closely reproduce predictions within a restricted neighborhood without characterizing the wider model. Likewise, a complete mathematical decomposition may remain cognitively unusable. Technical surveys of neural-network interpretability show that validity criteria change according to whether the target is a prediction, feature attribution, internal representation, learned concept, or broader model mechanism [16].

Stability, robustness, and consistency concern explanation behavior under repeated computation, input perturbation, model retraining, or adversarial manipulation. Stability is desirable when changes are irrelevant, but sensitivity is necessary when changes are consequential to the model. Evaluation must therefore define which variations should preserve an explanation and which should alter it. In safety-critical contexts, technically polished explanations may otherwise create false reassurance without establishing causal validity, clinical usefulness, or reliable model behavior [17].

No technical property is sufficient by itself. Stable explanations may be consistently wrong; faithful explanations may be too complex for intended users; plausible explanations may be unfaithful; and simple explanations may be incomplete. Feature-importance agreement also provides weak evidence when methods share assumptions or when no independent ground truth exists. Technical evaluation should therefore use property-specific evidence while avoiding transitions from a narrow metric result to claims about human understanding, decision usefulness, trustworthiness, accountability, or deployment readiness.

Table 2 maps review-level evidence on fidelity, faithfulness, stability, robustness, consistency, completeness, plausibility, and technical evaluation limits in explainable AI.

Table 2. Review-Level Evidence on Fidelity, Faithfulness, Stability, and Technical Explanation Evaluation: Model Fidelity, Explanation Fidelity, Causal Faithfulness, Robustness, Consistency, Sensitivity, Completeness, Plausibility, Perturbation Sensitivity, Metric Validity, and Technical-Sufficiency Boundaries

Evaluation construct

Core technical evaluation question

Explanation property assessed

Potential evaluation approach

Review-level evidence pattern

Failure or overclaiming risk

Evidence gap

Umbrella review role

Fidelity

Does the explanation reproduce relevant model behavior?

Predictive or functional agreement

Surrogate agreement, deletion, insertion, or perturbation tests

Commonly evaluated but operationalized differently

Local agreement may be generalized beyond its tested scope

Weak cross-method comparability

Defines technical correspondence

Faithfulness

Does the explanation reflect factors actually used by the model?

Model-grounded explanatory accuracy

Ablation, intervention, randomization, or known-ground-truth tests

Often conflated with fidelity or plausibility

Persuasive rationalization may appear faithful

Limited independent ground truth

Establishes model-truth boundary

Causal faithfulness

Does the stated explanatory cause affect the outcome through the claimed mechanism?

Causal validity

Structural causal modelling and interventions

Rarely demonstrated directly

Correlation or perturbation may be mislabelled causal

Restrictive or absent causal assumptions

Prevents causal overclaiming

Model fidelity

Does a surrogate approximate the source model in the relevant region?

Surrogate-to-model correspondence

Local or global prediction agreement and coverage

Highly dependent on sampled scope

Narrow fidelity may be presented as global fidelity

Inconsistent coverage reporting

Clarifies surrogate claims

Explanation fidelity

Does an explanation accurately characterize a particular prediction?

Instance-level correspondence

Feature removal, masking, counterfactual, or attribution tests

Metrics are explanation-family dependent

A metric may favor the assumptions of its own method

Limited cross-family validation

Supports metric-specific caution

Stability and consistency

Are explanations reproducible across similar inputs, runs, or equivalent models?

Reproducibility and agreement

Rank correlation, repeated fitting, seed variation, or overlap

Definitions and neighbourhoods vary

Repeatability may be mistaken for correctness

No standard semantic neighbourhood

Separates reproducibility from validity

Robustness

Does the explanation resist irrelevant noise or manipulation?

Resistance to perturbation and attack

Noise, adversarial, retraining, and implementation stress tests

Post-hoc methods can be fragile

Robust appearance may conceal systematic error

Limited standardized stress testing

Connects evaluation to failure analysis

Sensitivity

Does the explanation change when model-relevant information changes?

