FinTrust: Trust Engineering for the Financial Industry

Lead Research Organisation: Newcastle University
Department Name: Sch of Computing

Abstract

The FinTech industry is one of the major growth industries in the United Kingdom. These companies create new, cheaper and faster services, utilizing the latest technologies such as cloud, mobile and blockchain. To succeed they need to gain the trust of customers in a period that society's trust in the financial industry is still impacted by the mortgage crisis almost a decade ago. They need to gain this trust while technologies are changing rapidly and data breaches are continuously in the news. FinTrust will research the issue of trust in FinTech, identifying the generic research challenges and establishing fundamental research results. A particular focus will be on increased automation through the use of machine learning algorithms, which may have implications that affect consumer trust in the new services.

For the first time, research results as derived in FinTrust will be made available as a Trust Engineering Tool Kit, allowing service provider, regulators and consumer organizations to assess levels of trust, quantify the extent to which trust matters to consumers and trust attitude differentiates consumers, assess bias in automated advice, establish whether algorithms may lead to financial exclusion or financial distress and protect services from erroneous algorithmic results. In our work we balance the commercial interest with society's interests, addressing issues such as financial exclusion through algorithmic bias.

FinTrust offers a focused pathway to academic, societal and economic impact. Starting from the co-creation effort with Atom Bank that resulted in the proposal, we grow the Stakeholder Panel to include customer organizations, regulators and other stakeholders. We then establish a joint-up academic community in a FinTech Network, bringing together ICT, EPSRC and other research and intertwine this with existing research networks in finance and business research. We will make the software tools available freely and to a wide audience, training the research staff in interacting and public engagement to optimize the impact from our research.

Planned Impact

The research in FinTrust aims to derive software and management tools for trust engineering in the financial industry, especially focusing on automation through machine learning algorithms . FinTrust delivers a tool kit for assessing human trust, assessing bias of algorithms, and offers approaches to control how socio-technical systems interface with algorithms. Our tools are based on FinTrust's generic research insights and can therefore find application across the industry (even beyond the FinTech industry, although initially this is not the focus of the project and its pathways to impact). The tools will be open source, and downloadable from the web and the data we use will confirm to the policy framework on research data of UK Research Councils. That is, we make all data openly available as quickly and with as few restrictions as possible, realising the commercial constraints that may be posed by our partner Atom Bank.

When co-creating the FinTrust proposal we worked closely with Atom Bank, one of the most prominent FinTech companies in the UK. In the six months of FinTrust we will establish a Stakeholder Panel to broaden the base of interaction, including FinTech companies, regulatory bodies (Financial Conduct Authority) and consumer protection organisations. The stakeholders will collaborate through further co-design of the research approaches, as well as in co-research through participation in the research in human factors and in testing our tools. In this manner, FinTrust will optimize the suitability of its tool for industrial take-up and for functionality that protect the consumer while fulfilling requirements of the regulator.

A specific area of interest in our work is the issue of financial exclusion and financial distress. These have been highlighted as important societal challenges by the House of Lords ('Tackling Financial Exclusion: A country that works for everyone? Report of Session 2016-17', House of Lords Select Committee on Financial Exclusion, 2017) and the Financial Conduct Authority ('Predicting financial distress by predicting unaffordable consumer credit agreements: An applied framework', Financial Conduct Authority Occasional Paper 28, 2017). By interfacing with FCO and consumer organisations we can optimize the tools we develop in terms of avoiding bad loans and, at the same time, financial exclusion.

FinTrust will deliver benefits in terms of raising public awareness over the operations and implications of banking services, including fully automated 'robo-advice'. It will also reach out and discuss with consumers, politicians and other about the implications of automated advice for financial exclusion, distress and consumer trust.

The project will pay particularly close attention to career development if its research associates, through public engagement training, training sessions with our partner Atom Bank, and through involving them intensively with the various network activities FinTrust leads and participates in. We will develop tutorials and presentations for academic and non-academic conferences and meetings, reserving budget for professional developers of presentations materials, flyers and web site.

Publications

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Olabode S (2023) Complex online harms and the smart home: A scoping review in Future Generation Computer Systems

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Alharby M (2021) Simulating permissionless blockchains: Distribution fitting, tool support, and a case study in International Journal of Network Management

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Zilius K (2023) A Dataset of Coordinated Cryptocurrency-Related Social Media Campaigns in Proceedings of the International AAAI Conference on Web and Social Media

 
Description The main discoveries are bundled in the FinTrust Toolkit. Here we provide some highlights.

Overall: Digital banking can pose challenges for citizens, raising vulnerability concerns around trust in banking institutions: branch closures, accessibility of online services, and digital skills and understanding all play a role in the inclusion and participation of people in the digital society. FinTrust investigates digitization and its impact on society. Our Trust Engineering Tool Kit translates understandings and techniques developed through the FinTrust project to help your business to better understand trust and trustworthy systems within the increasing automation of financial services.

Vulnerable customers: We found that:
• Over 53% of the UK population sit under the four FCA drivers of vulnerability: health, life events, resilience and capabilities1 .
• Most technology is not built to adapt to vulnerabilities.
• Other forms of digital identity can meet KYC (Know Your Customer) FCA regulations to drive financial inclusion, and can help meet ESG (Environmental Social Governance) and SDG (Sustainable Development Goals) UN directives.

Chatbots: Our study found that people were more willing to disclose sensitive financial information such as an account number and sort code to the impersonal "XRO23" system, without humanistic traits. This suggests that socio-emotional features in chatbots designed exclusively for automated financial support have little advantage in FinTech.

AI and Fairness: We found that:
• People's trust perceptions and beliefs surrounds that an organisation or system is honest, reliable, or safe.
• "Trust" means different things to different people.
• For engineers and designers, "trustworthiness" is concerned with the "FEAS" properties of machine learning systems: Fairness, Explainability, Auditability and Safety.
Exploitation Route The work serves as input for the next two major projects of the investigators: (1) UKFin, the EPSRC NetworkPlus in Financial Services; (2) AGENCY, Providing Consumer Agency in a World with Complex Online Harms.

The software is available from GitHub: https://github.com/NewcastleRSE/fintrust-vc-issuer and https://github.com/NewcastleRSE/fintrust-vc-verifier
Sectors Communities and Social Services/Policy

Digital/Communication/Information Technologies (including Software)

Financial Services

and Management Consultancy

URL https://fintrustresearch.com/assets/pdf/FinTrustToolkit.pdf
 
Description Impact on project collaborators Atom Bank: - change and maturing in Atom's understanding of customer trust and mistrust in financial services - consideration of vulnerability disclosure approaches that were not know/visible to the bank before interacting with the project research in verifiable credentials. Impact of charities, in particular associated with Financial Exclusion: - partner Aster Foundation has used a bespoke version of our financial inclusion related questionnaire to better understand their base of individuals they aim to help
First Year Of Impact 2020
Sector Financial Services, and Management Consultancy
Impact Types Societal

Economic

 
Description Creating national fintech innovation hubs for Centre for Finance, Innovation and Technology
Geographic Reach Local/Municipal/Regional 
Policy Influence Type Contribution to a national consultation/review
Impact The CFIT centre will roll out across the UK from February 2023. This will provide hubs across the UK including Birmingham where Profs. Elliott and van Moorsel reside and therefore, aligned with the UKFin Network Plus (EPSRC) grant will fund R&D between academia and fintechs to tackle social wicked problems using digital technologies and producing a fintech talent pipeline.
URL https://www.gov.uk/government/news/new-national-hub-for-fintech-to-be-launched-at-leeds-event
 
Description Arrow Programme, EU-funded, managed at Newcastle University
Amount £5,000 (GBP)
Organisation European Union 
Sector Public
Country European Union (EU)
Start 03/2020 
End 06/2020
 
Description Centre for Digital Citizens - Next Stage Digital Economy Centre
Amount £3,797,252 (GBP)
Funding ID EP/T022582/1 
Organisation Engineering and Physical Sciences Research Council (EPSRC) 
Sector Public
Country United Kingdom
Start 11/2020 
End 10/2025
 
Description Demystifying Decentralised Finance
Amount £2,500 (GBP)
Organisation Newcastle University 
Sector Academic/University
Country United Kingdom
Start 03/2021 
End 09/2022
 
Description Financial Services Network Plus "ACORN: wicked problems in Finance"
Amount £2,500,000 (GBP)
Funding ID EP/W034042/1 
Organisation Engineering and Physical Sciences Research Council (EPSRC) 
Sector Public
Country United Kingdom
Start 03/2022 
End 03/2027
 
