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Tackling mis-selling and enhancing consumer trust in fintech innovations

解决不当销售问题并增强消费者对金融科技创新的信任

基本信息

批准号：
10059527
负责人：
金额：
$ 17.57万
依托单位：
DERISKLY LIMITED
依托单位国家：
英国
项目类别：
Collaborative R&D
财政年份：
2023
资助国家：
英国
起止时间：
2023 至无数据
项目状态：
未结题

来源：
https://gtr.ukri.org/projects?ref=10059527
关键词：
Tackling mis selling enhancing consumer

项目摘要

The project develops an innovative AI-enabled solution to transform how fintech firms promote and market new types of financial products and services to consumers. With novel consumer fintech investment and lending products, the risks of mis-selling can be substantial. In the UK, mis-selling scandals over the past decade have costed firms tens of billions of pounds and considerable reputational damage. Importantly, these scandals have severely undermined consumer trust and put intense pressure on regulators to increase sanctions and impose more onerous rules on firms in the financial services sector.Our solution adopts a unique approach to enhancing consumers' and regulators' trust in fintech firms' promotion and marketing of new products and services. What makes our solution different to existing regulatory compliance tools is our focus on improving firms' communications of their products and services to consumers. It is the first-of-its-kind to combine a tool for consumer education and research and a platform for firms to evaluate how consumers and regulators may comprehend and respond to the firm's promotions of a product and its attendant risks and benefits.The project will design and develop a functional prototype of the solution before piloting it with a number of fast-growing consumer fintech firms in the UK. Our project team has domain expertise in financial regulation, fintech, machine learning, marketing, AI innovation and ethics.

该项目开发了一种创新的人工智能解决方案，以改变金融科技公司向消费者推广和营销新型金融产品和服务的方式。对于新的消费金融科技投资和贷款产品，不当销售的风险可能很大。在英国，过去十年的不当销售丑闻使公司损失了数百亿英镑，并造成了相当大的声誉损失。重要的是，这些丑闻严重损害了消费者的信任，并给监管机构带来了巨大压力，要求其加大制裁力度，并对金融服务行业的公司实施更繁重的规则。我们的解决方案采用了独特的方法，以增强消费者和监管机构对金融科技公司推广和营销新产品和服务的信任。我们的解决方案与现有的监管合规工具的不同之处在于，我们专注于改善公司与消费者之间的产品和服务沟通。这是第一个联合收割机将消费者教育和研究工具与企业评估消费者和监管机构如何理解和应对企业产品促销及其附带风险和收益的平台相结合的项目。该项目将设计和开发解决方案的功能原型，然后在英国一些快速增长的消费金融科技公司进行试点。我们的项目团队拥有金融监管、金融科技、机器学习、市场营销、人工智能创新和道德方面的专业知识。