Generative AI in Fintech: Revolutionizing Finance Through Intelligent Algorithms
暫譯: 金融科技中的生成式人工智慧：透過智能演算法革新金融業

這本書深入探討生成式人工智慧（Generative AI）與金融科技（FinTech）產業的交集。這本書全面探索了生成式人工智慧這一尖端的人工智慧子集如何根本改變金融領域的格局。它細緻地揭示了先進演算法如何在生成式人工智慧的驅動下，轉變傳統金融流程、決策制定、風險評估、投資組合管理、詐騙檢測等多個方面。通過對理論概念和實際應用的詳細分析，我們說明了生成式對抗網路（Generative Adversarial Networks, GANs）和變分自編碼器（Variational Autoencoders, VAEs）等生成式人工智慧技術如何使金融科技應用能夠生成合成金融數據、優化交易策略並提升客戶體驗。讀者將深入了解生成式人工智慧在創建真實金融情境、建模市場行為及模擬各種經濟條件以便更好地規劃和策略制定方面的潛力。

此外，本書還提供了有關在金融科技領域使用生成式人工智慧的倫理考量和潛在挑戰的見解，強調負責任和可問責的部署的重要性。此外，《金融科技中的生成式人工智慧》還作為專業人士、研究人員和愛好者在金融領域實施生成式人工智慧解決方案的實用指南。它呈現了案例研究和真實世界的例子，展示了生成式人工智慧在各種金融科技應用中的有效性和影響。

Soumi Dutta is Associate Professor at Sister Nivedita University, India. She has completed her Ph.D(CST), IIEST, Shibpur. She received her B.Tech (IT) and M.Tech(CSE) securing 1st position (Gold medallist), from MAKAUT. She is certified as Publons Academy Peer Reviewer, 2020 and Certified Microsoft Innovative Educator, 2020. Her research interests are Data Mining, Information Retrieval, Online Social Media Analysis and Image Processing. She has published 80 conference and journal papers in Springer, IEEE, IGI Global, Taylor & Francis etc. She has 22 Books in Palgrave Macmillan, Springer, IET and IGI Global. She is a peer reviewer and TPC member in different international journals. She was the editor in CIPR 2020, CIPR2019, IEMIS 2020, CIIR 2021, IEMIS 2018, IEMIS 2022, ICIDA 2022, ICIDA 2023, CIIR 2023, ICDMIS 2024, ICIDA 2024 and special issues in IJWLTT. She is the member of several technical functional bodies such as CSI, ACM, IEEE, IFERP, MACUL, SDIWC, Internet Society, ICSES, ASR, AIDASCO, USERN, IRAN, IAENG. She has published 9 patents and 1 Copyright. She has one Authored book in Elsevier. Dr. Soumi Dutta has delivered 39 Keynote talks in Different International Conferences. She has been awarded with Rashtriya Shiksha Ratna Award, InSc Research Education Excellence Award, International Teacher Award 2020-21 by Ministry of MSME, Government of India.

Álvaro Rocha was listed in 2023 as World's 1% Top Scientists by Stanford University and Elsevier, World's Top 0.05% Scientist by ScholarGPS, and World's Top 1% Scientist by ResearchGate for the fields of Information Science and Information Systems. He is Professor at ISEG, University of Lisbon, Invited Professor at University of Calabria, Honorary Professor at Amity University, President of ITMA - Information and Technology Management Association, Vice-Chair of IEEE SMC Portugal Chapter, and Book Series Scientific Manager at Springer-Nature. He holds the title of Honorary Professor, and holds a D.Sc. in Information Science, Ph.D. in Information Systems and Technologies, M.Sc. in Information Management, and BCs in Computer Science. He is researcher at the ADVANCE (the ISEG Centre for Advanced Research in Management), and a collaborator researcher at CINTESIS (Center for Research in Health Technologies and Information Systems). His main research interests are maturity models, information systems quality, online service quality, requirements engineering, intelligent information systems, e-Government, e-Health, and information technology in education. He is also Founder and Editor-in-Chief of both following Scopus and/or WoS journals: JISEM (Journal of Information Systems Engineering & Management) and RISTI (Revista Ibérica de Sistemas e Tecnologias de Informação / Iberian Journal of Information Systems and Technologies). Moreover, he has served as Vice-Chair of Experts for the European Commission's Horizon 2020 Program, and as an Expert at the COST - intergovernmental framework for European Cooperation in Science and Technology, at the European Commission's Horizon Europe Program, at the Government of Italy's Ministry of Universities and Research, at the Government of Latvia's Ministry of Finance, at the Government of Mexico's National Council of Science and Technology, at the Government of Polish's National Science Centre, at the Government of Cyprus's Research and Innovation Foundation, and at the Government of Slovak's Research Agency.

