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Artificial intelligence (AI) continues to find more numerous and morecritical applications in the financial services industry, giving rise to fairand ethical AI as an industry-wide objective. While many ethical principles andguidelines have been published in recent years, they fall short of addressingthe serious challenges that model developers face when building ethical AIsolutions. We survey the practical and overarching issues surrounding modeldevelopment, from design and implementation complexities, to the shortage oftools, and the lack of organizational constructs. We show how practicalconsiderations reveal the gaps between high-level principles and concrete,deployed AI applications, with the aim of starting industry-wide conversationstoward solution approaches.

On the Current and Emerging Challenges of Developing Fair and Ethical AI Solutions in Financial Services