From Machine Learning to Artificial Intelligence: The Modern Machine Intelligence Approach for Financial and Economic Inclusion (從機器學習到人工智慧：現代機器智能在金融與經濟包容中的應用)

Musleh Al-Sartawi, Abdalmuttaleb M. a., Al-Okaily, Manaf, Al-Qudah, Anas Ali

From Machine Learning to Artificial Intelligence: The Modern Machine Intelligence Approach for Financial and Economic Inclusion
  • 出版商: Springer
  • 出版日期: 2025-02-11
  • 售價: $8,730
  • 貴賓價: 9.5 折 $8,294
  • 語言: 英文
  • 頁數: 1690
  • 裝訂: Hardcover - also called cloth, retail trade, or trade
  • ISBN: 3031760107
  • ISBN-13: 9783031760105
  • 相關分類: 人工智慧、Machine Learning

    • 尚未上市，無法訂購

相關主題

商品描述

The world is on a cusp of something great. Technology has advanced from solving simple issues to complex issues in both human life and other aspects such as social, economic, and environmental issues. The significance of machine intelligence as a tool to propel human as well as economic development is an important and hot topic today. This book is about how modern machine intelligence, AI, and machine learning applications can be used by governments and firms for financial and economic inclusion, as well as for providing solutions to bridge the digital divide. It aims to cover philosophical discussions, frameworks, and applications on central topics in machine intelligence, deep learning, mesh networks, frugal engineering, frugal innovation, blockchain technology, alternate networks, and intelligent digital financial inclusion system architectures. This book also aims to discuss the initiatives, policies, strategies, and governance issues related to furnishing technologies for technology access, financial inclusion and in turn economic growth.

Financial inclusion is defined as the proportion of people and corporations that use financial services. It further describes the fair, equal, and attainable access to financial services (Rawat et al., 2023). Financial inclusion is key to economic inclusion and economic growth as it enables the poor to improve their lives. Chapters in the book will improve our understanding of the advances and challenges of applying machine intelligence for financial inclusion and economic growth in different contexts including financial markets, governments, and corporations in both developing and developed countries. Access to financial services is essential to development efforts of markets, economies and eventually societies. Hence, in this context, financial inclusion can be explained as the process of ensuring that individuals particular impoverished people have access to essential financial services in the formal financial sector. Financial inclusion, recently, has been receiving traction from scholars and policymakers whereby it is one of the major strategies used by economies and societies in achieving UN's sustainable development goals. Rawat et al. (2023) argues that it is vital to increase the use of "low-cost digital methods" for the economically marginalized and under-served people and sectors. There is a need for financial inclusion for the rapidly dynamic Industry 4.0. Therefore, linking technology, more particularly machine intelligence with financial inclusion and technology access is quite crucial given the current technological environment. Additionally, financial inclusion helps in enhancing the level of economic and social inclusion in many societies and developing countries as well as help in reducing poverty levels. Policy makers in several countries continue to commit significant resources and technologies to increase the level of financial inclusion in their countries to reduce financial exclusion. In developing countries, financial inclusion remains below potential in part due to the digital divide, limited technology access and the challenge for financial institutions in developing products for the low-income mass market (Hook IV, 2019; Marimuthu et al., 2022).

These matters are important topics to be researched and discussed, especially with the advancement of technology such as artificial intelligence, machine learning, blockchain, business intelligence, online education, in the current post-pandemic environment which catalysed these digital transformations. Therefore, this book has been proposed to discuss a very important and emerging topics which contributes significantly to policy and the SDGs in the digital economy.

