ABSTRACT Robots and chatbots are sophisticated. Artificial intelligence (AI) is increasingly popular in the financial industry due to its ability to provide customers with cheap, efficient and personalised services. This article uses doctrinal sources and a case study to show that many banks and FinTech start-ups are investing in AI. Yet, there are a number of challenges arising from the use of AI which could undermine trust and confidence amongst consumers. This article features the issue of bias and discrimination in banking. There is evidence that algorithms discriminate against certain races and gender. Legislative gaps in the Equality Act 2010 and the General Data Protection Regime will be analysed. Ultimately, human beings are still needed to input, train and help machines to learn. Fortunately, the FCA are leading in regulating technology, from the launch of regulatory sandboxes to their co-operative collaboration with FinTech start-ups on regulatory matters. Augmented intelligence collaboration is needed to enable industry players and regulators to provide seamless regulation and financial stability. The future of AI regulation is inter-disciplinary in approach.

中文翻译：

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人工智能和增强智能协作：重获对金融部门的信任和信心

摘要 机器人和聊天机器人非常复杂。人工智能 (AI) 由于能够为客户提供廉价、高效和个性化的服务，因此在金融行业越来越受欢迎。本文使用理论来源和案例研究表明，许多银行和金融科技初创企业都在投资人工智能。然而，人工智能的使用带来了许多挑战，可能会破坏消费者之间的信任和信心。本文重点介绍银行业中的偏见和歧视问题。有证据表明算法会歧视某些种族和性别。将分析 2010 年平等法案和一般数据保护制度中的立法差距。归根结底，仍然需要人类来输入、训练和帮助机器学习。幸运的是，FCA 在监管技术方面处于领先地位，从推出监管沙箱到与金融科技初创企业就监管事宜开展合作。需要增强智能协作，使行业参与者和监管机构能够提供无缝监管和金融稳定。人工智能监管的未来是跨学科的。