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This paper proposes a comprehensive analysis of existing concepts coming from different disciplines tackling the notion of intelligence, namely psychology and engineering, and from disciplines aiming to regulate AI innovations, namely AI…
Today, with respect to the increasing growth of demand to get credit from the customers of banks and finance and credit institutions, using an effective and efficient method to decrease the risk of non-repayment of credit given is very…
Artificial intelligence (AI) is the core technology of technological revolution and industrial transformation. As one of the new intelligent needs in the AI 2.0 era, financial intelligence has elicited much attention from the academia and…
The outlook for the future of artificial intelligence (AI) in the financial sector, especially in financial forecasting, the challenges and implications. The dynamics of AI technology, including deep learning, reinforcement learning, and…
Significant investments to upgrade and construct large-scale scientific facilities demand commensurate investments in R&D to design algorithms and computing approaches to enable scientific and engineering breakthroughs in the big data era.…
Credit assessments activities are essential for financial institutions and allow the global economy to grow. Building robust, solid and accurate models that estimate the probability of a default of a company is mandatory for credit…
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…
With the growth of digital financial systems, robust security and privacy have become a concern for financial institutions. Even though traditional machine learning models have shown to be effective in fraud detections, they often…
The integration of artificial intelligence (AI) technologies into judicial decision-making, particularly in pretrial, sentencing, and parole contexts, has generated substantial concerns about transparency, reliability, and accountability.…
Decisions made by various Artificial Intelligence (AI) systems greatly influence our day-to-day lives. With the increasing use of AI systems, it becomes crucial to know that they are fair, identify the underlying biases in their…
Generative Artificial Intelligence (GenAI) is rapidly reshaping the global financial landscape, offering unprecedented opportunities to enhance customer engagement, automate complex workflows, and extract actionable insights from vast…
Artificial Intelligence (AI) has made impressive progress in recent years and represents a key technology that has a crucial impact on the economy and society. However, it is clear that AI and business models based on it can only reach…
Artificial intelligence (AI) has become a valued technology in many companies. At the same time, a substantial potential for utilizing AI \emph{across} company borders has remained largely untapped. An inhibiting factor concerns disclosure…
The burgeoning integration of Artificial Intelligence (AI) into Environmental, Social, and Governance (ESG) initiatives within the financial sector represents a paradigm shift towards more sus-tainable and equitable financial practices.…
Artificial intelligence (AI) enables machines to learn from human experience, adjust to new inputs, and perform human-like tasks. AI is progressing rapidly and is transforming the way businesses operate, from process automation to cognitive…
In the growing world of artificial intelligence, federated learning is a distributed learning framework enhanced to preserve the privacy of individuals' data. Federated learning lays the groundwork for collaborative research in areas where…
This paper explores the integration of Explainable Automated Machine Learning (AutoML) in the realm of financial engineering, specifically focusing on its application in credit decision-making. The rapid evolution of Artificial Intelligence…
Conventional methods for visual assessment of civil infrastructures have certain limitations, such as subjectivity of the collected data, long inspection time, and high cost of labor. Although some new technologies i.e. robotic techniques…
The increasing use of Artificial Intelligence (AI) in critical societal domains has amplified concerns about fairness, particularly regarding unequal treatment across sensitive attributes such as race, gender, and socioeconomic status.…
Generative AI technologies have demonstrated significant potential across diverse applications. This study provides a comparative analysis of credit score modeling techniques, contrasting traditional approaches with those leveraging…