The impact of machine learning on UK financial services
回顾了机器学习和人工智能对英国金融服务行业的影响，涵盖欺诈检测、信用评分、金融困境预测、机器人顾问和算法交易等应用，并讨论了监管与治理的重要性。
Machine learning is an increasingly key influence on the financial services industry. In this paper, we review the roles and impact of machine learning (ML) and artificial intelligence (AI) on the UK financial services industry. We survey the current AI/ML landscape in the UK. ML has had a considerable impact in the areas of fraud and compliance, credit scoring, financial distress prediction, robo-advising and algorithmic trading. We examine these applications using UK examples. We also review the importance of regulation and governance in ML applications to financial services. Finally, we assess the performance of ML during the Covid-19 pandemic and conclude with directions for future research.