Ambuj Kumar Agarwal received Ph.D. (Computer Science) in 2013. He has completed his M. Tech from MDU, Rohtak and he has done his M.Phil (CS) from Algappa University and MCA from UPTU, Lucknow. Currently, I am working as a Professor in the Department of Computer Science and Engineering, Sharda University, Greater Noida.. He has more than 18 years of extensive experience in the IT industry and Academics in India. His research areas are Software Engineering, Software Testing, Operating System, Cloud, Machine Learning, and Deep Learning. He has guided 2 Ph.D. research scholars and guided 4 Ph.D. Students in Computer Science & Engineering. He has organized more than 20 conferences/seminars and workshops. He has Chaired more than 10 Conference special sessions. He is serving in an advisory capacity in International Conferences as a Technical Programme committee /Organizing committee. He has published more than 50 papers in SCI / Scopus Journals and National and International conferences. He has also published 6 Indian patents (both utility and design) and 2 Australian patents are granted.

Raj Gaurang Tiwari received Ph.D. (Computer Science) in 2013. He has completed his M. Tech from UPTU, Lucknow. Currently, I am working as a Professor in the Department of Computer Science and Engineering, Chitkara University, Rajpura. He has more than 20 years of extensive experience in the IT industry and Academics in India. His research areas are Artificial Intelligence, Cloud, Machine Learning, and Deep Learning. He has Chaired more than 10 Conference special sessions. He is serving in an advisory capacity in International Conferences as a Technical Programme committee / Organizing committee. He has published more the 30 papers in SCI / Scopus Journals and National and International conferences. He has also published 6 Indian patents (both utility and design) and 2 Australian patents are granted.

Abhishek Bhattacharya is Associate Professor at Sister Nivedita University, India. He has completed his PhD (CSE) from BIT, Mesra. He is certified as Publons Academy Peer Reviewer, 2020. His research interests are data mining, cyber security, and mobile computing. He has published 45 conference and journal papers in Springer, IEEE, IGI Global, Taylor & Francis etc. He has 3 book chapters in Taylor & Francis Group EAI. He has 14 edited books in Springer. He is peer reviewer and TPC member in different international journals. He was the editor in IEMIS 2020, IEMIS 2018, IEMIS 2022, CIIR 2023, ICIDA 2022, ICIDA 2023, ICIDA 2024, ICDMIS 2024 and special issues in IJWLTT. He is the member of several technical functional bodies such as IEEE, IFERP, MACUL, SDIWC, Internet Society, ICSES, ASR, AIDASCO, USERN, IAENG. He has published 6 patents.

**Soumi Dutta** 是印度 Sister Nivedita University 的副教授。她在 IIEST, Shibpur 完成了她的博士學位（CST）。她在 MAKAUT 獲得了 B.Tech (IT) 和 M.Tech (CSE)，並獲得第一名（金獎）。她於 2020 年獲得 Publons Academy Peer Reviewer 認證，並於 2020 年成為微軟創新教育者認證。她的研究興趣包括資料探勘、資訊檢索、線上社交媒體分析和影像處理。她在 Springer、IEEE、IGI Global、Taylor & Francis 等期刊和會議上發表了 80 篇論文。她在 Palgrave Macmillan、Springer、IET 和 IGI Global 出版了 22 本書。她是多個國際期刊的同行評審和 TPC 成員。她曾擔任 CIPR 2020、CIPR 2019、IEMIS 2020、CIIR 2021、IEMIS 2018、IEMIS 2022、ICIDA 2022、ICIDA 2023、CIIR 2023、ICDMIS 2024、ICIDA 2024 及 IJWLTT 特刊的編輯。她是多個技術功能機構的成員，如 CSI、ACM、IEEE、IFERP、MACUL、SDIWC、Internet Society、ICSES、ASR、AIDASCO、USERN、IRAN、IAENG。她已發表 9 項專利和 1 項著作權。她在 Elsevier 出版了一本著作。Soumi Dutta 博士在不同的國際會議上發表了 39 場主題演講。她獲得了 Rashtriya Shiksha Ratna 獎、InSc 研究教育卓越獎、印度政府微型、中小企業部頒發的 2020-21 年國際教師獎。

