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FinTrust: Trust Engineering for the Financial Industry

FinTrust：金融行业的信托工程

基本信息

批准号：
EP/R033595/1
负责人：
Aad Van Moorsel
金额：
$ 133.43万
依托单位：
Newcastle University
依托单位国家：
英国
项目类别：
Research Grant
财政年份：
2018
资助国家：
英国
起止时间：
2018 至无数据
项目状态：
已结题

来源：
https://gtr.ukri.org/projects?ref=EP%2FR033595%2F1
关键词：
FinTrust Trust Engineering Financial Industry

项目摘要

The FinTech industry is one of the major growth industries in the United Kingdom. These companies create new, cheaper and faster services, utilizing the latest technologies such as cloud, mobile and blockchain. To succeed they need to gain the trust of customers in a period that society's trust in the financial industry is still impacted by the mortgage crisis almost a decade ago. They need to gain this trust while technologies are changing rapidly and data breaches are continuously in the news. FinTrust will research the issue of trust in FinTech, identifying the generic research challenges and establishing fundamental research results. A particular focus will be on increased automation through the use of machine learning algorithms, which may have implications that affect consumer trust in the new services.For the first time, research results as derived in FinTrust will be made available as a Trust Engineering Tool Kit, allowing service provider, regulators and consumer organizations to assess levels of trust, quantify the extent to which trust matters to consumers and trust attitude differentiates consumers, assess bias in automated advice, establish whether algorithms may lead to financial exclusion or financial distress and protect services from erroneous algorithmic results. In our work we balance the commercial interest with society's interests, addressing issues such as financial exclusion through algorithmic bias. FinTrust offers a focused pathway to academic, societal and economic impact. Starting from the co-creation effort with Atom Bank that resulted in the proposal, we grow the Stakeholder Panel to include customer organizations, regulators and other stakeholders. We then establish a joint-up academic community in a FinTech Network, bringing together ICT, EPSRC and other research and intertwine this with existing research networks in finance and business research. We will make the software tools available freely and to a wide audience, training the research staff in interacting and public engagement to optimize the impact from our research.

金融科技行业是英国的主要增长行业之一。这些公司利用云、移动和区块链等最新技术，提供新的、更便宜、更快的服务。为了取得成功，他们需要在一个社会对金融业的信任仍受到近十年前抵押贷款危机影响的时期赢得客户的信任。他们需要在技术快速变化和数据泄露不断出现的情况下获得这种信任。FinTrust将研究金融科技中的信任问题，确定通用研究挑战并建立基础研究成果。特别关注的是通过使用机器学习算法来提高自动化程度，这可能会影响消费者对新服务的信任。FinTrust得出的研究结果将首次作为信任工程工具包提供，使服务提供商、监管机构和消费者组织能够评估信任水平，量化信任对消费者的影响程度以及信任态度区分消费者的程度，评估自动化咨询中的偏见，确定算法是否可能导致金融排斥或金融困境，并保护服务免受错误算法结果的影响。在我们的工作中，我们平衡商业利益与社会利益，通过算法偏见解决金融排斥等问题。FinTrust提供了一条聚焦学术、社会和经济影响的途径。从与Atom Bank的共同创造工作开始，我们将利益相关者小组扩大到包括客户组织、监管机构和其他利益相关者。然后，我们在金融科技网络中建立一个联合学术社区，汇集ICT， EPSRC和其他研究，并将其与现有的金融和商业研究研究网络相互交织。我们将免费向广大受众提供软件工具，培训研究人员进行互动和公众参与，以优化我们研究的影响。