Description NCSC/EPSRC FinTech Research Directions Workshop
Amount £5,700 (GBP)
Organisation Engineering and Physical Sciences Research Council (EPSRC) 
Sector Public
Country United Kingdom
Start 03/2018 
End 03/2018
 
Description North East ESRC Impact Acceleration Fund Application
Amount £8,307 (GBP)
Funding ID North East ESRC Societal & Economic Impact Acceleration Fund 
Organisation Economic and Social Research Council 
Sector Public
Country United Kingdom
Start 06/2016 
End 06/2017
 
Description Post-Doctoral Enrichment Award
Amount £2,000 (GBP)
Organisation Alan Turing Institute 
Sector Academic/University
Country United Kingdom
Start 03/2022 
End 10/2022
 
Description Research Grant, Standard Research - NHFP "AGENCY: Assuring Citizen Agency in a World with Complex Online Harms"
Amount £3,500,000 (GBP)
Funding ID EP/W032481/1 
Organisation Engineering and Physical Sciences Research Council (EPSRC) 
Sector Public
Country United Kingdom
Start 03/2022 
End 03/2025
 
Description UKRI Interdisciplinary Centre for Circular Chemical Economy
Amount £4,436,401 (GBP)
Funding ID EP/V011863/1 
Organisation Engineering and Physical Sciences Research Council (EPSRC) 
Sector Public
Country United Kingdom
Start 01/2021 
End 12/2022
 
Description Verifiable Credentials for Financial Inclusion
Amount £58,000 (GBP)
Organisation Alan Turing Institute 
Sector Academic/University
Country United Kingdom
Start 09/2020 
End 06/2021
 
Title A Dataset of Coordinated Cryptocurrency-Related Social Media Campaigns 
Description The paper describing this dataset can be found here: Zilius, K., Spiliotopoulos, T., & van Moorsel, A. (2023). A Dataset of Coordinated Cryptocurrency-Related Social Media Campaigns. arXiv, 2301.06601. https://arxiv.org/abs/2301.06601 Abstract The rise in adoption of cryptoassets has brought many new and inexperienced investors in the cryptocurrency space. These investors can be disproportionally influenced by information they receive online, and particularly from social media. This paper presents a dataset of crypto-related bounty events and the users that participate in them. These events coordinate social media campaigns to create artificial "hype" around a crypto project in order to influence the price of its token. The dataset consists of information about 15.8K cross-media bounty events, 185K participants, 10M forum comments and 82M social media URLs collected from the Bounties(Altcoins) subforum of the BitcoinTalk online forum from May 2014 to December 2022. We describe the data collection and the data processing methods employed, we present a basic characterization of the dataset, and we describe potential research opportunities afforded by the dataset across many disciplines. 
Type Of Material Database/Collection of data 
Year Produced 2023 
Provided To Others? Yes  
Impact This work led to a paper submission: https://doi.org/10.48550/arXiv.2301.06601 
URL https://zenodo.org/record/7539178
 
Description Advisory partnership and MoU with Atom Bank 
Organisation Atom Bank
Country United Kingdom 
Sector Private 
PI Contribution Advisory role in executive board and innovation executive board, in particular with respect to rust in AI and ethics of AI
Collaborator Contribution Use of the Atom 'kitchen' facility, the customer focus groups Insight in their product innovation technology
Impact Multi-disciplinary, involved computing and social sciences advise, and involves technology as well as business leaders in Atom
Start Year 2020
 
Description "Am I going to be replaced by AI?" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Postgraduate students
Results and Impact The Durham Leaders Think Tank is a regular space for student leaders and alumni that encourages a forum of debate on current issues, sharing views and insights. They are great opportunities to network with high profile alumni and lead the discussions. I was invited given my profile in relation to the FinTrust project and lecturing on the 'Future of Work' to discuss AI, one of the most talked about and misunderstood topics in the future of work. I will introduce this space and lead breakout rooms with discussions around "How far will AI go in replacing our jobs?" and "How can we harness AI to our advantage in our careers?"

As a Durham Alumni, it is rewarding to be asked to speak to students, increasing their curiosity in the topic, specifically, in what the future will hold for their careers in the digital era/economy.
Year(s) Of Engagement Activity 2021
URL https://www.dur.ac.uk/leadership-framework/
 
Description 'Searching for Mana' Dr Karen Elliott 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact This week, Lloyd chats with Dr Karen Elliott, a Senior Lecturer in Enterprise/Innovation at Newcastle University. Karen was voted one of Innovate Finance's #Standout 35 Women in FinTech, and in 2018, she and her colleagues earned a £1.2-million grant to help Atom Bank elevate its FinTech services. In this interview, Lloyd and Karen discuss the future of work, why a strong sense of purpose is the best incentive in the FinTech space, and the unexpected challenges facing emotionally intelligent bots. Plus: how can we stop the next Wirecard before it happens, breaking down the divide between academia and business, and so much more.

The purpose was to raise awareness of the FinTrust project - working in the FinTech sector in the North East and as a woman in FinTech. Afterwards, I received enquiries via email, etc.
Year(s) Of Engagement Activity 2020
URL http://manasearch.co.uk/2020/08/13/karen-elliott-fintech-senior-lecturer-newcastle-university/
 
Description 'Zero touch customer experience' Worldline Roundtable Series. 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact A paper was published (online) that looked at Digital Transformation and Payments in a world dominated by the battle against the virus. Last week we assembled a fantastic panel of a range of experts, and spent an hour discussing what we had each seen from different perspectives. The panel consisted of a number of senior executives and academics from across the Fintech, Digital and Technology spectrum - including analysts, networks, communities and suppliers.

On the back of this discussion, and with a number of special guests, we will be commencing a series of open panel discussions on specific aspects of this discussion on a fortnightly basis from Thursday 6th August.
Year(s) Of Engagement Activity 2020
URL https://www.linkedin.com/pulse/new-digital-society-all-rob-price/
 
Description 11th April 2019: Keynote speaker at "Health Data and the Welfare State: Debating data-driven futures in the Nordic countries" at Helsinki University, Finland 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Delivered the keynote speech at an event in Finland on "Health Data and the Welfare State: Debating data-driven futures in the Nordic countries". Sharing experiences and research findings from previous work undertaken in Scotland. Generated substantial interest in opportunities for learning from international experiences and translating research findings across different regions.
Year(s) Of Engagement Activity 2019
 
Description 12th July 2019: Delivered invited seminar at the Centre for Human-Computer Interaction Design (HCID) at City University of London. Title of seminar: "Establishing a Social License for Data Practices" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Professional Practitioners
Results and Impact Presenting in seminar to human computer interaction (HCI) professionals. Discussing ethical data practices and the role of public engagement. Generated significant discussion around approaches to public engagement and opportunities to maximise the value of public engagement.
Year(s) Of Engagement Activity 2019
 
Description 15th February: Delivered LabTalk at Open Lab, Newcastle University: Public Engagement to Address Ethical Challenges around Data Use 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Local
Primary Audience Other audiences
Results and Impact Presenting an overview of my previous and current research relating to ethical data practices and the role of public engagement. Led to interest in research and developing new relationships for potential future collaborations.
Year(s) Of Engagement Activity 2019
 
Description 21st November 2019: Speaking about FinTrust at Barclay's Eagle Lab event on "Application of AI within Fraud: Detection, Protection and Prosecution" 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Industry/Business
Results and Impact Aad van Moorsel, Kovila Coopamootoo and Mhairi Aitken presented an overview of the FinTrust project at this event. Attended by around 40 people from industry and public sector. Generated discussion around putting research findings into practice. Generated interest in the research project.
Year(s) Of Engagement Activity 2019
 
Description 23rd January 2020: Hosted reading group on Big Data at University of Wollongong, Australia 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Led a reading group focused on discussing three of my papers (Consensus Statement; From Trust to Trustworthiness and; Public Expectations of Public Benefits). Advertised publicly the reading group was attended by around 15 people including academics, postgraduate students, and people working in healthcare organisations in the region. Generated substantial interest in examining relevance of research findings from the U.K. in Australia.
Year(s) Of Engagement Activity 2020
 
Description 24th March 2019: Performed Dr Google Will See You Now! At the Glasgow International Comedy Festival 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Public/other audiences
Results and Impact Provocative and light-hearted talk about potential future applications of Artificial Intelligence. Sparked audience debate and interest in the subject.
Year(s) Of Engagement Activity 2019
 
Description 25th August 2019: Performed Blame It On The Algorithm! Part of the Cabaret of Dangerous Ideas at the Edinburgh Festival Fringe 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Public/other audiences
Results and Impact Provocative spoken word show, part of the Cabaret of Dangerous Ideas at the Edinburgh Festival Fringe. Generated audience discussion about potential future roles of AI in society and the choices that individuals make regarding adoption of new technologies. Video of show online here: https://www.youtube.com/watch?v=m3qf-K7OgZw
Has led to a number of invitations and requests to perform the show to different audiences (including to industry).
Year(s) Of Engagement Activity 2019
 
