Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective
The purpose of this interdisciplinary study is to investigate the applications of modern computational technologies in the field of credit investigation and discuss the related legal governance measurements in order to unblock the bottlenecks in the future development of credit investigation market....
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| Main Authors: | , , |
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| Format: | Article |
| Language: | English |
| Published: |
Wiley
2022-01-01
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| Series: | Discrete Dynamics in Nature and Society |
| Online Access: | http://dx.doi.org/10.1155/2022/6278317 |
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| _version_ | 1832548993339490304 |
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| author | Ying Zhang Zhen Xie Xiuwei Qu |
| author_facet | Ying Zhang Zhen Xie Xiuwei Qu |
| author_sort | Ying Zhang |
| collection | DOAJ |
| description | The purpose of this interdisciplinary study is to investigate the applications of modern computational technologies in the field of credit investigation and discuss the related legal governance measurements in order to unblock the bottlenecks in the future development of credit investigation market. By analyzing the computational technologies and algorithms most commonly used in credit data collection and data storage, data transmission and data access, data analysis and processing, data calculation, result output and effect evaluation, this paper summarizes and proposes a unified general process of modern credit investigation, pointing out that in this general process, low data quality, privacy violation, algorithmic bias are the main challenges in the big data era, and countermeasures like data quality control, privacy protection, and algorithm governance need to be to be taken seriously into account in order to further explore the great potential of the credit investigation under the legal framework. |
| format | Article |
| id | doaj-art-332f59b4972f40b0b9f92c4a4f0677d1 |
| institution | Kabale University |
| issn | 1607-887X |
| language | English |
| publishDate | 2022-01-01 |
| publisher | Wiley |
| record_format | Article |
| series | Discrete Dynamics in Nature and Society |
| spelling | doaj-art-332f59b4972f40b0b9f92c4a4f0677d12025-02-03T06:12:29ZengWileyDiscrete Dynamics in Nature and Society1607-887X2022-01-01202210.1155/2022/6278317Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary PerspectiveYing Zhang0Zhen Xie1Xiuwei Qu2Post-Doc at the Institute of Studies for AI & LawCredit DepartmentSchool of Date ScienceThe purpose of this interdisciplinary study is to investigate the applications of modern computational technologies in the field of credit investigation and discuss the related legal governance measurements in order to unblock the bottlenecks in the future development of credit investigation market. By analyzing the computational technologies and algorithms most commonly used in credit data collection and data storage, data transmission and data access, data analysis and processing, data calculation, result output and effect evaluation, this paper summarizes and proposes a unified general process of modern credit investigation, pointing out that in this general process, low data quality, privacy violation, algorithmic bias are the main challenges in the big data era, and countermeasures like data quality control, privacy protection, and algorithm governance need to be to be taken seriously into account in order to further explore the great potential of the credit investigation under the legal framework.http://dx.doi.org/10.1155/2022/6278317 |
| spellingShingle | Ying Zhang Zhen Xie Xiuwei Qu Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective Discrete Dynamics in Nature and Society |
| title | Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective |
| title_full | Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective |
| title_fullStr | Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective |
| title_full_unstemmed | Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective |
| title_short | Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective |
| title_sort | application and legal governance of computational technologies in credit investigation an interdisciplinary perspective |
| url | http://dx.doi.org/10.1155/2022/6278317 |
| work_keys_str_mv | AT yingzhang applicationandlegalgovernanceofcomputationaltechnologiesincreditinvestigationaninterdisciplinaryperspective AT zhenxie applicationandlegalgovernanceofcomputationaltechnologiesincreditinvestigationaninterdisciplinaryperspective AT xiuweiqu applicationandlegalgovernanceofcomputationaltechnologiesincreditinvestigationaninterdisciplinaryperspective |