Responsiveness to consequential variation

Controlled perturbation and ablation curves

Necessary complement to stability

Excessive stability may signal insensitivity

Few joint stability–sensitivity protocols

Frames context-dependent change

Completeness

How much relevant model behavior is represented?

Explanatory coverage

Reconstruction, attribution-sum, or coverage measures

Usually method-specific

Formal completeness may be cognitively unusable

Weak connection to user-relevant completeness

Separates formal from practical sufficiency

Plausibility

Does the explanation appear reasonable to a person?

Human-perceived coherence

Expert judgment or agreement with prior knowledge

Frequently treated as a quality proxy

Plausibility may conceal unfaithfulness

Few joint plausibility–faithfulness tests

Exposes a central evaluation tension

Perturbation sensitivity

How does explanation output react to controlled changes?

Local response behavior

Masking, insertion, deletion, or input-noise testing

Widely used but design-sensitive

Unrealistic perturbations can distort conclusions

Limited ecological validity

Supports context-specific stress testing

Metric validity

Does a measure capture the construct attributed to it?

Construct validity

Convergent, discriminant, predictive, and ground-truth validation

Validation remains uneven

Metric labels may imply unsupported properties

Few independently validated measures

Prioritizes measurement validity

No fidelity-sufficiency boundary

Does technical correspondence establish usefulness or understanding?

Boundary between technical and human validity

Combined technical and user/task evaluation

Review evidence does not support sufficiency

Faithful output may be unusable or harmful

Limited technical–human linkage studies

Core umbrella-review boundary

No stability-sufficiency boundary

Does repeatability establish correctness or value?

Boundary between stability and validity

Joint stability, sensitivity, fidelity, and outcome assessment

Stable explanations may remain wrong or irrelevant

Reproducibility may be treated as truth

Limited multidimensional assessment

Prevents stability overclaiming

No technical-metric sufficiency boundary

Can one score establish explanation quality?

Multidimensional adequacy

Purpose-specific metric portfolios

Reviews reveal persistent metric trade-offs

Universal scoring suppresses context and stakeholder differences

No validated universal composite metric

Central technical synthesis

Comprehensibility and Cognitive Accessibility Evidence

Comprehensibility concerns whether an intended user can interpret an explanation accurately enough for its stated purpose. Medical-XAI reviews illustrate that explanation format, terminology, granularity, and visual representation must correspond to domain knowledge and clinical tasks rather than satisfy a generic simplicity criterion [18]. A representation that assists a model developer may be unsuitable for a clinician, patient, auditor, or person affected by an automated decision.

Understandability is often evaluated through perceived clarity, satisfaction, preference, or ease-of-use measures. These outcomes describe user experience but do not necessarily establish objective comprehension or accurate mental models. Healthcare evidence shows that terminology, design choices, and evaluation strategies remain inconsistent, limiting comparison between explanations and preventing broad inferences about trustworthy outcomes [19]. Evaluations should distinguish what users believe they understand from what they can correctly infer about system behavior, limitations, and errors.

Cognitive accessibility extends beyond nominal understandability. It includes the mental effort, time, literacy, expertise, accessibility requirements, and workflow conditions under which an explanation is processed. Multidisciplinary evidence indicates that explanation requirements vary across technical developers, healthcare professionals, organizational decision makers, and affected individuals [20]. Explanation evaluation should therefore consider whether users can access, interpret, and use the information under realistic constraints rather than only under idealized study conditions.

Stakeholder goals also shape the appropriate balance between simplicity and completeness. Lay users may require concise contrastive accounts, while technical experts may need detailed evidence for debugging and auditing. Domain experts may require explanations that expose uncertainty, alternative hypotheses, and clinically consequential features. Stakeholder-oriented synthesis consequently shows that explanation quality cannot be judged independently of the explanatory need being served [21]. Preferred explanations may still be inaccurate, insufficient, or ineffective for the target task.

Cognitive load, explanation overload, and explanation mismatch remain comparatively underexamined. Human-centered design work suggests that explanations should fit professional workflow, information needs, interaction patterns, and available decision time [22]. Progressive disclosure, interactive questioning, and adaptable detail may improve accessibility, but these strategies require validation. Comprehensibility alone does not establish fidelity, usefulness, appropriate reliance, or trustworthy system operation, and exposure to an explanation does not guarantee an accurate or durable understanding.

