The irony in paying cash instead of using your card is that you're likely training their model to be more likely to flag transactions as fraudulent. This sort

The irony in paying cash instead of using your card is that you're likely training their model to be more likely to flag transactions as fraudulent. This sort of stuff is why explainable AI is IMO important. Assuming the CSR could see _why_ the original domain was flagged by the model as fraud, they could respond in a meaningful way, other than just requiring the OP to go and find someone with more authority than the machine to override the decision. Unfortunately in these types of situations, getting a satisfying explanation of why something happened is incredibly rare - my understanding is that it's usually at best an educated guess.