Federated Artificial Intelligence for Unified Credit Assessment

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.

ReINTEL: A Multimodal Data Challenge for Responsible Information Identification on Social Network Sites

This paper reports on the ReINTEL Shared Task for Responsible Information Identification on social network sites, which is hosted at the seventh annual workshop on Vietnamese Language and Speech Processing (VLSP 2020). Given a piece of news with respective textual, visual content and metadata, participants are required to classify whether the news is `reliable' or `unreliable'. In order to generate a fair benchmark, we introduce a novel human-annotated dataset of over 10,000 news collected from a social network in Vietnam. All models will be evaluated in terms of AUC-ROC score, a typical evaluation metric for classification. The competition was run on the Codalab platform. Within two months, the challenge has attracted over 60 participants and recorded nearly 1,000 submission entries.