Talamo Alessandra, Marocco Silvia, Tricol Chiara
Department of Social and Developmental Psychology, Sapienza University of Rome, Rome, Italy.
Front Psychol. 2021 Jul 26;12:697101. doi: 10.3389/fpsyg.2021.697101. eCollection 2021.
Nowadays, the current application of artificial intelligence (AI) to financial context is opening a new field of study, named financial intelligence, in which the implementation of AI-based solutions as "financial brain" aims at assisting in complex decision-making (DM) processes as wealth and risk management, financial security, financial consulting, and blockchain. For venture capitalist organizations (VCOs), this aspect becomes even more critical, since different actors (shareholders, bondholders, management, suppliers, customers) with different DM behaviors are involved. One last layer of complexity is the potential variation of behaviors performed by managers even in presence of fixed organizational goals. The aim of this study is twofold: a general analysis of the debate on implementing AI in DM processes is introduced, and a proposal for modeling financial AI-based services is presented. A set of qualitative methods based on the application of cultural psychology is presented for modeling financial DM processes of all actors involved in the process, machines as well as individuals and organizations. The integration of some design thinking techniques with strategic organizational counseling supports the modeling of a hierarchy of selective criteria of fund-seekers and the creation of an innovative value proposition accordingly with goals of VCOs to be represented and supported in AI-based systems. Implications suggest that human/AI integration in the field can be implemented by developing systems where AI can be conceived in two distinct functions: (a) automation: treating Big Data from the market defined by management of VCO; and (b) support: creating alert systems that are coherent with ordered weighted decisional criteria of VCO.
如今，人工智能（AI）在金融领域的当前应用正在开启一个名为金融智能的新研究领域，在这个领域中，将基于AI的解决方案作为“金融大脑”来实施，旨在协助诸如财富与风险管理、金融安全、金融咨询和区块链等复杂的决策（DM）过程。对于风险投资机构（VCO）而言，这一方面变得更加关键，因为涉及具有不同决策行为的不同参与者（股东、债券持有人、管理层、供应商、客户）。最后一层复杂性在于，即使在存在固定组织目标的情况下，管理者的行为也可能发生变化。本研究的目的有两个：一是介绍对在决策过程中实施AI的辩论的总体分析，二是提出基于金融AI的服务建模建议。提出了一套基于文化心理学应用的定性方法，用于对过程中涉及的所有参与者（机器以及个人和组织）的金融决策过程进行建模。将一些设计思维技术与战略组织咨询相结合，有助于对资金寻求者的选择标准层次进行建模，并根据VCO在基于AI的系统中要体现和支持的目标，创建创新的价值主张。研究结果表明，该领域中的人机/AI整合可以通过开发系统来实现，在这些系统中，AI可以被设想为具有两种不同功能：（a）自动化：处理由VCO管理层定义的来自市场的大数据；（b）支持：创建与VCO有序加权决策标准相一致的警报系统。