Decision Usefulness, Trust, and Reliance Evidence

Human trust is a multidimensional attitude influenced by system performance, task characteristics, institutional context, user experience, and presentation. Reviews also reveal substantial variation in the definitions and measurements applied to trust in AI-enabled systems [23, 24]. Trust must therefore be distinguished from trustworthiness: the former concerns a person’s attitude, while the latter concerns whether the system merits confidence based on evidence such as competence, robustness, accountability, and responsible governance.

Explanation effects on trust are heterogeneous. Clinical reviews report that explanations may increase, decrease, or leave trust unchanged depending on explanation type, user expertise, system performance, and study design [25]. A directional change in trust does not establish improvement because reduced trust may be appropriate when a system is unreliable, while increased trust may constitute overtrust when an explanation is persuasive but incomplete or misleading.

Decision usefulness requires evaluation beyond user attitudes. Review-level synthesis suggests tracing a sequence from explanation properties to user perceptions, cognitive responses, behavioral choices, and downstream consequences [26]. Relevant outcomes include error detection, task performance, decision quality, appropriate acceptance of correct advice, rejection of incorrect advice, and effective use of uncertainty. Satisfaction or perceived usefulness should not substitute for evidence that explanations improve the decision process.

Trust calibration concerns whether confidence varies appropriately with system capability and case-level correctness. Evidence from clinical decision-support research indicates that explanation class, presentation, workflow fit, and professional context can affect calibration differently [27]. Calibration should therefore be assessed through users’ responses to both accurate and inaccurate AI recommendations rather than through average trust ratings alone.

Reliance is behavioral and can diverge from stated trust. Explanations may alter confidence without improving performance, or change acceptance behavior without helping users distinguish correct from incorrect recommendations [28]. Appropriate reliance requires correct acceptance and correct rejection; overreliance includes following erroneous advice, whereas underreliance includes rejecting valid assistance. Evaluation must also consider automation bias, uncertainty communication, verification behavior, and human–AI complementarity. No increase in trust or reliance guarantees better decisions.

Table 3 synthesises review-level evidence on comprehensibility, cognitive accessibility, decision usefulness, human trust, trust calibration, reliance, overreliance, underreliance, and automation bias.

Table 3. Review-Level Evidence on Human-Centered Explainability Evaluation: Comprehensibility, Understandability, Cognitive Accessibility, Cognitive Load, Mental Models, Decision Usefulness, Decision Quality, Human Trust, Trust Calibration, Appropriate Reliance, Overreliance, Underreliance, Automation Bias, and Reliance Boundaries

Human-centered evaluation construct

Core human or decision question

User, decision, or task context

Evaluation function

Review-level evidence pattern

Failure or misinterpretation risk

Oversight or validation need

Umbrella review role

Comprehensibility

Can the intended user interpret the explanation?

Expertise- and task-dependent

Perceived and objective comprehension tests

Commonly assessed, but definitions vary

Clarity may be mistaken for understanding

Separate self-report from demonstrated comprehension

Defines user-level intelligibility

Cognitive accessibility

Can the explanation be processed under real constraints?

Time, literacy, disability, stress, and workflow

Accessibility and workload assessment

Less studied than general usability

Technically clear information may remain inaccessible

Inclusive and context-sensitive testing

Broadens human-centered validity

Cognitive load

How much mental effort does processing require?

Complex or time-critical tasks

Workload, response-time, or secondary-task measures

Increasingly recognized but inconsistently measured

Excess detail can impair verification

Link workload to decision outcomes

Frames explanation-overload risk

Mental-model support

Does the user learn system capabilities and limits?

Repeated human–AI interaction

Prediction, transfer, and error-anticipation tasks

Frequently claimed but rarely tested over time

Explanations may create inaccurate mental models

Longitudinal and transfer assessment

Connects comprehension to calibration

User expertise

How does knowledge shape explanation use?

