美国银行业的负责任人工智能.pdf

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1、The Banking industry lacked a consistent method for determining the maturity of Responsible AI programs,which underpin confidence and trust in fair lending.My research developed an instrument to measure the maturity of RAI programs in Banks.This study defines RAI as the ability to implement AI/ML mo

2、dels in credit underwriting that can transparently explain the data inputs and predicted recommendation outputs of the models such that fairness,in terms of mitigation of bias and harm,is confirmed.#Factor Name#Key EvidenceLiterature ReferencesReference1 Organizational Commitment to RAIOrg Structure

3、 RAI Focus1 To what degree is there a formal org structure entity called Responsible or Ethical AI?12345No evidence of org on Responsible AIResponsible AI is mentioned within other org focus.Other org has responsible for AI fairnessRAI mentioned within related org structure.Formal org named Ethical

4、or Responsible AIde Laat,P.B.(2021).Companies Committed to Responsible AI:From Principles towards Implementation and Regulation?Philos Technol,1-59.Investment in RAI2 To what degree is there evidence of significance financial investment linked to Responsible AI.12345There is no formal investmentTher

5、e is discretionary budget for RAIThere is 1-3%of IT budget allocated for RAIThere is 5%of IT budget allocated for RAIThere is more than 5%budget allocated for RAIBorg,J.S.(2021).Four investment areas for ethical AI:Transdisciplinary opportunities to close the publication-to-practice gap.Big Data&Soc

6、ietyROI analysis on RAI3 To what degree is there a formal financial ROI analysis performed on Responsible AI?12345There is no formal ROI measurementsThere is an ROI measurement being developedThere is a limited ROI process in place.There is significant leverage of the ROI measurementsAll RAI investm