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Record W4408687610 · doi:10.69554/vssv1183

Artificial intelligence ethics in financial services

2025· article· en· W4408687610 on OpenAlexaff
K. Carter, Andrew Cave

Bibliographic record

VenueJournal of digital banking. · 2025
Typearticle
Languageen
FieldEconomics, Econometrics and Finance
TopicInsurance and Financial Risk Management
Canadian institutionsWorld Federation of Science Journalists
Fundersnot available
KeywordsBusinessFinancial servicesFinance

Abstract

fetched live from OpenAlex

The use of artificial intelligence (AI) in finance poses a new realm of questions about how it should be regulated, how its effects and consequences are governed and whether it should be subject to a defined code of ethics. Although the full potential of AI in this sector is still in its infancy, Japanese regulators appear to be more advanced in their approach to some of the ethical issues than their counterparts in many parts of the world. This paper asks: how can other areas of the globe learn from the experience of AI in financial services in Asia Pacific and Southeast Asia? And what issues are likely to need attention and action in the near term? To navigate the ethical and operational challenges of AI in financial services, all stakeholders — banking professionals, regulators and technology providers — must prioritise robust data governance, transparency and ethical AI practices. This involves leveraging strategic frameworks like the Generative AI Decision Tree to guide decision making, fostering cross-industry collaboration to establish comprehensive standards and adopting principle-based approaches that balance innovation with accountability. By aligning efforts to promote trust, inclusivity and sustainability, the financial sector can harness the full potential of AI while safeguarding its integrity and resilience.

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 distilled prediction

Teacher imitation

Not calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.

metaresearch head score (Codex)0.001
metaresearch head score (Gemma)0.000
Version: codex-gemma-dda1882f352aValidation status: machine_predicted_unvalidated
Candidate categoriesnone
Consensus categoriesnone
DomainCandidate signal: none · Consensus signal: none
Study designCandidate signal: Theoretical or conceptual · Consensus signal: Theoretical or conceptual
GenreCandidate signal: Empirical · Consensus signal: Empirical
Teacher disagreement score0.192
Threshold uncertainty score0.505

Codex and Gemma teacher scores by category

CategoryCodexGemma
Metaresearch0.0010.000
Meta-epidemiology (narrow)0.0000.000
Meta-epidemiology (broad)0.0000.000
Bibliometrics0.0010.001
Science and technology studies0.0000.000
Scholarly communication0.0000.001
Open science0.0000.000
Research integrity0.0000.000
Insufficient payload (model declined to judge)0.0000.000

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.

Opus teacher head0.039
GPT teacher head0.265
Teacher spread0.227 · how far apart the two teachers sit on this one work
Validation statusscore_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it

Classification

machine, unvalidated

Machine predicted; a candidate call from one teacher head, not a consensus.

The models applied no category: nothing in the taxonomy fit this work.
Study designTheoretical or conceptual
Domainnot available
GenreEmpirical

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".

Quick stats

Citations0
Published2025
Admission routes1
Has abstractyes

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