Exploratory Review: Trust Dynamics in AI-Enabled Retail Financial Investment Service
Bibliographic record
Abstract
Trust anchors financial markets, which directly contribute to the foundation of global economies, and simultaneously fuel FinTech innovations. AI-driven tools such as Robo-advisors, Equity crowdfunding, and Peer-to-peer lending reshape investment paradigms, but understanding trust within this digital realm remains elusive. This scoping review examines AI trust dynamics within retail financial investments. We locate and dissect thematic constructs, and assess the complex interplay of pivotal variables. While initial insights emphasize trust’s critical role in FinTech’s evolution, they also illuminate the constraints of a universal framework to analyze trust in this context. Despite the popularity of models like TAM and UTAUT, their inherent weaknesses leave important facets unexplored. While qualitative and quantitative methods predominantly inform the current discourse, many studies base their conclusions on niche or self-crafted hypotheses. Through this systematic review, we chart a path for future discussions on AI-driven financial trust, highlighting gaps, and offering new avenues for exploration.
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.006 | 0.048 |
| Meta-epidemiology (narrow) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.002 |
| Bibliometrics | 0.008 | 0.009 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.004 | 0.003 |
| Open science | 0.001 | 0.002 |
| Research integrity | 0.002 | 0.001 |
| Insufficient payload (model declined to judge) | 0.006 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".