Description 26th October 2019: Performed Blame It On The Algorithm! At Dynamic Earth, Edinburgh as part of the Festival of Physics 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Public/other audiences
Results and Impact Part of the Festival of Physics. Performed provocative spoken word show about the role and impact of AI in society. Around 40 members of the public attended.Sparked questions and debate about the decisions individuals make regarding whether or not to use new technologies.
Year(s) Of Engagement Activity 2019
 
Description 29th January 2020: Performed "Blame It On The Algorithm!" at Headlands Hotel, Austinmer NSW (Australia) 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Performed "Blame It On The Algorithm!" at Headlands Hotel, Austinmer NSW (Australia). Attended by around 25 people, the talk led into thoughtful and engaged discussions relating to ethical dimensions around the development and deployment of artificial intelligence and people's own decisions regarding adoption of new technologies.
Year(s) Of Engagement Activity 2020
 
Description 29th November 2019: Speaker and panellist at 'To Err is Machine: Biases, Failure and Fairness in AI', Fifth event in a series of public discussions orgnised by EdIntelligence (Machine Learning Society), School of Informatics, University of Edinburgh and Edinburgh Futures Institute 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Postgraduate students
Results and Impact Presented about ethical dimensions of artificial intelligence. Took part in panel discussion. Around 50 audience members. Open to the public. Discussions focussed around challenges of pursuing ethical AI and translating ethical principles and guidance into meaningful action.
Year(s) Of Engagement Activity 2019
 
Description 29th October 2019: Performed "Getting Sexy with Data" at Bright Club at the Stand Comedy Club, Edinburgh, organised by Data Lab (Scotland's Innovation Centre for data and AI) as part of Discover Digital Week 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Public/other audiences
Results and Impact Performed as part of Bright Club (academic stand-up comedy night) at the Stand Comedy Club in Edinburgh. Audience of around 100 people. 7 minute set discussing controversial dimensions of artificial intelligence.
Year(s) Of Engagement Activity 2019
 
Description 30th January 2020: Keynote speaker at symposium on Big Data, Linking Data, Sharing Data: what can we do and what should we do? At ACHEEV, University of Wollongong. Title of talk: "Developing a Social License for Data-Intensive Health Research: Experiences from Scotland" 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Third sector organisations
Results and Impact Delivering keynote talk at this event which brought together around 50 people from a range of backgrounds including healthcare, computer science, innovation-related industry, patient support groups and policy. Discussing opportunities relating to uses of health data. Talk generated substantial interest in experiences in Scotland. Led to requests for further information and interest in future collaboration.
Year(s) Of Engagement Activity 2020
 
Description 30th October 2019: Performed and discussed "Blame It On The Algorithm!" at Atom Bank 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Local
Primary Audience Industry/Business
Results and Impact Performed "Blame it on the Algorithm" at Atom Bank. Attended by around 30 members of Atom staff. Talk introduced ethical dilemmas and controversial examples relating to the development and deployment of artificial intelligence. Led to thoughtful and engaged discussions about the relevance of digital ethics within Atom Bank. Very positive feedback including requests for further meetings and discussions.
Year(s) Of Engagement Activity 2019
 
Description 3rd August 2019: Performed Blame It On The Algorithm! At Belladrum Tartan Heart festival 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Public/other audiences
Results and Impact Performed "Blame it on the Algorithm" at the Belladrum Tartan Heart Festival. Belladrum is an arts and music festival held in the North of Scotland. The talk was hosted by the Royal Society of Edinburgh as part of the festival's "Boffinarium" science zone. The audience consisted mostly of families with children aged between 9 and 16. The talk generated significant discussion about the role of AI in society and the choices individuals make regarding whether or not to use new technologies. Children in the audience were particularly engaged. Feedback received was very positive including some comments that it was a highlight of the festival.
Year(s) Of Engagement Activity 2019
 
Description 6th September 2019: Invited Talk: "An interdisciplinary journey to exploring ethics of AI" at ACM-W UK Inspire Conference, University of Kent 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Other audiences
Results and Impact Delivering a keynote speech at the ACM-W conference. Speaking about the value of interdisciplinary perspectives in relation to AI.
Year(s) Of Engagement Activity 2019
 
Description A Glimpse of the Future Navigating Digital Payments in 2030 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Discussing the outcomes and insights from the FinTrust project and the future of technology in relation to inclusive payments via Worldline and reviewed by their scientific community. Our work has influenced Worldline's strategy around technology to drive financial inclusion. I continue to work with them.
Year(s) Of Engagement Activity 2021
URL https://www.youtube.com/watch?v=zCEVilOinVE
 
Description Are we regulating humans or systems? Jericho Roundtable Series 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Policymakers/politicians
Results and Impact An "Ethics of Disruption" programme and on the Tech sector more generally. This roundtable is the first in a series of deeper dives exploring the changing landscape of AI, FinTech, Robotics and Regulatory Frameworks, particularly as we move towards Building Back Better.

As a panel member I used insights from the FinTrust programme on ethical AI, the implications for FinTech to engage with trustworthy technologies and how the FCA can assist with informed regulation. Also on the panel Prof Luciano Floridi, a renowned thought-leader in ethical AI. This roundtable helped raise awareness of the FinTrust project and the insights we are adding to this topic, I remain in contact with panel members.
Year(s) Of Engagement Activity 2020
URL https://jerichochambers.com/fintech-are-we-regulating-humans-or-systems/
 
Description At the intersection of fintech and academia | Interview with Prof. Karen Elliott 
Form Of Engagement Activity A press release, press conference or response to a media enquiry/interview
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact An interview with my work and transition into academia from industry examining the key role academia plays in accelerating the development and growth of fintech innovation.
Year(s) Of Engagement Activity 2022
URL https://thepaypers.com/interviews/at-the-intersection-of-fintech-and-academia-interview-with-prof-ka...
 
Description Barclays Innovations 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Industry/Business
Results and Impact Presentations about ethics and AI at the Barclays Innovation Eagles Lab. Presentations by Aad van Moorsel and Mhairi Aitken. Liverly discussiong followed, contacts were made of potential use in future, audience mentioned that their eyes were opened re. potential ethical implications of AI.
Year(s) Of Engagement Activity 2020
 
Description Birmingham Tech Week 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Professional Practitioners
Results and Impact Birmingham Tech Week is the main annual event for technology advances in the West Midlands. This item refers to the invited presentation about research in the FinTrust, UKFin and AGENCY projesct
Year(s) Of Engagement Activity 2023
 
Description Blockchain and AI - Ying and Yang? 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Invited to take part in an Airmeet talk series. This talk focused on "Blockchain and Artificial Intelligence are the hottest tech trends of the 21st century. In this meet and talk we explore how synergy between these two technologies can create a massive value for data distribution, security & resource optimization".

Here, using the outputs from the FinTrust project, I discussed the combination of blockchain and AI including transaction speeds, the 'value' that can be created including the risks of not using AI in an ethical manner and processes we are examining in our concept of a 'Chain of Trust' in building trustworthy AI-enabled technologies.
Year(s) Of Engagement Activity 2020
URL https://cloud-user-recordings-converted-prod.s3-ap-south-1.amazonaws.com/recordings/ba4d24a0-f04c-11...
 
Description Blockparty organised by Blocknorth - keynote speaker 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Industry/Business
Results and Impact A range of practitioners from technology companies to lawyers attended the 'blockparty' to understand blockchain, its uses and included discussion of potential uses in the FinTrust project. Thus, raising interest in financial technology and promoting research in this topic.
Year(s) Of Engagement Activity 2020
URL https://www.linkedin.com/company/blocknorth/videos/
 
Description CDEI publish summary of responses to Call for Evidence on Bias Review - FinTrust Team responded 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Policymakers/politicians
Results and Impact As part of the CDEI's 2019/2020 Work Programme, the CDEI called for input to a Review focusing on Bias in Algorithmic Decision-Making. The Review explores bias in four key sectors: policing, financial services, recruitment and local government. These sectors have been selected because they all involve significant decisions being made about individuals, and have evidence of both a growing uptake of machine learning algorithms and historic bias in human decision-making. The FinTrust Team authored a response and contributed to the Review.
Year(s) Of Engagement Activity 2019
URL https://www.gov.uk/government/publications/responses-to-cdei-call-for-evidence/cdei-bias-review-call...
 