商品描述(中文翻譯)

世界正處於一個偉大的轉折點。科技已經從解決簡單問題發展到解決人類生活及社會、經濟和環境等複雜問題。機器智能作為推動人類及經濟發展的工具，其重要性成為當今的一個熱門話題。本書探討現代機器智能、人工智慧（AI）和機器學習應用如何被政府和企業用於金融和經濟包容，以及提供解決方案以縮小數位鴻溝。書中旨在涵蓋有關機器智能、深度學習、網狀網路、節約工程、節約創新、區塊鏈技術、替代網路和智能數位金融包容系統架構的哲學討論、框架和應用。本書還旨在討論與提供技術以促進技術接入、金融包容及進而促進經濟增長相關的倡議、政策、策略和治理問題。

金融包容被定義為使用金融服務的人和企業的比例。它進一步描述了公平、平等和可達的金融服務接入（Rawat et al., 2023）。金融包容對於經濟包容和經濟增長至關重要，因為它使貧困者能夠改善生活。本書的各章將增進我們對於在不同背景下應用機器智能以促進金融包容和經濟增長的進展和挑戰的理解，包括金融市場、政府和發展中國家及已開發國家的企業。獲得金融服務對於市場、經濟及最終社會的發展努力至關重要。因此，在這個背景下，金融包容可以解釋為確保個人，特別是貧困人群能夠在正式金融部門獲得基本金融服務的過程。最近，金融包容受到學者和政策制定者的重視，成為經濟和社會實現聯合國可持續發展目標的主要策略之一。Rawat et al.（2023）認為，對於經濟邊緣化和服務不足的人群及部門，增加“低成本數位方法”的使用至關重要。隨著快速變化的工業4.0，金融包容的需求愈加迫切。因此，將技術，特別是機器智能與金融包容和技術接入聯繫起來，在當前的技術環境中顯得尤為重要。此外，金融包容有助於提高許多社會和發展中國家的經濟和社會包容水平，並幫助減少貧困水平。許多國家的政策制定者持續投入大量資源和技術，以提高本國的金融包容水平，減少金融排斥。在發展中國家，由於數位鴻溝、有限的技術接入以及金融機構在為低收入大眾市場開發產品方面的挑戰，金融包容仍然未達到潛力（Hook IV, 2019; Marimuthu et al., 2022）。

這些問題是值得研究和討論的重要主題，特別是在當前後疫情環境中，人工智慧、機器學習、區塊鏈、商業智能和線上教育等技術的進步催化了這些數位轉型。因此，本書旨在討論一個非常重要且新興的主題，這對於數位經濟中的政策和可持續發展目標（SDGs）具有重要貢獻。

作者簡介

Abdalmuttaleb M.A. Musleh Al-Sartawi, Ph.D. is the Chairperson of the Accounting and Economics department, Editor-in-Chief of the International Journal of Electronic Banking (IJEBank). He received his PhD in Accounting, from UBFS. He has presented and published many papers in regional and international conferences and journals. He has chaired as well as served as a member in various editorial boards and technical committees in international refereed journals and conferences. He is the chair of various international conferences (ICGER and EAMMIS). In addition, he is the editor of 'The Big Data- Driven Digital Economy: Artificial and Computational Intelligence', in Studies in Computational Intelligence. He is a member of several international organizations and associations such as the European Accountants Association (EAA), the Bahrain Management Society, the Middle East Economic Association (MEEA), the International Islamic Marketing Association (IIMA), the Arab Academy for Banking and Financial Sciences, the Palestinian Accounting Association, and the Palestinian Farmers Association.

Manaf Al-Okaily serves as an Assistant Professor of Accounting Information Systems (AIS) at Jadara University, Irbid, Jordan. Al-Okaily earned his Doctor of Philosophy in AIS from University Malaysia Terengganu, Malaysia. His current research interest is in the domain of Digital Transformation in Accounting and Finance, Intelligent Accounting Systems, as well as FinTech Services Acceptance and Adoption. He published several scholarly articles in reputable international peer-reviewed journals such as Information Technology & People, Technology in Society, VINE Journal of Information and Knowledge Management Systems, EuroMed Journal of Business, Kybernetes and the TQM Journal. On top of that, he has reviewed several referred articles in highly ranked journals (e.g., Scopus and Clarivate Analytics).

