Federated Artificial Intelligence for Unified Credit Assessment

Hoang, M.-D., Nguyen, A.-T., Le, T. and Nguyen, H. D. (2020) Federated Artificial Intelligence for Unified Credit Assessment. In: International Conference on Human-Computer Interaction (HCII 2020), Copenhagen, Denmark, 19-24 July 2020, pp. 44-56. ISBN 9783030495756 (doi: 10.1007/978-3-030-49576-3_4)

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With the rapid adoption of Internet technologies, digital footprints have become ubiquitous and versatile to revolutionise the financial industry in digital transformation. This paper takes initiatives to investigate a new paradigm of the unified credit assessment with the use of federated artificial intelligence. We conceptualised digital human representation which consists of social, contextual, financial and technological dimensions to assess the commercial creditworthiness and social reputation of both banked and unbanked individuals. A federated artificial intelligence platform is proposed with a comprehensive set of system design for efficient and effective credit scoring. The study considerably contributes to the cumulative development of financial intelligence and social computing. It also provides a number of implications for academic bodies, practitioners, and developers of financial technologies.

Item Type:Conference Proceedings
Glasgow Author(s) Enlighten ID:Nguyen, Dr Hoang D.
Authors: Hoang, M.-D., Nguyen, A.-T., Le, T., and Nguyen, H. D.
College/School:College of Science and Engineering > School of Computing Science
Published Online:10 July 2020

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