Description Catalyis North-East FinTech report Launch 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Professional Practitioners
Results and Impact Panel discussion at the occassion of the launch of the report on FinTech North East. That report reviews activities in the north-east associated with FinTech.
Year(s) Of Engagement Activity 2019
 
Description Celebrating Women in Digital and Tech: Karen Elliott, Senior Lecturer in Enterprise & Innovation at Newcastle University Business School 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Industry/Business
Results and Impact To raise the profile of our research in the region and nationally. Generator form part of the Digital Union and the audience can reach international audiences given EU funding. This has led to a continued dialogue and collaboration with Generator's members i.e. taking part in survey's to inform research, taking part in focus groups and commenting on prototype developments from industry experts.
Year(s) Of Engagement Activity 2020
URL https://generator.org.uk/newsroom/digital-union/celebrating-women-in-digital-and-tech-karen-elliot-s...
 
Description Centre for Finance, Innovation and Technology (CFIT) invite only to launch 
Form Of Engagement Activity A press release, press conference or response to a media enquiry/interview
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact Following the involvement of the FinTrust team in the Kalifa Review, the CFIT centre was the recommendation of Sir Ron Kalifa. Charlotte Crosswell (Chair of CFIT) invited Prof Elliott to the launch and confirmed the partnership with Birmingham University and Profs Elliott and van Moorsel as part of the national plans for CFIT.
Year(s) Of Engagement Activity 2023
URL https://www.ft.com/content/7574724f-8cf7-4e61-8ea7-f0331c34b519
 
Description Chairing session for University of Surrey conference 18th May 2021 - Behavioural Science Conference for security systems 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Other audiences
Results and Impact Invited to discuss research in fintech and cyber security whilst chairing the discussion for peers from Surrey University, requested by Prof Helen Treharne.
Year(s) Of Engagement Activity 2021
URL https://www.ias.surrey.ac.uk/event/usable-security/#:~:text=This%20workshop%20is%20interdisciplinary...
 
Description Challenges in the workplace for women in FinTech 
Form Of Engagement Activity A magazine, newsletter or online publication
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Industry/Business
Results and Impact Following my inclusion in the Innovate Finance Powerlist 2020 - requested to discuss diversity, equality and inclusion in the workplace for women and to consider how we can collaborate to help pave the way for females into the FinTech industry which is predominantly male in nature.
Year(s) Of Engagement Activity 2021
URL https://www.finextra.com/the-long-read/169/fintech-jobs-the-challenges-for-women-in-the-workplace
 
Description CogX The Global Leadership Summit and Festival of AI & Breakthrough Technology Panel Member, Finance and the Future of FinTech 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Asked to form a panel on FinTech and the Future of Financial Services: Building Better Financial Infrastructure: How to enable global trades at the micro level. We examined the promise of open banking, the potential of decentralised finance and assess the current state of challenger banks. Specifically, I provided insights from the FinTrust project and working with our industry partner, Atom Bank (challenger bank) and the anticipated progression of the research in producing an Ethical Toolkit for the sector.
Year(s) Of Engagement Activity 2020
URL http://www.youtube.com/watch?v=VmB0nCPyqLk&t=5s
 
Description Corporate Digital Responsibility 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Industry/Business
Results and Impact Assisted in creating this movement to advocate organisations including Corporate Digital Responsibility (CDR) as a sub-set of Corporate Social Responsibility (CSR) to ensure that the organisation has the ability, benevolence and integrity to treat citizen's data in an ethical and responsible manner across social, economic, environmental and trust (technical) domains. This work (see URL - named on 'friends' page) below includes collaboration with Michael Wade and Tony Fish (MIT) and global academics/practitioners. The group have produced podcasts and gathered global information.

I have submitted an abstract to Nature (Springers) call for AI & Society - detailing the principles of CDR, including collaborating with a Technical Lawyer to discuss legal implications of AI.
Year(s) Of Engagement Activity 2020
URL https://corporatedigitalresponsibility.co.uk
 
Description Corporate Digital Responsibility Workshop led by K Elliott 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact Requested to deliver one of the first workshops on CDR in the UK to practitioners to explain how the framework can assist navigating the difficulties of digitalisation and sustainability in Finclusion/FinTech.
Year(s) Of Engagement Activity 2021
URL https://technation.io/about-us/fintech-delivery-panel/finclusion-2021/
 
Description Covid-19, Mental Health, FinTech and Corporate Digital Responsibility 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Requested to form part of the conference discussing FinTech, Covid-19 and the FinTrust/Finclusion projects. As the conference was based in Jordan, this increased awareness of the research and an unusual collaboration paper led by Dr Becky Inkster which I formed part of the collaborating group (see publications) examining the 'Mental Health Tsunami' following Covid-19 and finances/FinTech solutions to assist vulnerable citizens.
Year(s) Of Engagement Activity 2021
URL https://www.ammanu.edu.jo/conf/En/Conf.aspx
 
Description Cyberfest - Is Cyber Crime a catalyst for change in banking? 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Industry/Business
Results and Impact CyberFest, the North East's largest cyber security festival is now in its third year, with ten events across the region throughout September. The aim of CyberFest is to raise awareness of cyber security activities across the region as part of our mission 'To Make the North East the place for cyber security.' Representatives from the banking and cyber security sector will be debating the motions for and against whether cyber crime is good for the banking sector. Aimed at: Financial sector, police, business ethics cyber security professionals.

Taking part in this debate enabled the sharing of highlights from the privacy and security of our FinTrust TIPS project - what are the requirements, how should the police for instance engage and collaborate to reduce crime in the region. The debate raised awareness of the project, outputs and collaboration across the region. As an active member of the NE FinTech Ecosystem, I liaise with updates on findings from our research.
Year(s) Of Engagement Activity 2020
URL https://www.youtube.com/watch?v=WAmtzYNjP7Q
 
Description DYNAMO '20 conference 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Industry/Business
Results and Impact A talk was presented titled 'FinTrust: A discussion of technical, social and ethical approaches to establish trust in FinTech' where audience members include stakeholders from third sector organisations, FinTech partners in the industry especially in the North East of United Kingdom.
Year(s) Of Engagement Activity 2020
 
Description Digiconasia Magazine Article on FinTech 
Form Of Engagement Activity A press release, press conference or response to a media enquiry/interview
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Raising the profile of the FinTrust project to an international audience in response to a media request to the university. Here, I provide research insights in relation to our deliverables surrounding the Ethical Toolkit. Responses by email were received.
Year(s) Of Engagement Activity 2020
URL https://www.digiconasia.net/features/uk-researchers-are-taking-a-deep-dive-on-building-digital-trust...
 
Description Digital identity: a focus on evolving use cases & risks Trustworthy digital infrastructure for identity systems workshop 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Invited to form part of a panel discussing the use-cases from the FinTrust and Finclusion projects - addressing the issues of the 'vulnerable customer' defined by the FCA Report (2020). I will discuss the development of a verifiable credentials prototype to help provide means of identification for those termed 'vulnerable'. In addition, I talk about our approach of working with Atom Bank to understand their customers, credit unions, charities/not-for-profit organisations (Aster Foundation, Inclusion Foundation), community banks and responsible lenders, garnering insights from broad perspective and giving a 'voice' to such sectors in designing prototypes. Likewise, the implications on the use of blockchain for identities, ethical AI, data and re-use of data for privacy and security purposes. Finally, links to new digital responsibilities - such as corporate digital responsibility for firms. This event will raise awareness of our projects and lead to further collaboration in demonstrating an interdisciplinary approach to solving societal issues.
Year(s) Of Engagement Activity 2021
URL https://www.turing.ac.uk/events/digital-identity-focus-evolving-use-cases-risks
 
Description Dr Ehsan Toreini: Talk (Secure and Resilient Systems), Newcastle School of Computing - Chain of Trust: Trustworthy AI 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Local
Primary Audience Professional Practitioners
Results and Impact Dr Toreini provided a talk to fellow social scientists on the recently accepted FinTrust paper "The relationship between trust in AI and trustworthy machine learning technologies" (ACM, see publications) and his presentation at the FAT conference in January 2020. The discussion focused on developing the 'Chain of Trust' conceptual model and developing trustworthy technologies for the FinTech sector.
Year(s) Of Engagement Activity 2020
URL https://www.ncl.ac.uk/computing/research/srs/
 
Description Dr Ehsan Toreini: Talk (Secure and Resilient Systems), Newcastle School of Computing - W3C (web standardization body) process 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Local
Primary Audience Professional Practitioners
Results and Impact Dr Toreini gave this talk to fellow computer scientists revealing insights into his work on the FinTrust project in relation to W3C.