Lay, technical, and domain users

Stratified outcome analysis

Expertise affects needs and interpretation

Aggregate findings can conceal subgroup failure

Report role-specific effects

Supports stakeholder adaptation

Decision usefulness

Does the explanation aid the decision process?

Goal-defined decision task

Error detection, information use, and task outcomes

Less often validated than perceived usefulness

A liked explanation may be practically ineffective

Compare meaningful task outcomes

Defines practical value

Decision quality

Are final decisions more appropriate?

Human-only, AI-only, and team settings

Accuracy, error cost, or domain-defined quality

Results are context-dependent

Compliance may be mislabelled as improvement

Evaluate correct and incorrect AI advice

Separates uptake from benefit

Human trust

What attitude does the user hold toward AI?

System-, user-, and context-dependent

Trust scales and qualitative accounts

Concepts and measures are heterogeneous

Higher trust may be unwarranted

Pair trust with system-performance evidence

Separates trust from trustworthiness

Trust calibration

Does confidence correspond to capability?

Variable system correctness

Case-level alignment and error discrimination

Increasingly emphasized but inconsistently operationalized

Mean trust does not show calibration

Include correct and incorrect cases

Reorients evaluation toward warranted trust

Appropriate reliance

Does behavior match when AI should be used?

Collaborative decision support

Correct acceptance and rejection

Often conflated with trust

Greater use may reduce decision quality

Measure behavior independently of attitude

Central behavioral criterion

Overreliance

Are incorrect recommendations accepted?

Plausible AI errors and time pressure

Agreement with wrong advice and missed-error rates

Explanations do not consistently prevent it

Persuasive rationales can strengthen deference

Include wrong-advice trials

Identifies explanation-induced harm

Underreliance

Are correct recommendations rejected?

Low trust or confusing explanations

Rejection of correct advice

Less studied than overreliance

Useful support may be unnecessarily ignored

Evaluate disuse and missed benefit

Completes reliance analysis

Automation bias

Does AI distort information search or judgment?

Authority cues and pressured decisions

Omission, commission, and verification measures

Effects vary with explanation design

Explanation may become another authority cue

Bias-sensitive experimental conditions

Connects XAI with cognitive bias

No trust-sufficiency boundary

Does increased trust prove explanation quality?

All human–AI contexts

Joint trust and performance assessment

Evidence does not support the inference

Trust maximization can encourage overreliance

Assess whether trust is warranted

Core trust boundary

No reliance-benefit boundary

Does greater reliance improve outcomes?

Depends on AI correctness and complementarity

Conditional reliance analysis

Reliance may help or harm

Adoption may be mistaken for success

Link behavior to decision quality

Prevents reliance overclaiming

Umbrella Synthesis of Explainability Evaluation

Across the reviewed evidence, explanation evaluation forms a chain rather than a single measurement problem. Technical validity may be necessary for some purposes, but downstream outcomes depend on whether users engage with and verify explanations. Experimental evidence indicates that explanations may reduce overreliance when their information is usable and when users have sufficient motivation and ability to evaluate it [29]. Explanation presence alone is therefore a weak intervention specification.

Automation bias further complicates the relationship between explanation and decision usefulness. Review evidence suggests that explanations can support critical examination, but can also increase deference when they appear authoritative, fluent, or confirmatory [30]. Evaluation should distinguish assistance from cognitive substitution and should examine whether users search for independent evidence, recognize AI errors, and adjust reliance appropriately.

Trustworthy evaluation also extends beyond the explanation interface. Robustness, fairness, privacy, human oversight, security, and accountability remain relevant even when an explanation is technically faithful and understandable [31]. Explanation evaluation should consequently be embedded within broader system assurance rather than used as a substitute for evaluating the intelligent system, organizational process, or decision environment.

Accountability-oriented explanations require more than descriptive transparency. Recourse research distinguishes explanations of why an outcome occurred from recommendations that are feasible, actionable, and capable of producing a consequential change [32]. Contestability additionally requires that explanations support the identification of possible error, meaningful challenge, review by an appropriate authority, and correction or remedy where warranted.