Anas Ali Al-Qudah is Acting Dean ofFaculty of Business and Head of Accounting and Finance Department in Liwa College of Technology, Abu Dhabi UAE. Anas does research in Accounting, Finance, Social entrepreneurship, Sustainable development, and Economic growth. Also, he is leading some special issues in the Fintech field with some ranked Journals as a guest editor, in addition to his role as a reviewer in many ranked Journals (e.g., Scopus and Clarivate Analytics). Dr Anas has a PhD from Finance Faculty, the University of Banking and Financial Sciences, Jordan. He obtained his master's degree from Finance Faculty, University of Banking and Financial Sciences, and his bachelor's degree in accounting from the Faculty of Business, Muta University, Jordan. He has also supervised two PhD students in Jordan and Malaysia as a Co-Supervisor 2017, 2019 respectively. Dr Anas joined some international conferences around the world, USA, Jordan, Czech Republic, Lebanon, Italy, Morocco, Algeria and Saudi Arabia. Also, he has a certificate from Keesler centre (Mississippi State-USA) as a Financial Manager 2008.

作者簡介(中文翻譯)

Abdalmuttaleb M.A. Musleh Al-Sartawi, Ph.D. 是會計與經濟系的系主任，以及《國際電子銀行期刊》（International Journal of Electronic Banking, IJEBank）的主編。他在UBFS獲得會計博士學位，並在區域及國際會議和期刊上發表了多篇論文。他曾擔任多個國際評審期刊和會議的編輯委員會主席及成員，並且是多個國際會議（ICGER和EAMMIS）的主席。此外，他還是《大數據驅動的數位經濟：人工智慧與計算智慧》（The Big Data- Driven Digital Economy: Artificial and Computational Intelligence）一書的編輯，該書收錄於計算智慧研究（Studies in Computational Intelligence）系列中。他是多個國際組織和協會的成員，如歐洲會計師協會（European Accountants Association, EAA）、巴林管理學會、東協經濟協會（Middle East Economic Association, MEEA）、國際伊斯蘭行銷協會（International Islamic Marketing Association, IIMA）、阿拉伯銀行與金融科學學院、巴勒斯坦會計協會及巴勒斯坦農民協會。

Manaf Al-Okaily 擔任約旦伊爾比德的Jadara大學會計資訊系統（Accounting Information Systems, AIS）助理教授。Al-Okaily 在馬來西亞的馬來西亞登嘉樓大學獲得AIS博士學位。他目前的研究興趣包括會計與金融的數位轉型、智能會計系統，以及金融科技服務的接受與採用。他在多個知名的國際同行評審期刊上發表了數篇學術文章，如《資訊科技與人》（Information Technology & People）、《社會中的科技》（Technology in Society）、《VINE資訊與知識管理系統期刊》（VINE Journal of Information and Knowledge Management Systems）、《歐洲地中海商業期刊》（EuroMed Journal of Business）、《控制論》（Kybernetes）及《全面品質管理期刊》（TQM Journal）。此外，他還為多個高排名期刊（如Scopus和Clarivate Analytics）審稿。

Anas Ali Al-Qudah 是阿布達比Liwa科技學院商學院的代理院長及會計與金融系主任。Anas的研究領域包括會計、金融、社會企業、可持續發展及經濟增長。他還作為客座編輯，主導一些金融科技領域的特刊，並在多個高排名期刊（如Scopus和Clarivate Analytics）擔任審稿人。Anas博士擁有約旦銀行與金融科學大學的金融學博士學位，並在同一所大學獲得碩士學位，學士學位則是在約旦穆塔大學的商學院取得。他在2017年和2019年分別擔任約旦和馬來西亞兩名博士生的共同指導教授。Anas博士參加過美國、約旦、捷克共和國、黎巴嫩、義大利、摩洛哥、阿爾及利亞和沙烏地阿拉伯等地的多個國際會議。此外，他還於2008年獲得美國密西西比州Keesler中心的財務經理證書。

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