Dr Toreini secured a lecturer position at Durham University.
Year(s) Of Engagement Activity 2020
URL https://www.ncl.ac.uk/computing/research/srs/
 
Description Dr Mhairi Aitken 23rd Sept 2020: "Why the Public Needs a Say in How Patient Data are Used for Covid-19 Responses" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact The global coronavirus pandemic has clearly demonstrated the great urgency to collect and use patient data effectively to understand, track and manage the spread of Covid-19. The value of patient data in this pandemic is undeniable, however considerations around how - and by whom - such data should be collected, accessed and used, and for what purposes, remain to be fully debated and resolved. In this webinar we will discuss the important role of public engagement to shape data practices and governance responses.
Year(s) Of Engagement Activity 2020
URL https://www.popdata.bc.ca/events/etu/webinar/PPDS_Sep23_2020
 
Description Dr Mhairi Aitken 3rd August 2020: Finance Innovation Lab event on Building Back Better for Financial Health 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact The Lab hosted an online event showcasing how Lab community members are helping to build back better from COVID-19. Following an event earlier this year showcasing community responses to the crisis, this event brought together 40 community members to hear from five financial health pioneers, including several Lab Fellows from our Financial Health Fellowship and winners of our For The Better award.
Year(s) Of Engagement Activity 2020
URL https://financeinnovationlab.org/building-back-better-for-financial-health/
 
Description Dr Mhairi Aitken delivered: "We Need To Talk About Alexa!" streamed live from The Stand Comedy Club in Edinburgh 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Public/other audiences
Results and Impact Dr Mhairi Aitken (Newcastle University) is in a tricky relationship. Things started brilliantly; Alexa moved in right away. She always listened; was always keen to help. But now Mhairi suspects Alexa may be talking about her behind her back. Is she just using her to maximise the profits of a tax-evading multi-national corporation? Maybe. But even so, Mhairi quite likes the perks of having Alexa in her life
Year(s) Of Engagement Activity 2020
URL https://ondemand.thestand.co.uk/Video/EGMEGL/the_cabaret_of_dangerous_ideas
 
Description Dr Mhairi Aitken delivered: A Digital Ethics Taster for the Institute of Coding (Newcastle University) 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact Dr Mhairi Aitken, Senior Research Asssociate at Newcastle University, will discuss Digital Ethics and how you can take a more ethical approach in your business.

Who this is for:

People involved in the creation of new digital tools, or those using extensive data
Anybody who wants to get a better understanding of the ethical implications of big data, algorithms and more
What you will learn:

What is ethics and how does it interface with digital
What are the practical implications of ethics in the digital context
Year(s) Of Engagement Activity 2020
URL https://nibe.org.uk/event/online-taster-session-digital-ethics/
 
Description Dr Mhairi Aitken delivered: CPD training, workshop on "Digital Ethics in Healthcare", to Faculty of Clinical Informatics 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Dr Aitken provided training and CPD: A foundation for beginners in Health Informatics designed to meet the needs of NHS and healthcare staff - suitable for Clinicians, Nurses, Pharmacists, IT personnel, Clinical Coders, and other healthcare professionals interested in learning about Health Informatics.
Year(s) Of Engagement Activity 2020
URL http://webstore.ncl.ac.uk/conferences-and-events/central-services/institute-of-coding-school-of-comp...
 
Description Dr Mhairi Aitken delivered: Data Ethics and Covid-19 for FCI 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact The session was Chaired by Nick Booth, Hon Treasurer at the Faculty of Clinical Informatics, and was presented by Dr. Mhairi Aitken. Mhairi is Senior Research Associate at Newcastle University, whose research examines social and ethical dimensions of digital innovation particularly relating to uses of data and AI.

Mhairi gave a fascinating presentation which first gave an overview of data ethics principles before moving on to specific examples related to COVID-19, including sharing data with supermarkets, the data platform developed with Palantir, Google and Microsoft, and the digital contact tracing app. The session concluded with an interesting discussion, with questions around the adoption and benefits of the contact tracing app, transparency around data, and if there are non-medical examples that the healthcare profession could look to.
Year(s) Of Engagement Activity 2020
URL https://facultyofclinicalinformatics.org.uk/blog/faculty-of-clinical-informatics-news-1/post/video-f...
 
Description Dr Mhairi Aitken delivered: Digital Research Ethics event: "The Urgency and Ethics of Moving Deliberative Research Online" (Newcastle University) 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Professional Practitioners
Results and Impact Following our keynote presentations there will be a number of short talks from colleagues here at Newcastle University - Dr Gabi Arrigoni, Dr Lauren Ackerman and Dr Mhairi Aitken. This will be followed by time for questions and discussion.
Year(s) Of Engagement Activity 2020
URL https://microsites.ncl.ac.uk/nubsstaffblog/2020/07/06/digital-research-ethics-event-16-july-2020-140...
 
Description Dr Mhairi Aitken participated 31st July 2020: ethical considerations around uses of patient data in response to COVID-19 (Swansea University) 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Policymakers/politicians
Results and Impact Discussion around ethical uses of data (no URL available).
Year(s) Of Engagement Activity 2020
 
Description Dr Mhairi Aitken presented DETIPS publication: Keeping it Human 18th September 2020 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Dr Aitken presented the FinTrust publication 'Keeping it Human' to the DETIPS conference (see publications).
Year(s) Of Engagement Activity 2020
URL https://detips2020.github.io/
 
Description Dr Mhairi Aitken: "Informatics in the Pub: Ethics and the (Re)Use of Data for Public Health" 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Media (as a channel to the public)
Results and Impact Dr Aitken performed this talk as part of Great North Care's series to make health and care information accessible for individual care, self-management, planning and research.
Year(s) Of Engagement Activity 2020
URL https://twitter.com/GreatNorthCare/status/1247164926155612162
 
Description Dr Mhairi Aitken: Blame it on the Algorithm 25th August 2020 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Public/other audiences
Results and Impact Dr Aitken create a blog on the stand-up show Blame it on the Algorithm.
Year(s) Of Engagement Activity 2020
URL https://medium.com/@mhairi.aitken/dont-blame-it-on-the-algorithm-344a615f5f91
 
Description Dr Mhairi Aitken: Future of Privacy Forum and Vrije Universiteit Brussel (VUB) on "Banking on Personal Data" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Future of Privacy Forum (FPF) and Vrije Universiteit Brussel (VUB) hosted a roundtable on open banking. Twenty subject-matter experts discussed some of the main challenges in banking and data protection law: consent and its various interpretations, (re)use and sharing of personal data, and interoperability. The European Data Protection Board (EDPB) has begun to address whether the unresolved questions can be answered. Aspects of these issues were highlighted in the roundtable.
Year(s) Of Engagement Activity 2020
URL https://fpf.org/blog/fpf-vub-roundtable-banking-on-personal-data/
 
Description Dr Mhairi Aitken: Guest Lecturer MSc in Practical Ethics, University of Oxford 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Postgraduate students
Results and Impact Dr Aitken presented details of the work undertaking in the FinTrust project and her prior work at Edinburgh University.
Year(s) Of Engagement Activity 2020
URL https://www.turing.ac.uk/people/research-fellows/mhairi-aitken
 
Description Dr Mhairi Aitken: Invited discussant at workshop at Rotterdam University, discussing the development of Discrete Choice Experiments around data practices in health research 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Dr Aitken was invited to discuss the FinTrust project and data ethics.

Dr Aitken secured a role as Ethics Fellow at the Turing Institute hence, entered by Dr Elliott and no URL can be found.
Year(s) Of Engagement Activity 2020
 
Description Dr Mhairi Aitken: contributed to The Conversation: Government algorithms are undermining democracy - let's open up their design to the people 
Form Of Engagement Activity A magazine, newsletter or online publication
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Algorithms appear to be in retreat in the UK - for now. Not only did national governments recently U-turn over their use of algorithms to assign the grades of school leavers, but numerous local authorities have also scrapped similar technology used to make decisions on benefits and other welfare services. In many of these cases, this was because the algorithms were found to lead to biased and unfair outcomes.
Year(s) Of Engagement Activity 2020
URL https://theconversation.com/government-algorithms-are-undermining-democracy-lets-open-up-their-desig...
 