Counterfactual proximity, sparsity, and plausibility may improve presentation but do not guarantee causal validity or feasible recourse [33]. Foundation-model explanations add further concerns because fluent generated rationales may be evaluated as explanations despite uncertain correspondence with internal mechanisms [34]. More broadly, explainability contributes to trustworthy AI only when combined with socio-technical governance, auditability, responsibility, and institutional safeguards [35]. No isolated metric or evaluation layer is sufficient.

Table 4 presents the umbrella synthesis of explainability evaluation evidence, including cross-dimensional tensions, evaluation implications, remaining gaps, and future evaluation needs.

Table 4. Umbrella Synthesis of Explainability Evaluation Evidence: Fidelity Versus Plausibility, Faithfulness Versus Comprehensibility, Stability Versus Context Sensitivity, Understanding Versus Cognitive Load, Trust Versus Trustworthiness, Trust Calibration Versus Persuasion, Decision Usefulness Versus Automation Bias, Technical Metrics Versus Human Outcomes, and Future Evaluation Priorities

Synthesis theme

Evaluation dimensions involved

Review-level evidence pattern

Tension or trade-off

Evaluation implication

Remaining evidence gap

Future evaluation need

Umbrella review contribution

Fidelity versus plausibility

Faithfulness and human judgment

Usually evaluated separately

Convincing accounts may not reflect model behavior

Measure both independently

Few joint tests

Dual technical–human protocols

Prevents plausible rationalization claims

Faithfulness versus comprehensibility

Technical validity and accessibility

Faithful detail may be complex

Accuracy versus processing ease

Document simplification and information loss

Weak translation evidence

Layered explanations with fidelity checks

Clarifies non-equivalence

Stability versus context sensitivity

Stability, robustness, and sensitivity

Perturbation definitions vary

Invariance versus necessary response

Define semantically relevant changes

No standard contextual protocol

Joint stability–sensitivity assessment

Makes stability conditional

Simplicity versus completeness

Sparsity, coverage, and cognitive load

Simple outputs are frequently preferred

Ease versus omitted information

Evaluate task-relevant sufficiency

Unknown optimal complexity

Adaptive detail and progressive disclosure

Links parsimony to task need

Understanding versus cognitive load

Comprehension and mental models

Self-report dominates

Detail may aid coverage but impair processing

Use objective and workload measures

Limited retention evidence

Longitudinal mental-model testing

Separates clarity from learning

Trust versus trustworthiness

Human attitude and system assurance

Constructs are frequently blurred

Confidence may be unwarranted

Evaluate trust alongside system evidence

Few integrated studies

Joint trustworthiness–trust evaluation

Establishes construct boundaries

Trust calibration versus persuasion

Calibration and influence

Explanations can increase acceptance

Warranted confidence versus persuasion

Condition effects on AI correctness

Limited persuasion audits

Wrong-advice and misleading-explanation tests

Identifies overtrust pathways

Decision usefulness versus automation bias

Task support and overreliance

Benefits depend on task and error context

Assistance versus cognitive substitution

Measure verification and error correction

Artificial tasks dominate

Realistic decision studies

Makes usefulness error-sensitive

Technical metrics versus human outcomes

Fidelity, comprehension, trust, and decisions

Evaluation layers remain weakly connected

Model validity versus practical consequence

Use integrated, staged assessment

Sparse causal linkage

Multilevel evaluation designs

Principal umbrella synthesis

Short-term versus longitudinal evidence

Trust, learning, and reliance

Most user studies are brief

Immediate response versus adaptation

Interpret immediate effects cautiously

Limited repeated-use evidence

Longitudinal and field evaluation

Adds temporal validity

No single-metric sufficiency boundary

All dimensions

Evidence supports heterogeneous measures

Comparability versus oversimplification

Use purpose-specific portfolios

No universal validated score

Construct-to-measure mapping

Rejects universal metric claims

Figure 2 presents the umbrella synthesis model of explainability evaluation, linking technical explanation properties, human comprehension, decision usefulness, trust calibration, reliance behavior, evaluation validity, and future evaluation priorities.

