A Framework for Trustworthy AI in Credit Risk Management: Perspectives and Practices

被引：2

作者：

Mazumder, Sourav ^{[1
]}

Dhar, Subhankar ^{[2
]}

Asthana, Avinash ^{[3
]}

机构：

[1] IBM Corp, Open Grp, Armonk, NY 10504 USA

[2] San Jose State Univ, Informat Syst & Technol, San Jose, CA 95192 USA

[3] IBM Corp, Financial Serv, New York, NY 10003 USA

来源：

COMPUTER | 2023年 / 56卷 / 05期

关键词：

Analytical models; Computational modeling; Computer architecture; Risk management; Reliability; Artificial intelligence;

D O I：

10.1109/MC.2023.3236564

中图分类号：

TP3 [计算技术、计算机技术];

学科分类号：

0812 ;

摘要：

We present a reference architecture for trustworthy artificial intelligence based on three key tenets (usable, reliable, and transparent) and analyze its applicability in managing the challenges involved in the credit risk model from a practitioner's perspective. We propose a holistic approach covering relevant concerns in practical implementations.

引用

收藏

页码：28 / 40

页数：13

相关论文

共 50 条

[21] The METRIC-framework for assessing data quality for trustworthy AI in medicine: a systematic review [J].

Schwabe, Daniel ;

Becker, Katinka ;

Seyferth, Martin ;

Klass, Andreas ;

Schaeffter, Tobias .

NPJ DIGITAL MEDICINE, 2024, 7 (01)

[22] Drug driving and the management of risk: The perspectives and practices of a sample of problem drug users [J].

McIntosh, James ;

O'Brien, Tommy ;

McKeganey, Neil .

INTERNATIONAL JOURNAL OF DRUG POLICY, 2008, 19 (03) :248-254

[23] Using AI to Improve Risk Management: A Case Study of a Leading Telecommunications Provider [J].

Richard, Helena ;

Dornheim, Peter ;

Weber, Thorsten .

IEEE ACCESS, 2024, 12 :165068-165080

[24] Is it necessary? A framework for assessing the utility of AI in HRM practices [J].

Sohani, Shrihari S. ;

Pandey, Jatin ;

Varma, Arup ;

Ray, Prantika .

ACTA PSYCHOLOGICA, 2025, 254

[25] On a Framework for Strategic and Tactical Risk Management [J].

Lin, Chengwei ;

Xie, Min ;

Habibullah, M. Salahuddin .

IEEM: 2008 INTERNATIONAL CONFERENCE ON INDUSTRIAL ENGINEERING AND ENGINEERING MANAGEMENT, VOLS 1-3, 2008, :1319-+

[26] Administration by algorithm: A risk management framework [J].

Bannister, Frank ;

Connolly, Regina .

INFORMATION POLITY, 2020, 25 (04) :471-490

[27] Risk Management and Business Credit Scoring [J].

Kvesic, Ljiljanka ;

Dukic, Gordana .

PROCEEDINGS OF THE ITI 2012 34TH INTERNATIONAL CONFERENCE ON INFORMATION TECHNOLOGY INTERFACES (ITI), 2012, :47-51

[28] Risk management of Credit Default Swap [J].

Spuchlakova, Erika ;

Misankova, Maria .

SELECTED PAPERS OF 5TH WORLD CONFERENCE ON BUSINESS, ECONOMICS AND MANAGEMENT (BEM-2016), 2017, :229-234

[29] Perspectives on risk management [J].

Somers, E .

RISK ANALYSIS, 1995, 15 (06) :677-684

[30] AI in Financial Services: Fraud Detection and Risk Management [J].

Nujumudeen, Faizal ;

Anuja, Vadla ;

Devi, R. ;

Madhuri, U. ;

Radha, K. .

METALLURGICAL & MATERIALS ENGINEERING, 2025, 31 (03) :119-127

← 1 2 3 4 5 →