Description Durham University Department of Computer Science, 2021 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Local
Primary Audience Undergraduate students
Results and Impact A talk is given titled ' Trust in AI: What makes a Trustworthy Chatbot?' to undergraduate students in the Durham University Department of Computer Science.
Year(s) Of Engagement Activity 2021
 
Description Durhma University's AI Day (Durham Business School student society), Presentation on Trust in AI 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Postgraduate students
Results and Impact Presentation to the Durham University student society on entrepreneurship, within their AI Day. Topic was trust and mistrust in AI.
Year(s) Of Engagement Activity 2019
 
Description Dynamo Conference 2020: Collaborating for Success 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact The FinTrust team took part in several aspects of the Conference from Prof van Moorsel appearing on a main panel to the FinTrust team led by Dr Karen Elliott discussing the aspects of the project; Chain of Trust for Trustworthy Technology; Fin Chat bots and a Social license to operate. The session was closed by Dr Mhairi Aitken presenting 'Blame it on the Algorithm' (see Dr Aitken's entries).
Year(s) Of Engagement Activity 2020
URL https://bdaily.co.uk/articles/2020/06/29/dynamos-online-conference-was-biggest-and-best
 
Description Eagle Labs presentation on Application of AI within Fraud: Detection, protection and Prosecution 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Professional Practitioners
Results and Impact Presentations from the FinTrust project team to an audience of industry and policy makers
Year(s) Of Engagement Activity 2019
 
Description Edinburgh University Design Informatics: Design for Data-Driven Products 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Postgraduate students
Results and Impact This webinar welcomed two speakers to explore the value of design within the many complicated parts of the digital economy. Glenn Smith, Founder and CEO of Roqqett, and Karen Elliott, Newcastle University, have deep experiences from building startups, managing digital transformation projects, and leading a responsible approach to innovation. Glenn and Karen are involved in projects (past and present) that forge new products and services that build value through an integrated approach to design, marketing and an innovative use of technology, but both recognise the challenges in enabling these 'cultures' to work together.

Following an introductory talk from Glenn on the need for design (more than ever) to drive the development of data-driven products and services, Karen responded by underlining the need for ethical frameworks that support transparency in a time when design can over simplify the flow of data and hide the bias of algorithms to achieve an easy to use product.

The aim was to broaden awareness of co-creation between industry and academia to inform solutions for an equitable digital society.
Year(s) Of Engagement Activity 2020
URL https://www.designinformatics.org/event/research-webinar-karen-elliot-glenn-smith/
 
Description EuroUSEC '20 conference 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact A talk was given titled 'Simulating the Effects of Social Presence on Trust, Privacy Concerns & Use Intentions in Automated Bots for Finance' to academics from around the world.
Year(s) Of Engagement Activity 2020
 
Description External Examiner University of Bradford MSc FinTech (Law) 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Appointed as an external examiner for this new Postgraduate Course premised on the work within the FinTrust project. I will be able to advise and give a broad overview from my knowledge and contacts, i.e. ethical AI, FinTech partners (Atom Bank, Durham), FinTech National Network and CDR group.
Year(s) Of Engagement Activity 2021
 
Description February 2019: Performed Dr Google Will See You Now! At the Edinburgh Futures Institute 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Postgraduate students
Results and Impact Talk and discussion hosted by the Edinburgh Futures Institute. Sparking discussions about the role of AI in healthcare and health research.
Year(s) Of Engagement Activity 2019
 
Description FinTech North: Financial Inclusion Form 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Invited member of the Financial Inclusion Forum to discuss the role of FinTech in moving towards and equitable digital society in assisting those deemed 'vulnerable' in a recent FCA report or on the periphery of the current financial system are assisted in become part of the digital era i.e. looking at verifiable credentials, appropriate lending and helping people out of the spiral of debt and poverty premium levelled on such services.

This event draws on insights from the FinTrust project and the recently linked Finclusion project where our team has secured funding from the Gates Foundation/Turing Institute to investigate verifiable credentials for vulnerable customers.
Year(s) Of Engagement Activity 2020
URL https://www.fintechnorth.uk/re-watch-write-up-fintech-north-financial-inclusion-forum/
 
Description FinTech for Schools Programme: Data and why you should care about who has it? 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Schools
Results and Impact I was asked based on the FinTrust project and ethical AI insights to provide a 'Masterclass' for School children on their personal data, privacy and security which forms part of Innovate Finance's FinTech for Schools Programme. This showcased the work in the project and broadened awareness of our work in the North East of England.
Year(s) Of Engagement Activity 2020
URL https://www.innovatefinance.com/masterclasses/
 
Description FinTech: Are we regulating humans or systems? 
Form Of Engagement Activity A magazine, newsletter or online publication
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact Stifel has been working with Jericho on an "Ethics of Disruption" programme and on the Tech sector more generally since early 2019. This roundtable is the first in a series of deeper dives exploring the changing landscape of AI, FinTech, Robotics and Regulatory Frameworks, particularly as we move towards Building Back Better.

I was asked to participate in the Roundtable series - giving insights from the FinTrust project and publications.
Year(s) Of Engagement Activity 2020
URL https://jerichochambers.com/fintech-are-we-regulating-humans-or-systems/
 
Description Financial Inclusion: A New Digital Responsibility 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Discussing financial inclusion, the poverty premium paid by vulnerable customers for financial services and how FinTech and CDR can offer mechanisms/solutions to assist in ensuring that we move towards an equitable digital society. Here, I shared the podcast with friend Kevin Telford who has worked to create the Global Open Finance Centre of Excellence (GoFCoE) at Edinburgh University with Prof Kevin Collins. The FinTrust works closely with GoFCoE across joint interests as this centre starts to use the funds awarded last year for research in Fintech, financial inclusion, open banking and CDR. This podcast will take FinTrust/Finclusion to new audiences and provoke organisations to engage with their new digital responsibilities.
Year(s) Of Engagement Activity 2021
URL https://corporatedigitalresponsibility.co.uk/podcasts
 
Description Finclusion: vulnerabilities, decisions & blockchain 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Discussed the role of technology specifically blockchain in unpacking issues for financial inclusion and vulnerable groups in society. Including the role of trust between parties, how trust manifests in the socio-technical environment and responsibility/governance around inclusive decision-making. The drawbacks of blockchain i.e., scaling issues and challenges to immutability. Raised awareness of the social impact of technologies with fellow academics and industry audiences.
Year(s) Of Engagement Activity 2022
URL https://www.eventbrite.co.uk/e/unblock-the-potential-of-blockchain-for-social-innovation-tickets-321...
 
Description Fintech Friday - The Impact of an Increasingly Cashless Society 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact Fintech Friday - The Impact of an Increasingly Cashless Society aims to answer:

Is a largely cashless society genuinely within reach or still a long way off? How can technology boost financial inclusion? What is the potential human cost to removing cash from society too early?

Speakers from: Fintech Power 50, ConsenSys, Barclaycard, Newcastle University, Deutsche Bank
Year(s) Of Engagement Activity 2020
URL https://www.youtube.com/watch?v=VVz63CLXmZ4
 
Description Fintech and the future of financial services Report for ESRC - invited contributor by Prof Alistair Milne (Loughborough) 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Policymakers/politicians
Results and Impact Fintech and the future of financial services (formed part of expert contributors). The past five years have seen an explosion of new financial technologies around the world, supporting the establishment of internet-only banks, the crowdfunding of both consumer lending and small business equity and debt, a range of innovative online and mobile-based payments and far-reaching change in business processes across the banking, insurance, investment advice and other financial services. The UK is a leading centre for these developments. These new technologies have the potential to correct the economic inefficiencies in financial services evident for example in high levels of margins and employee remuneration, all too frequent financial instabilities and the difficulties faced by many households and small businesses in accessing external finance or protecting themselves from risks of financial loss. This impact of these technological developments on financial services is a new area of research. This report identifies four broad research challenges within this new area:
• The possibilities for a technology-based restructuring of financial services
• The relationship between the new financial technologies and financial regulation
• Consumer attitudes to financial services and financial technology
• Technology and the governance and co-ordination of financial services
The outcome - feeding into ESRC Fintech related research calls/funds. In addition, cited in paper for The Crawford School of Public Policy is the Australian National University's public policy school, serving and influencing Australia, Asia and the Pacific through advanced policy research, graduate and executive education, and policy impact.
Year(s) Of Engagement Activity 2018
URL http://ideas.repec.org/p/een/camaaa/2019-18.html
 
Description Foreword to text Financial Technology: Case studies in Fintech innovation by Niels Pedersen 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Postgraduate students
Results and Impact Requested to write the Foreword by the author after reviewing the draft version for Kogan Page. This helps to highlight our work on the FinTrust project and will be read across different academic and professional contexts. I have received enquiries from such sectors following the recent publication of this text.
Year(s) Of Engagement Activity 2020
URL https://www.koganpage.com/product/financial-technology-9781789665437
 
Description Guest lecturer for FinTech module in Ireland 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Postgraduate students
Results and Impact Discussed qualitative methodologies used in FinTrust research and how to ensure that the work is robust.
Year(s) Of Engagement Activity 2021
 
Description In Tech we trust? Article in the NE Times 
Form Of Engagement Activity A press release, press conference or response to a media enquiry/interview
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Media (as a channel to the public)
Results and Impact Discussion on the impact and research objectives of the FinTrust project; unintended bias in data and the algorithms that analyse that data is a concern. As is the potential for surreptitious analysis through semantics. Who is checking the machines' behaviour? An education feature included in this publication highlighting Newcastle University's research.
Year(s) Of Engagement Activity 2020
URL https://netimesmagazine.co.uk/wp-content/uploads/2020/03/NET-March-2020-WEB.pdf
 
Description Innovate Finance National Fintech week - London May 2022 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Moderator for Consumer Privacy: Trust takes centre stage with Scott Farrell - part of the lead event to interview Scott Farrell on his work. This led to further invites to discuss data and digital ethics, privacy and security talks at events. This had a broad reach as this is the key event in Fintech week in London opened by John Glen MP.
Year(s) Of Engagement Activity 2022
URL https://3uod9o1mwhxq2mq5mw2s6gsc-wpengine.netdna-ssl.com/wp-content/uploads/2022/03/IFGS-2022-Combin...
 
