Finance Today

Finance Today

Cao, L. (2022a). AI in finance: Challenges, techniques, and opportunities. ACM Computing Surveys, 55(3), 1–38. https://doi.org/10.1145/3502289

The article is a review that discusses how artificial intelligence (AI) is being used in the financial industry. It outlines the issues, solutions, and challenges AIDS research faces in the financial industry. Data-driven analytics, machine learning, and a comparison of traditional and contemporary AIDS approaches in banking are some of the subjects covered in the essay. In order to conclude, it highlights the difficulties yet unresolved and possible future developments in AI-powered finance and AI research driven by the financial sector. Subsequently, the article thoroughly reviews AI applications in finance, covering various themes and issues based on the synopsis. However, its applicability in some situations may be constrained by the absence of precise information about the research investigation and outcomes.

Comparing this source to the other sources in my article, Zetzsche, Arner, and Buckley’s study concentrates on decentralized finance (DeFi), offering insights into its idea and regulation and maybe presenting a more pragmatic approach. Schueffel’s paper, on the other hand, seems to present an introduction and summary of DeFi. The current source, in contrast, focuses on the uses of AI in finance, stressing the historical context, difficulties, and potential.   The source may be very helpful in the financial argument, especially if when investigating how AI and money interact since it covers various issues relating to AI applications in the finance industry, which will offer a helpful background.

Zetzsche, D. A., Arner, D. W., & Buckley, R. P. (2020). Decentralized finance. Journal of Financial Regulation, 6(2), 172–203. https://doi.org/10.1093/jfr/fjaa010

Decentralized finance (DeFi), a new technical development in the worldwide finance industry, is briefly discussed in the source. It highlights how little is known about the definition, ramifications for the law, and policy implications of DeFi. The paper examines the idea of decentralization and its possible impacts on established financial and accountability systems. Consistently, the essay does not contain its unique research findings and is an analytical piece that investigates and discusses several facets of DeFi and its effects on the financial industry.

With an introduction, an overview, and policy issues, the source by Schueffel (2021) concentrates exclusively on DeFi. In contrast, Cao’s (2022) source covers prospects, problems, and a more comprehensive discussion of AI in finance. The source will be helpful for the discussion on finance, especially when considering the concept of DeFi and its potential impacts on the banking industry. The necessity for regulation despite DeFi’s decentralized structure is also discussed, along with how DeFi is seen in relation to traditional finance.

Schueffel, P. (2021). Defi: Decentralized finance – an introduction and overview. Journal of Innovation Management, 9(3). https://doi.org/10.24840/2183-0606_009.003_0001

The author describes decentralized finance (DeFi) as a new paradigm in the fintech industry that enables the creation, distribution, and usage of financial services without the need for centralized intermediaries like banks or insurers. DeFi intends to make financial transactions between users easier without introducing counterparty risk using a peer-to-peer network. Furthermore, the site offers a detailed summary and analysis of DeFi, its traits, and its growth indicators. As a result, rather than being a main source of actual data, it may be viewed as commentary or an opinion article.

This source, as opposed to sources like Cao (2022) and Zetzsche et al. (2020), is primarily concerned with providing an overview of DeFi and its growth metrics. While Zetzsche et al. (2020) explicitly address decentralized finance (DeFi) in the context of financial regulation, Cao (2022) explores AI in finance in a broader sense, encompassing issues, methodologies, and prospects in the field of finance. The source may be helpful in the discussion of money, especially concerning DeFi and how it affects the banking sector. It summarizes DeFi’s salient characteristics and development markers, which can be a starting point for more in-depth research and debate.

Bollaert, H., Lopez-de-Silanes, F., & Schwienbacher, A. (2021). Fintech and access to finance. Journal of corporate finance, 68, 101941.

The article talks about how the financial markets have been affected by digitization and how it has challenged preconceived notions of intermediation. It names elements influencing market results conventionally, such as knowledge asymmetry, agency issues, and challenges in distributing control rights. New technologies are introduced by the digitization of finance, which might help businesses access more funding and provide investors with more options. To follow this, the source seems to be an analytical piece that provides information about how digitalization has affected financial markets. It offers a conceptual framework and groups the many technologies that are changing financial intermediation.

This source adopts a more theoretical approach in contrast to the other sources in my study, including Cao (2022) and Zetzsche et al. (2020). It concentrates on the effects of digitalization on financial intermediation and the development of new technologies. At the same time, Cao (2022) discusses the difficulties, methods, and opportunities of AI in finance, and Zetzsche et al. (2020) address decentralized finance (DeFi) specifically in the context of financial regulation. When examining the impact of digitization on financial markets and the evolving nature of financial intermediation, the source might be helpful for the discussion on finance. Additionally, it offers a conceptual framework for comprehending various technologies and their ramifications.

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In preparation for writing each of your Discussions, you should submit your Annotated Bibliography Assignment on the topic that is being covered for the week (Marketing, Accounting, ***Finance***, Management, Economic Data Analysis, International Business).

Instructions
An annotated bibliography is a list of sources (books, journals, Web sites, periodicals, etc.) one has used for researching a topic (Annotated Bibliographies, 2020).
For all sources used in your Discussion, you should:
• Provide an APA formatted Citation (this should look like what you would include in a normal reference section.
• Summarize the source and discuss the research study that was conducted and what the findings were.
• Assess the source and discuss how useful it is and how it compares with other sources in your paper.
• Reflect on how the source will be useful to you in your discussion. How does it help to shape your argument and how are you using it to shape your writing?
Each annotation should look like this:

Author (year). Title of article. Title of Journal, Vol no(issue). Pg to pg.

In your summary, you will begin with a discussion of the research question the study is attempting to answer. You will summarize the research that was conducted and the specific findings that were uncovered. You will then provide a summary of what this means for the topic.
Next, you will discuss how the source compares with other sources in your paper and how useful is the source in attributing to your writing.
Finally, you will discuss how the source is useful in your discussion. You will need to be specific on why it is important to use and exactly how you will use it in your writing to shape your arguments.
*Do not use “I” in any of the annotations.
Note: Your assignment will be checked for originality via the Turnitin plagiarism tool.