Publicação
Anthropocentric AI for EU consumer lending: ‘Hacking’ opacity and discrimination ‘sins’ powered by creditworthiness machines
| Resumo: | Incorporating AI-based decision-making into consumer credit assessment under the framework of Consumer Law enhances regulatory compliance. This paper outlines a Multi-Agent Systems (MAS) to implementing Art. 18(6)(8)(9) of the EU 2023/2225 Directive, dated 18 October. In pursuit of this goal, we propose a legal framework emphasizing the necessity of hybrid oversight in AI-based consumer scoring. This study aims to improve transparency and fairness through the implementation of an Explainable Agent-based layer. Overall, this research introduces the concept of Machine-Centred Anthropocentrism. It acknowledges that, after the training, validation and testing stages, credit analysts no longer have complete psychological control over the data-driven entities programmers have given birth. |
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| Autores principais: | Rebelo, Diogo Morgado |
| Outros Autores: | Andrade, Francisco Carneiro Pacheco; Novais, Paulo |
| Assunto: | Art. 18 of the EU 2023/225 Directive Creditworthiness Assessment Multi-Agent-Centred Anthropocentrism |
| Ano: | 2025 |
| País: | Portugal |
| Tipo de documento: | comunicação em conferência |
| Tipo de acesso: | acesso aberto |
| Instituição associada: | Universidade do Minho |
| Idioma: | inglês |
| Origem: | RepositóriUM - Universidade do Minho |
| Resumo: | Incorporating AI-based decision-making into consumer credit assessment under the framework of Consumer Law enhances regulatory compliance. This paper outlines a Multi-Agent Systems (MAS) to implementing Art. 18(6)(8)(9) of the EU 2023/2225 Directive, dated 18 October. In pursuit of this goal, we propose a legal framework emphasizing the necessity of hybrid oversight in AI-based consumer scoring. This study aims to improve transparency and fairness through the implementation of an Explainable Agent-based layer. Overall, this research introduces the concept of Machine-Centred Anthropocentrism. It acknowledges that, after the training, validation and testing stages, credit analysts no longer have complete psychological control over the data-driven entities programmers have given birth. |
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