Application Analysis of Artificial Intelligence in Financial Risk Assessment: A Case Study of Ant Group

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Observational analysis reveals enhanced credit assessments with AI at Ant Group, highlighting algorithmic opacity and data privacy challenges.

Increased accuracy of credit assessments and anti-fraud capabilities is achieved through integrated AI technologies.
Ant Group’s intelligent risk control system synthesizes multi-source data, enabling real-time monitoring.
Challenges such as algorithmic opacity and regulatory misalignment need addressing for effective implementation.
Proposed strategies include improving model interpretability and refining data governance frameworks.

Peilin Sun (2025) studied this question.

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Observational analysis reveals enhanced credit assessments with AI at Ant Group, highlighting algorithmic opacity and data privacy challenges.