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This paper presents an intelligent and transparent AI-driven system for Credit Risk Assessment using three state-of-the-art ensemble machine learning models combined with Explainable AI (XAI) techniques. The system leverages XGBoost,…
Financial institutions face increasing cyber risk while operating under strict regulatory oversight. To manage this risk, they rely heavily on Cyber Threat Intelligence (CTI) to inform detection, response, and strategic security decisions.…
Fraud is a prevalent offence that extends beyond financial loss, causing psychological and physical harm to victims. The advancements in online communication technologies alowed for online fraud to thrive in this vast network, with…
In the face of global economic uncertainty, financial auditing has become essential for regulatory compliance and risk mitigation. Traditional manual auditing methods are increasingly limited by large data volumes, complex business…
Rapid development of advanced modelling techniques gives an opportunity to develop tools that are more and more accurate. However as usually, everything comes with a price and in this case, the price to pay is to loose interpretability of a…
With the rapid growth of technology, especially the widespread application of artificial intelligence (AI) technology, the risk management level of commercial banks is constantly reaching new heights. In the current wave of digitalization,…
Insider threats pose a significant challenge to organizational security, often evading traditional rule-based detection systems due to their subtlety and contextual nature. This paper presents an AI-powered Insider Risk Management (IRM)…
Artificial intelligence (AI) is transforming financial planning by expanding access, lowering costs, and enabling dynamic, data-driven advice. Yet without clear safeguards, digital platforms risk reproducing longstanding market…
In recent years, several personalized assistants based on AI have been researched and developed to help users make privacy-related decisions. These AI-driven Personalized Privacy Assistants (AI-driven PPAs) can provide significant benefits…
Artificial Intelligence (AI) has created the single biggest technology revolution the world has ever seen. For the finance sector, it provides great opportunities to enhance customer experience, democratize financial services, ensure…
Significant digitalization of financial services in a short period of time has led to an urgent demand to have autonomous, transparent and real-time credit risk decision making systems. The traditional machine learning models are effective…
AI artificial intelligence brings about new quantitative techniques to assess the state of an economy. Here we describe a new measure for systemic risk: the Financial Risk Meter (FRM). This measure is based on the penalization parameter…
Supply chain risk assessment (SCRA) is pivotal for ensuring resilience in increasingly complex global supply networks. While existing reviews have explored traditional methodologies, they often neglect emerging artificial intelligence (AI)…
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…
In the past few years, Artificial Intelligence (AI) has garnered attention from various industries including financial services (FS). AI has made a positive impact in financial services by enhancing productivity and improving risk…
The study explores the potential of AI technologies in personalized learning, suggesting the prediction of academic success through leadership personality traits and machine learning modelling. The primary data were obtained from 129…
With the rapid adoption of Internet technologies, digital footprints have become ubiquitous and versatile to revolutionise the financial industry in digital transformation. This paper takes initiatives to investigate a new paradigm of the…
Structured finance, which involves restructuring diverse assets into securities like MBS, ABS, and CDOs, enhances capital market efficiency but presents significant due diligence challenges. This study explores the integration of artificial…
This research paper focuses on the integration of Artificial Intelligence (AI) into the currency trading landscape, positing the development of personalized AI models, essentially functioning as intelligent personal assistants tailored to…
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…