Description Interviewing Women in Agile: Karen Elliott 
Form Of Engagement Activity A magazine, newsletter or online publication
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact To Celebrate International Women's Day, I was invited to contribute to this feature with other key women in the Agile Community. This was posted on the Consortium's website for their audience. Following this post, I received email contacts and discussions of promoting agile thinking with HEI education. Pre-lockdown the opportunity to receive funds in the NE to set up an Agile centre of excellence - this was halted because of the pandemic.

In this interview, we have Dr Karen Elliott. Karen is a Senior Lecturer at Newcastle University Business School and is passionate about 'FinTech'. As a 'pracademic' (mixture of theory, practice and agility) she draws on industry and academic insights, starting at Durham University. Karen's current £1.2m EPSRC grant with computer science/Atom Bank examines trust, ethics and agility in FinTech/AI.
Year(s) Of Engagement Activity 2020
URL https://www.agilebusiness.org/news/491992/Interviewing-Women-in-Agile-Karen-Elliott.htm
 
Description Invited UKRI panel member to discuss the future of FinTech research 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Other audiences
Results and Impact UKRI was seeking a better understanding of the challenges faced by Fintech companies and the Financial Services sector, to inform possible future public interventions. The workshop will seek input from a broad set of stakeholders across the Financial Services and Fintech ecosystem, exploring the current landscape, barriers to research, innovation, and adoption, as well as future directions and opportunities. My expertise was requested to shape the output.
Year(s) Of Engagement Activity 2021
URL https://ktn-uk.org/events/ukri-fintech-national-workshop-hosted-by-ai-for-services/
 
Description Invited lecture at Northumbria University 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Local
Primary Audience Undergraduate students
Results and Impact I gave an invited lecture on Data Security and Governance for Blockchain Technologies at Northumbria University for the module "Data Security and Governance". The lecture focused on Decentralised Finance and Digital Identities.
Year(s) Of Engagement Activity 2022
URL https://www.northumbria.ac.uk/study-at-northumbria/courses/bsc-hons-computer-science-uuscms1?modules...
 
Description Invited member of Durham University's mentor scheme for students 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Postgraduate students
Results and Impact Requested by my former institution to become a mentor for the leadership programme and advise students on how to progress in academia and industry objectives.
Year(s) Of Engagement Activity 2021
URL https://www.durham.ac.uk/colleges-and-student-experience/enrichment-activities/durham-leadership-fra...
 
Description Invited member of Mastercard EPA event 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact Mastercard engaged in terms of the outputs from the FinTrust project surrounding trustworthy technology and the future of financial inclusion via responsbile use of credit for those in vulnerable financial positions.
Year(s) Of Engagement Activity 2021
URL https://www.emergingpayments.org/events/we-need-to-talk-about-credit/
 
Description Invited panel member of the FinTech Powerhouse 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Invited member to discuss the FinTrust research, digital ethics and financial inclusion.
Year(s) Of Engagement Activity 2021
URL https://www.stakeholderz.com/
 
Description Invited talk at the Human-Centred Computing seminar at the University of Birmingham 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Local
Primary Audience Postgraduate students
Results and Impact I gave a talk discussing Human-Centred Design of Digital Identity technologies.
Year(s) Of Engagement Activity 2023
 
Description Is the introduction of the Consumer Duty Standards sufficient to understand and include vulnerable financial customers? 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Asked by SWIFT to set a 60-second ethical challenge around the new Consumer Duty legislation as part of an expert ethical panel. Further work as part of the CFIT centre to be launched in 2023.
Year(s) Of Engagement Activity 2022
 
Description Journal of Cybersecurity 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Asked to review for this journal as a Social Scientist to add to their group of members in relation to risk, ethical AI and society. This is premised on my industry experience prior to becoming an academic (change and risk programme manager and lecture in programme/project management skills for the Future of Work).
Year(s) Of Engagement Activity 2020
URL https://academic.oup.com/cybersecurity
 
Description Judge for Dynamites Innovation competition in the North East 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Professional Practitioners
Results and Impact Requested to be a judge to evaluate the innovation projects from companies across the region. Attended event in November to celebrate regional success.
Year(s) Of Engagement Activity 2021
URL http://netimesmagazine.co.uk/business/regions-tech-stars-recognised-at-dynamites-21-awards/#:~:text=...
 
Description Keynote speaker at FinTech North Conference held at Sage 25th September 2019 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact Presented own keynote on the FinTrust project and formed part of key panel with Mark Mullen CEO Atom Bank our partners in the project. >350 delegates from the region and nationally including FinTech Scotland and Innovate Finance (London) FinTech membership bodies which led to working in the National FinTech Network. In addition, working with such bodies at a local and national level.
Year(s) Of Engagement Activity 2019
URL https://www.finextra.com/pressarticle/79667/north-east-uk-prepares-for-fintech-conference
 
Description Keynote speech: Consumer Duty and vulnerable customers 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact Discussing the issues of inclusion when using financial technologies in relation to the FCA's new Consumer Duty for vulnerable customers legislation which would be implemented between October 2022-24. Impact from this event, invited to collaborate with government around the development of the Centre for Finance, Innovation and Technology (CFIT) to be launched in 2023.
Year(s) Of Engagement Activity 2022
URL https://www.fintechwest.co.uk/news/fintech-west-amp-ey-seminar-175-consumer-duty-amp-vulnerable-cust...
 
Description Libra Blockchain workshop 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Professional Practitioners
Results and Impact A discussion about the social impact of the Libra blockchain (initiative led by Facebook)
Year(s) Of Engagement Activity 2019
 
Description Mind the gap! Is the Payments Digital Divide shrinking or growing? 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Continued work with Worldline and their global scientific community. We produced a report including a survey tool that was co-designed with Wordline to capture the digital divide. Wordline at the 4th largest payment fintech in the world.
Year(s) Of Engagement Activity 2022
URL https://www.youtube.com/watch?v=lPj-lc__cKk&list=PL5FwuaQQZbv8Y2qsWFkjrQ7VFrucbgzOY&index=17&t=963s
 
Description North East Fraud Forum, presentation on Crime and Cryptocurrencies 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Regional
Primary Audience Professional Practitioners
Results and Impact Presentation at Virgin Money to members of the North-East Fraud Forum (police, banks, etc), ont he topic of blockchain and associated crime..
Year(s) Of Engagement Activity 2019
 
Description NutureyourZest Podcast on Financial Resilience: COVID-19 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact In collaboration with Grant Murray - Regional Lead for xe.com we discussed the following: The impact the Coronavirus is having on the global economy, with HUGE impacts on financial markets, as investors lost around 30% on their investments within the last week; Which sectors are most vulnerable? The supply and demand issues facing the economy, and impact on exports; The 'Amygdala Hijack' and why (and what) people panic buy; The dark side of entrepreneurship and the opportunities which may come out of this disaster?

