Holistic Explainable AI (H-XAI): Extending Transparency Beyond Developers in AI-Driven Decision Making

Current eXplainable AI (XAI) methods largely serve developers, often focusing on justifying model outputs rather than supporting diverse stakeholder needs. A recent shift toward Evaluative AI reframes explanation as a tool for hypothesis testing, but still focuses primarily on operational organizations. We introduce Holistic-XAI (H-XAI), a unified framework that integrates causal rating methods with traditional XAI methods to support explanation as an interactive, multi-method process. H-XAI allows stakeholders to ask a series of questions, test hypotheses, and compare model behavior against automatically constructed random and biased baselines. It combines instance-level and global explanations, adapting to each stakeholder's goals, whether understanding individual decisions, assessing group-level bias, or evaluating robustness under perturbations. We demonstrate the generality of our approach through two case studies spanning six scenarios: binary credit risk classification and financial time-series forecasting. H-XAI fills critical gaps left by existing XAI methods by combining causal ratings and post-hoc explanations to answer stakeholder-specific questions at both the individual decision level and the overall model level.