Computer Security - ESORICS 2020 International Workshops, DETIPS, DeSECSys, MPS, and SPOSE, Guildford, UK, September 17-18, 2020, Revised Selected Papers
Computer Security - ESORICS 2020 International Workshops, DETIPS, DeSECSys, MPS, and SPOSE, Guildford, UK, September 17-18, 2020, Revised Selected Papers
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计算机安全 - ESORICS 2020 国际研讨会、DETIPS、DeSECSys、MPS 和 SPOSE，英国吉尔福德，2020 年 9 月 17-18 日，修订后的精选论文
DOI：
10.1007/978-3-030-66504-3_2
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发表时间：
2020
期刊：
影响因子：
--
通讯作者：
Aitken M
中科院分区：
文献类型：
--
作者：
Aitken M
尽管人们对与人工智能（AI）相关的道德实践非常感兴趣，但迄今为止，对这在银行业意味着什么的考虑有限。本研究旨在通过对公众对人工智能在银行业的当前和潜在未来用途的态度和看法进行定性研究，解决文献中的这一差距。我们与不同的公众人士进行了一系列焦点小组讨论。焦点小组的参与者对人工智能在加快财务流程和提高效率方面的作用基本上持积极态度。然而，他们也表达了对社会潜在负面影响的一些担忧，并始终强调人的判断或监督的重要性。研究结果表明，人们使用新服务是由于他们认为方便或直接的好处，而不喜欢或不信任这些服务，或者担心它们对社会的影响，这是一种潜在的认知失调。研究结果表明，参与者的担忧通常与私人或个人利益无关，而更多的是与更广泛的道德和社会问题有关。焦点小组展示了探索公众反应细微差别的定性、审慎方法的价值，并强调了考虑公众可接受性条件（而不仅仅是客户接受）的重要性，以便发展道德实践，并为银行业使用人工智能建立社会许可。
While there is substantial interest in ethical practice relating to Artificial Intelligence (AI), to date there has been limited consideration of what this means in the banking sector. This study aimed to address this gap in the literature through a qualitative study of public attitudes and perceptions of current and potential future uses of AI in banking. A series of focus groups were conducted with diverse members of the public. Focus group participants were largely positive about the role of AI in speeding up financial processes and increasing efficiency. Yet, they also expressed a number of concerns around potential negative impacts on society and consistently emphasized the importance of human judgement or oversight. The findings suggest a potential cognitive dissonance where people use new services due to perceived convenience or immediate benefits, while disliking or distrusting those services or holding concerns about their impacts on society. The findings illustrate that participants’ concerns did not typically relate to private or individual interests but more often to wider ethical and social concerns. The focus groups demonstrated the value of qualitative, deliberative methods to explore the nuances of public responses and highlighted the importance of taking account of conditions for public acceptability - rather than just customer uptake - in order to develop ethical practice and establish a social licence for uses of AI in banking.