XAI (eXplainable Artificial Intelligence) is an artificial intelligence technology that analyzes the causal relationship of artificial intelligence decision-making, finds appropriate evidence, and explains decision-making results at the user level. Customers of the XAI model are practitioners of financial institutions that operate the model and provide results to customers, and financial consumers who use the results of the AI algorithm model. The financial industry generates profits by managing individual and institutional funds, but also has responsibility for its management. Although artificial intelligence algorithms are being applied to tasks such as the discovery of financial crimes and cyber-crime that are becoming more intelligent and repetitive credit evaluations, unexpected algorithm vulnerabilities can cause losses due to incorrect judgments. XAI presents the basis for the results of artificial intelligence algorithms in the financial sector, and financial companies to which XAI is applied can reduce the possibility of wrong decision-making by artificial intelligence. This study aims to explore the XAI characteristics and influencing factors in the financial sector that affect the reliability and satisfaction of domestic financial consumers, and examine how these factors affect innovation performance in the financial sector. DARPA mentioned user satisfaction, explanation model level, task performance improvement, reliability evaluation, and error correction level as XAI's competency evaluation factors (competency evaluation index). This study refers to DARPA's XAI competency evaluation index, G20's human-centered artificial intelligence society principles, and the Financial Services Commission's financial sector artificial intelligence guidelines, etc. In addition, the innovation performance of financial institutions according to the introduction of XAI technology and service supply was set as a dependent variable. In order to verify the research model, an online survey was conducted targeting workers in companies introducing XAI in the financial sector. As a result of the study, it was found that the XAI characteristics of the financial sector (transparency, explainability, reliability, and result demonstrability) had a significant effect on innovation performance in the financial sector.