arXiv:2606.04838v3 Announce Type: replace Abstract: This paper presents an explainable AI-driven framework for predicting net churn among prepaid mobile subscribers. The framework formulates churn prediction as a machine learning task mapped onto an industry reference architecture. Moreover, it introduces a quantile-based feature densification transform that reconciles learning features of unequal length and granularity into a homogeneous design matrix, evaluates a label-aware truncation diagnostic that sets aside low-confidence subscribers, and generates automated English-language insights describing the impact of each feature on churn propensity. We implement and validate the framework on real production data from a globally leading telco with tens of millions of prepaid subscribers spanning approximately $800$ learning features and over $250$ TB of commercial, experience, and network data. As a diagnostic, setting aside roughly $3$% of the subscribers, selected using the true labels, lifts $F_1$ on the retained subscribers to the target. This is not an achievable operating performance on all subscribers. In our data and feature set, aggregated radio access network counters carried less predictive signal than commercial and experience indicators, despite their greater representation. The quality of experience index, which is derived from network measurements, ranked second in importance. Our results also suggest that churn risk rises as subscriber value declines, with high-value segments disproportionately exposed to gradual value leakage rather than outright attrition.