Big data, artificial intelligence and machine learning: A transformative symbiosis in favour of financial technology
通过多维描述性分析，梳理大数据、人工智能和机器学习技术在金融科技中的渗透程度，提出三者共生关系的框架，并验证其对金融服务业和数据科学家角色转变的影响，同时讨论AI伦理、监管科技等挑战。
Abstract This paper uses a multidimensional descriptive analysis to familiarize the reader with the extent of penetration of big data, artificial intelligence (AI) and machine learning (ML) techniques in the financial technology roadmap. We propose a clear framework for the symbiotic nature of these data science themes towards fintech empowerment. The framework is validated through their impact on fintech, financial services' profession and the shifting paradigm of the data scientist role. We also discuss the dark side of this symbiosis, while AI and ML techniques are tied with the future challenges of AI ethics, regulation technology and the smart data utilization.