Federated Artificial Intelligence for Unified Credit Assessment

by   Minh Duc Hoang, et al.

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 unified credit assessment with the use of federated artificial intelligence. We conceptualised digital human representation which consists of social, contextual, financial and technological dimensions to assess the commercial creditworthiness and social reputation of both banked and unbanked individuals. A federated artificial intelligence platform is proposed with a comprehensive set of system design for efficient and effective credit scoring. The study considerably contributes to the cumulative development of financial intelligence and social computing. It also provides a number of implications for academic bodies, practitioners, and developers of financial technologies.



There are no comments yet.


page 1

page 2

page 3

page 4


Social Behaviour Understanding using Deep Neural Networks: Development of Social Intelligence Systems

With the rapid development in artificial intelligence, social computing ...

Fairness Assessment for Artificial Intelligence in Financial Industry

Artificial Intelligence (AI) is an important driving force for the devel...

Towards Artificial Intelligence Enabled Financial Crime Detection

Recently, financial institutes have been dealing with an increase in fin...

Artificial Intelligence & Machine Learning Role in Financial Services

Financial services are the economical backbone of any nation in the worl...

A Vertical Federated Learning Method for Interpretable Scorecard and Its Application in Credit Scoring

With the success of big data and artificial intelligence in many fields,...

Adaptive Multimodal and Multisensory Empathic Technologies for Enhanced Human Communication

As digital social platforms and mobile technologies are becoming more pr...

Some Experimental Issues in Financial Fraud Detection: An Investigation

Financial fraud detection is an important problem with a number of desig...
This week in AI

Get the week's most popular data science and artificial intelligence research sent straight to your inbox every Saturday.