Figure 2. Umbrella Synthesis Model of Explainability Evaluation Outcomes

Figure 2. Umbrella Synthesis Model of Explainability Evaluation Outcomes

Alt-text description:

A conceptual umbrella synthesis model showing explainability evaluation across technical properties, human comprehension, cognitive accessibility, decision usefulness, trust calibration, reliance, evaluation validity, accountability, and future evaluation gaps.

Evidence Gaps and Future Evaluation Agenda

The first priority is construct and metric validity. Fragmented terminology permits fidelity, faithfulness, plausibility, comprehensibility, satisfaction, trust, and reliance to be treated as interchangeable. Future research should define each construct before selecting a measure, state the inference that the measure can support, and test convergent, discriminant, and predictive validity. Proposed metric portfolios should remain purpose-specific rather than becoming universal explanation scores.

A second priority is stronger linkage between technical properties and human outcomes. Evaluations should examine whether variations in fidelity, stability, completeness, uncertainty, or explanation complexity alter objective understanding, cognitive load, error detection, decision quality, and reliance. Stability protocols should distinguish irrelevant perturbations from contextually meaningful change. Comprehensibility studies should include lay users, technical experts, domain professionals, and affected stakeholders rather than assuming that one representation serves all audiences.

A third priority concerns realistic and longitudinal evaluation. Short-term experiments should be complemented by repeated-use studies that assess learning, mental-model development, changing trust, reliance adaptation, system updates, distribution shift, and accumulated error. Decision studies should include correct and incorrect AI advice, meaningful uncertainty, consequences for disagreement, and opportunities for verification. Accessibility, workflow fit, explanation overload, underreliance, overreliance, and automation bias should be treated as primary evaluation concerns rather than incidental observations.

The final priority is institutional validity. Explanations used in consequential systems should be evaluated for whether they support auditability, contestability, feasible recourse, correction, and accountable decision processes. Foundation-model evaluation should distinguish generated rationales from evidence about model mechanisms and should test fluent explanations for misleading confidence. These directions are proposed evaluation priorities grounded in recurring review-level gaps; they do not constitute a validated universal framework or establish legal compliance, operational safety, certification, or deployment readiness.

Conclusion

This umbrella review synthesizes what explainable-AI evaluations measure and what they do not establish across fidelity, faithfulness, stability, robustness, comprehensibility, cognitive accessibility, decision usefulness, human trust, trust calibration, and reliance. The evidence shows that explanation evaluation is multidimensional: technical correspondence does not guarantee understanding, perceived clarity does not prove faithfulness, trust does not equal trustworthiness, and greater reliance does not necessarily improve decisions. Stronger evaluation should connect technical properties to objective comprehension, realistic decision contexts, uncertainty, verification behavior, calibrated reliance, and institutional opportunities for accountability and contestability. The contribution is therefore not a universal explanation metric, but a review-level synthesis that clarifies evidentiary boundaries and supports more valid, stakeholder-specific, longitudinal, and socio-technical evaluation.

Acknowledgements

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Author information

Sarah Bennett, Kwame Asante & Elena Rossi contributed to this work.

Authors and affiliations

Department of Explainable AI and Human Factors, University of Manchester, Manchester, United Kingdom
Sarah Bennett

Department of AI and Decision Support, University of Ghana, Accra, Ghana
Kwame Asante

Department of Computer Science and Engineering, University of Bologna, Bologna, Italy
Elena Rossi

Corresponding author

Correspondence to Kwame Asante

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Vancouver
Bennett S, Asante K, Rossi E. Measuring What Explanations Actually Achieve—An Umbrella Review of Fidelity, Stability, Comprehensibility, Decision Usefulness, Human Trust, and Reliance. J Trustworthy Explain Intell Syst. 2026;5:81.
APA
Bennett, S., Asante, K., & Rossi, E. (2026). Measuring What Explanations Actually Achieve—An Umbrella Review of Fidelity, Stability, Comprehensibility, Decision Usefulness, Human Trust, and Reliance. Journal of Trustworthy and Explainable Intelligent Systems, 5, 81.
Received
26 September 2025
Revised
03 November 2025
Accepted
28 November 2025
Published
15 March 2026
Version of record
15 March 2026

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