Data Privacy Protection in News Crowdfunding in the Era of Artificial Intelligence

This paper aims to study the protection of data privacy in news crowdfunding in the era of artificial intelligence. This paper respectively quotes the encryption algorithm of artificial intelligence data protection and the BP neural network prediction model to analyze the data privacy protection in news crowdfunding in the artificial intelligence era. Finally, this paper also combines the questionnaire survey method to understand the public’s awareness of privacy. The results of this paper show that artificial intelligence can promote personal data awareness and privacy, improve personal data and privacy measures and methods, and improve the effectiveness and level of privacy and privacy. In the analysis, the survey found that male college students only have 81.1% of the cognition of personal trait information, only 78.5% of network trace information, and only 78.3% of female college students’ cognition of personal credit.

Decentralising Personal Credit Score

The current process of securing a loan involves a cumbersome know-your-customer (KYC) process. The process also raises a question about the ownership of credit scores. In this chapter, the authors propose a solution based on a combination of decentralized identifier (DID) W3C blockchain and cryptographic wallet to make it possible to make credit scores possible. A decentralized identifier to enable a loan applicant to assert who he/she is without relying on a centralized identity issuer is key to enabling loan applicants to own his/her own credit score. The use of blockchain is to enable loan applicants to have his/her identity recorded immutably on a store that is trusted by all parties. Finally, the use of a cryptographic wallet is to enable loan applicants to assert identities on demand and prove his/her assertion.

A Review of the Psychological Factors Affecting the Acquisition and Outcomes of Credit

Since their introduction in the 1980s, credit scores have been the dominant method used to assess the creditworthiness of individuals. However, they rely heavily on situational factors which may lead to good long term borrowers being denied due to unfortunate recent circumstances. Instead, there is emerging evidence that a number of psychological factors including personality traits, attitudes and behaviours play an important role in the acquisition and outcomes of credit. Taking account of these factors may provide a better picture of the long term creditworthiness of individuals, despite their current circumstances. This review paper takes the important step of collating the latest research on the psychological factors involved throughout the credit process from acquisition to financial outcomes. It highlights the multifaceted nature of personal credit use with the various inextricably linked personality, attitudinal and behavioural factors involved

Personal Credit and Financial Vulnerability

Rather than a narrow focus on risk of default, this paper advocates for lenders to take a broader data-led approach to tackling the challenges posed by financial vulnerability due to its latent and transient nature. Earlier identification and intervention when customers are experiencing financial hardship may help prevent default. Firstly, we consider how macro and micro data sources, in combination with emerging theoretical frameworks that conceptualise financial vulnerability, could be used by lenders for earlier identification of vulnerable customers. Secondly, we look at tailored interventions that could help financially vulnerable consumers once they have been identified, with passive and active methods inspired by protective efforts currently underway within the gambling industry. Lastly, when consumers do enter the arrears process, we highlight how lenders have a responsibility to help mitigate cognitive biases and promote behaviours that will help consumers escape perpetual debt.

Significant Role of Trust and Distrust in Social Simulation

This paper introduces the Trust-Distrust Model and its applications, extending the Bounded Confidence Model, a theory of opinion dynamics, to include the relationship between trust and mistrust. In recent years, there has been an increase in the number of cases in which the prerequisites for conventional communication (e.g., the other person’s gender, appearance, tone of voice, etc.) cannot be established without the exchange of personal information. However, in recent years, there has been an increase in the use of personal information, such as letters and pictograms “as cryptographic asset data” for two-way communication. However, there are advantages and disadvantages to using information assets in the form of personalized data, which are excerpts of personal information as described above. In the future, the discussion of trust value in the above data will accelerate in indicators such as personal credit scoring. In this paper, the Trust-Distrust Model will be discussed with respect to theories that also address charismatic people, the effects of advertising, and social divisions. Furthermore, simulations of the Trust-Distrust Model show that 55% agreement is sufficient to build social consensus. By addressing this theory, we hope to use it to discuss and predict social risk in future credit scoring discussions.

Credit Risk Management for College Students: An Analysis of Influencing Factors Based on 5C Approach

This paper focuses on the construction of college students' credit evaluation system and credit risk management under the background of big data. Firstly, based on the 5C approach, this paper evaluates the personal credit of college students from 5 dimensions and 24 indicators, which finally contribute to the establishment of the credit evaluation system for college students. Then, the partial least squares method is used to build the structural equation model to evaluate the effectiveness of the credit evaluation system for college students. According to the in-depth analysis of PSL-SEM, the factors that affect the credit risk of college students are effectively evaluated, and it has contributed to the establishment and improvement of the credit system of college students. Keywords: Personal Credit, Credit Evaluation, Credit Risk, 5C Approach, PLS-SEM.