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Artificial Intelligence brings significant benefits to banking, but also introduces novel risks, such as the requirement that decisions made by complex machine learning systems and deep neural networks be adequately explained to humans. This work offers a multifaceted view of the topic, harmonizing the legal frameworks of Data Protection and Artificial Intelligence, the background of systems engineers, academic contributions from the computing community, and banking risk management under Basel III and the DORA Regulation, suggesting the idea of the Five Beacons as a structural model of...