Artificial intelligence(AI)has accelerated the advancement of financial services by identifying hidden patterns from data to improve the quality of financial decisions.However,in addition to commonly desired attributes,such as model accuracy,financial services demand trustworthy AI with properties that have not been adequately realized.These properties of trustworthy AI are interpretability,fairness and inclusiveness,robustness and security,and privacy protection.Here,we review the recent progress and limitations of applying AI to various areas of financial services,including risk management,fraud detection,wealth management,personalized services,and regulatory technology.Based on these progress and limitations,we introduce FinBrain 2.0,a research framework toward trustworthy AI.We argue that we are still a long way from having a truly trustworthy AI in financial services and call for the communities of AI and financial industry to join in this effort.

College of Computer Science and Technology,Zhejiang University,Hangzhou 310027,China;Ant Group,Hangzhou 310027,China

[1]Jun ZHOU;Chaochao CHEN;Longfei LI;Zhiqiang ZHANG;Xiaolin ZHENG-.FinBrain 2.0:when finance meets trustworthy AI)[J].信息与电子工程前沿（英文）,2022(12):1747-1764

FinBrain,fraud

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