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This paper investigates the impact of the adoption of generative AI on financial stability. We conduct laboratory-style experiments using large language models to replicate classic studies on herd behavior in trading decisions. Our results…

General Finance · Quantitative Finance 2025-10-03 Anne Lundgaard Hansen , Seung Jung Lee

The rise of artificial intelligence (A.I.) based systems is already offering substantial benefits to the society as a whole. However, these systems may also enclose potential conflicts and unintended consequences. Notably, people will tend…

Computers and Society · Computer Science 2020-12-23 Pedro Fernandes , Francisco C. Santos , Manuel Lopes

When developers of artificial intelligence (AI) products need to decide between profit and safety for the users, they likely choose profit. Untrustworthy AI technology must come packaged with tangible negative consequences. Here, we…

Artificial intelligence (AI) can undermine financial stability because of malicious use, misinformation, misalignment, and the AI analytics market structure. The low frequency and uniqueness of financial crises, coupled with mutable and…

General Economics · Economics 2024-06-07 Jon Danielsson , Andreas Uthemann

Algorithms are becoming more widely used in business, and businesses are becoming increasingly concerned that their algorithms will cause significant reputational or financial damage. We should emphasize that any of these damages stem from…

Computers and Society · Computer Science 2021-07-30 Ramya Akula , Ivan Garibay

With the digitalization of the financial market, dealers are increasingly handling market-making activities by algorithms. Recent antitrust literature raises concerns on collusion caused by artificial intelligence. This paper studies the…

Trading and Market Microstructure · Quantitative Finance 2022-06-14 Bingyan Han

While high-stakes ML applications demand strict regulations, strategic ML providers often evade them to lower development costs. To address this challenge, we cast AI regulation as a mechanism design problem under uncertainty and introduce…

Machine Learning · Computer Science 2026-03-06 Anurag Singh , Julian Rodemann , Rajeev Verma , Siu Lun Chau , Krikamol Muandet

Generative artificial intelligence (Gen-AI) is reshaping content creation on digital platforms by reducing production costs and enabling scalable output of varying quality. In response, platforms have begun adopting disclosure policies that…

Computers and Society · Computer Science 2026-01-27 Juan Wu , Zhe , Zhang , Amit Mehra

This paper examines how data inputs shape competition among artificial intelligences (AIs) in pricing games. The dataset assigns labels to consumers and divides them into different markets, thereby inducing multimarket contact among AIs. We…

General Economics · Economics 2025-12-30 Zhang Xu , Mingsheng Zhang , Wei Zhao

This article examines the evolving landscape of artificial intelligence (AI) regulation in financial services, detailing the legal frameworks and compliance challenges posed by rapid technological adoption. By reviewing current legislation,…

Computers and Society · Computer Science 2025-03-25 Shahmar Mirishli

When human agents come together to make decisions, it is often the case that one human agent has more information than the other. This phenomenon is called information asymmetry and this distorts the market. Often if one human agent intends…

Artificial Intelligence · Computer Science 2015-10-15 Tshilidzi Marwala , Evan Hurwitz

In recent years, a wide range of investment models have been created using artificial intelligence. Automatic trading by artificial intelligence can expand the range of trading methods, such as by conferring the ability to operate 24 hours…

Trading and Market Microstructure · Quantitative Finance 2021-12-17 Koya Ishikawa , Kazuhide Nakata

The emergence of agentic artificial intelligence (AI) represents a fundamental transformation in financial markets, characterized by autonomous systems capable of reasoning, planning, and adaptive decision-making with minimal human…

AI agents are increasingly transacting on behalf of users -- delegating tasks, spending budgets, and negotiating with unfamiliar counterparties. Unlike human marketplaces, which operate under institutional designs refined over centuries,…

Computational Engineering, Finance, and Science · Computer Science 2026-05-29 Xuan Liu , Haoyang Shang , Haojian Jin

Artificial Intelligence (AI) governance regulates the exercise of authority and control over the management of AI. It aims at leveraging AI through effective use of data and minimization of AI-related cost and risk. While topics such as AI…

Artificial Intelligence · Computer Science 2025-07-17 Johannes Schneider , Rene Abraham , Christian Meske , Jan vom Brocke

Agent-based models provide a constructive approach to studying emergent dynamics in life-like systems composed of interacting, adaptive agents. Financial markets serve as a canonical example of such systems, where collective price dynamics…

Computational Finance · Quantitative Finance 2026-04-28 Ryuji Hashimoto , Ryosuke Takata , Masahiro Suzuki , Yuki Tanaka , Kiyoshi Izumi

There is a growing focus on how to design safe artificial intelligent (AI) agents. As systems become more complex, poorly specified goals or control mechanisms may cause AI agents to engage in unwanted and harmful outcomes. Thus it is…

Artificial Intelligence · Computer Science 2017-01-09 Mark Muraven

This study provides an in-depth analysis of the model architecture and key technologies of generative artificial intelligence, combined with specific application cases, and uses conditional generative adversarial networks ( cGAN ) and time…

Computational Engineering, Finance, and Science · Computer Science 2024-04-05 Chang Che , Zengyi Huang , Chen Li , Haotian Zheng , Xinyu Tian

For an artificial intelligence (AI) to be aligned with human values (or human preferences), it must first learn those values. AI systems that are trained on human behavior, risk miscategorising human irrationalities as human values -- and…

Artificial Intelligence · Computer Science 2022-03-02 Rebecca Gorman , Stuart Armstrong

Generative AI enables automated, effective manipulation at scale. Despite the growing general ethical discussion around generative AI, the specific manipulation risks remain inadequately investigated. This article outlines essential…

Computers and Society · Computer Science 2025-03-10 Michael Klenk