A broad range of listeners for this podcast and led to being invited to several other podcasts (see further entries in engagements).
Year(s) Of Engagement Activity 2020
URL https://www.nurtureyourzest.com/podcast/grant-and-karen
 
Description Open Banking Excellence - blog 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Requested to submit a blog discussing complexity perspectives and how open banking was helping citizens navigate financial systems and technology (FinTech).
Year(s) Of Engagement Activity 2021
URL https://www.openbankingexcellence.org/blog/open-banking-complexity-and-future-shared-ecosystems/
 
Description Open Banking World Congress 2019 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Invited as panel member for "Financial Inclusion Panel - How will Open Banking benefit the poor & unbanked and what will this mean for the finance sector? Led by Kevin Telford, Consultant, ThoughtWorks (now GoFCoE). Discussing the FinTrust project in examining our role in addressing this topic via exploring trust in financial technology and services.
Year(s) Of Engagement Activity 2019
URL http://www.openbankingworldcongress.com
 
Description Participation in the SPRITE+ Sandpit on Future Digital Identity 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Other audiences
Results and Impact SPRITE+ is the EPSRC-funded (grant reference EP/S035869/1) NetworkPlus for Trust, Identity, Privacy, and Security (TIPS). We work with academic and non-academic stakeholders to build and strengthen the TIPS community and identify requirements and promising new directions for research. We have a 'pump-priming' budget to fund activities that explore and test new ideas, and that create new collaborations between academic disciplines, and between academic and non-academic partners.
Year(s) Of Engagement Activity 2023
URL https://spritehub.org/2022/09/16/call-for-participants-third-annual-sprite-sandpit/
 
Description Plymouth International Virtual Dementia Conference 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Invited to discuss my position on the Prime Ministers Challenge Group, output from FinTrust including digital and financial inclusion, broadcast with BBC led by Mr Ian Sherriff at Plymouth University.
Year(s) Of Engagement Activity 2021
URL https://www.plymouth.ac.uk/research/voyage/plymouth-dementia-conference
 
Description PodCast Cyber Security North 
Form Of Engagement Activity A press release, press conference or response to a media enquiry/interview
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact Investigator interviewed about research and working at a University, in the topic of cyber security and related to FinTech. Published in the form of a PodCast
Year(s) Of Engagement Activity 2022
URL https://www.youtube.com/watch?v=BmjBCEkQy0w
 
Description Poster presentation at the Turing Trustworthy Digital Identity Conference 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Presentation of a poster titled "Verifiable Credentials for Financial Inclusion".
Year(s) Of Engagement Activity 2021
URL https://www.turing.ac.uk/events/turing-trustworthy-digital-identity-conference
 
Description Presentation and participation in the workshop "Designing for New Forms of Vulnerability" at CHI 2021 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Presentation of our work on Digital Identities for vulnerable consumers in finance. Participation in discussion around designing technologies for vulnerable populations and collaborative development of a zine.
Year(s) Of Engagement Activity 2021
URL https://www.thenewvulnerable.com/
 
Description Purpose & Resilience Worldline Roundtable Series 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact The digital panel series looking at how businesses have pivoted through enabling technologies and explore what purpose means to the consumer. From Goats on Zoom to the future of retail. This episode was hosted by Worldline's Nigel Thorley who was joined on the panel with Dr Karen Elliott, Ben Brabyn and Dr Chris Wagstaff.

We discussed financial resilience, AI-enabled technologies, ethical AI and outputs from the FinTrust project in a broader context. This webinar served to raise awareness of the event, the research projects and AI-enabled technologies. (Blog: https://www.linkedin.com/pulse/what-do-aerosmith-musk-donne-mandela-have-common-nigel-thorley/)
Year(s) Of Engagement Activity 2020
URL https://www.brighttalk.com/webcast/18085/438276?utm_source=brighttalk-portal&utm_medium=web&utm_cont...
 
Description Regulating AI, the risks and challenges for citizens, policymakers and police authorities [invited speaker] 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact Invited by the Institute of Hazard, Risk and Resilience (IHRR), Durham University to discuss this topic - the content includes:
Public controversies around data misuse and unfairness relative to AI, have focused attention on the risks in organisations adopting AI-enabled technologies for innovation?a socio-technical focus is required.
A key criticism of AI is that it is typically a "Black-Box" - therefore requires greater transparency for ethical, moral, and legal risk and regulation decision-making processes.
We need to think carefully about such risks:
How we implement these algorithms/AI-enabled technologies in practice;
The delegation of decisions in the absence of human oversight, and;
Consider complexity to manage risk and implementing AI regulation.
Catastrophic (predicted) risks of not addressing socio-technical AI.
The roles of Explainable AI (XAI) and Corporate Digital Responsibility (CDR).

This event is part of a series run by the IHRR by invitation only and receives over 200 attendees. I remained on the call following the presentation to discuss risk with students at Durham University (at their request).
Year(s) Of Engagement Activity 2020
URL https://www.dur.ac.uk/ihrr/about/events/?eventno=47602
 
Description Requested member of the Hilda Project - examining women's experiences of financial services 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact Capturing the experiences of women across their lifecycles to examine barriers to financial inclusion and highlight bias in current systems such as credit scoring system linked to the FinTrust project.
Year(s) Of Engagement Activity 2021
URL http://tellyourstory@hildaproject.org
 
Description TEDx Talk on mental wellbeing, finances and health 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Media (as a channel to the public)
Results and Impact In conjunction with a colleague from industry, discussed outputs from FinTrust as part of the TEDx format surrounding the issues of mental health and linked to a separate publications with Cambridge University concerning the mental health tsnuami envisaged following Covid-19.
Year(s) Of Engagement Activity 2021
URL https://hopin.com/events/tedxnewcastleuniversity-imagine-a-world?ref=e52d9128d14c#booths
 
Description Tech Nation Finclusion week 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact Invited as panel member during a broadcast for the governments Tech Nation to promote the outputs from FinTrust and promoting CDR, finclusion and responsible innovation.
Year(s) Of Engagement Activity 2021
URL https://technation.io/about-us/fintech-delivery-panel/finclusion-2021/
 
Description Tech Nation Panellist - Report 2020 what does this mean for the NE? 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Industry/Business
Results and Impact Commentary on the latest stats and insights from the North East tech scene.
Tech Nation Talks: North East, including insight from some of the region's industry experts, including:

Pete Daykin, Co-founder & CEO, Wordnerds
Karen Elliott, Senior Lecturer in Enterprise & Innovation, Newcastle University Business School
Gilbert Corrales, Co-founder, Leaf Grow

We reviewed the latest Tech Nation Report in the context of the impacts and opportunities for the North East Tech Ecosystem. The audience included a mixture of practitioners and academics/students. Questions and discussion continued via email and social media.
Year(s) Of Engagement Activity 2020
URL https://technation.io/north-east-live/
 
Description Tech UK Sustainability in Finance - part of Newcastle Cop26 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact Discussing FinTrust outputs and financial inclusion combined with corporate digital responsibility across society, the economy and environmental systems.
Year(s) Of Engagement Activity 2021
URL https://www.techuk.org/what-we-deliver/events/fintech-sustainable-city-conference.html
 
Description The Kalifa Review of UK FinTech Report for the Government - 26 February 2021 
Form Of Engagement Activity A formal working group, expert panel or dialogue
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Policymakers/politicians
Results and Impact The Kalifa Review of UK Fintech, is a strategy and a delivery model in examining what leadership is required for the fintech sector. The objective if to create a comprehensive, coordinated and focused strategy with recommendations from a variety of experts in the field. Identifying the capital and skills fintechs need to succeed, combined with world-leading policy and regulation. Of importance for FinTrust, was the focus on building on the UKs reputation for trusted regulation and the rule of law and ensuring that the UK builds trust in this new wave of tech-enabled products and services.

I was asked to contribute to the report, see my quote on page 49 in relation to our work and developing the skills fintechs need from our students and thus, our programmes.
Year(s) Of Engagement Activity 2021
URL https://www.gov.uk/government/publications/the-kalifa-review-of-uk-fintech
 
Description Upfront Podcast on Financial Inclusion 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact Based on the FinTrust project and how technology has a role to play in driving financial inclusion, I was asked to contribute to this series of podcasts.
Year(s) Of Engagement Activity 2022
URL https://www.youtube.com/watch?v=6-HMGBsOARY
 
Description We are Tech Women: Corporate Digital Responsibility and Financial Inclusion 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact We are Tech Women founded in 2015 aims to help and support women working in technology to maximise their potential. Presenting our work from FinTrust and CDR broadens the impact of our work and supports women to study STEM subjects.
Year(s) Of Engagement Activity 2022
URL https://wearetechwomen.com/portfolio/karen-elliott-associate-professor-in-fintech-newcastle-universi...
 
Description Worldline - A Glimpse of the Future: Navigating Future Payments 
Form Of Engagement Activity A broadcast e.g. TV/radio/film/podcast (other than news/press)
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Professional Practitioners
Results and Impact Invited speaker to discuss the FinTrust project, digital ethics, CDR and the future of payments. This led to co-designing Worldline's digital payments and divide survey completed in December 2021.
Year(s) Of Engagement Activity 2021
URL https://www.youtube.com/watch?v=XgyKIKrNiXE