**Álvaro Rocha** 在 2023 年被史丹佛大學和 Elsevier 列為全球前 1% 科學家，並被 ScholarGPS 列為全球前 0.05% 科學家，還被 ResearchGate 列為全球前 1% 科學家，專注於資訊科學和資訊系統領域。他是里斯本大學 ISEG 的教授，卡拉布里亞大學的受邀教授，阿米提大學的榮譽教授，ITMA - 資訊與技術管理協會的會長，IEEE SMC 葡萄牙分會的副主席，以及 Springer-Nature 的書籍系列科學經理。他擁有榮譽教授的頭銜，並擁有資訊科學的 D.Sc.、資訊系統與技術的博士學位、資訊管理的碩士學位，以及計算機科學的學士學位。他是 ADVANCE（ISEG 高級管理研究中心）的研究員，並在 CINTESIS（健康技術與資訊系統研究中心）擔任合作研究員。他的主要研究興趣包括成熟度模型、資訊系統質量、線上服務質量、需求工程、智能資訊系統、電子政府、電子健康和教育中的資訊技術。他還是以下 Scopus 和/或 WoS 期刊的創始人和主編：JISEM（資訊系統工程與管理期刊）和 RISTI（伊比利亞資訊系統與技術期刊）。此外，他曾擔任歐洲委員會 Horizon 2020 計畫的專家副主席，並在 COST（歐洲科學與技術合作的政府間框架）、歐洲委員會的 Horizon Europe 計畫、意大利政府的高等教育與研究部、拉脫維亞政府的財政部、墨西哥政府的國家科學與技術委員會、波蘭政府的國家科學中心、塞浦路斯政府的研究與創新基金會，以及斯洛伐克政府的研究機構擔任專家。

**Ambuj Kumar Agarwal** 於 2013 年獲得計算機科學博士學位。他在 MDU, Rohtak 完成了碩士學位，並在 Algappa University 獲得 M.Phil (CS)，以及在 UPTU, Lucknow 獲得 MCA。目前，他在 Greater Noida 的 Sharda University 計算機科學與工程系擔任教授。他在印度的 IT 行業和學術界擁有超過 18 年的豐富經驗。他的研究領域包括軟體工程、軟體測試、作業系統、雲端計算、機器學習和深度學習。他指導了 2 位博士研究生，並指導了 4 位計算機科學與工程的博士生。他組織了超過 20 場會議/研討會和工作坊，並主持了超過 10 場會議的特別會議。他在國際會議中擔任技術計畫委員會/組織委員會的顧問角色。他在 SCI / Scopus 期刊及國內外會議上發表了超過 50 篇論文。他還獲得了 6 項印度專利（包括實用新型和設計專利）和 2 項澳大利亞專利。

**Raj Gaurang Tiwari** 於 2013 年獲得計算機科學博士學位。他在 UPTU, Lucknow 完成了碩士學位。目前，他在 Rajpura 的 Chitkara University 計算機科學與工程系擔任教授。他在印度的 IT 行業和學術界擁有超過 20 年的豐富經驗。他的研究領域包括人工智慧、雲端計算、機器學習和深度學習。他主持了超過 10 場會議的特別會議，並在國際會議中擔任技術計畫委員會/組織委員會的顧問角色。他在 SCI / Scopus 期刊及國內外會議上發表了超過 30 篇論文。他還獲得了 6 項印度專利（包括實用新型和設計專利）和 2 項澳大利亞專利。

**Abhishek Bhattacharya** 是印度 Sister Nivedita University 的副教授。他在 BIT, Mesra 獲得 CSE 的博士學位。他於 2020 年獲得 Publons Academy Peer Reviewer 認證。他的研究興趣包括資料探勘、網路安全和行動計算。他在 Springer、IEEE、IGI Global、Taylor & Francis 等期刊和會議上發表了 45 篇論文。他在 Taylor & Francis Group EAI 出版了 3 篇書章，並在 Springer 出版了 14 本編輯書籍。他是多個國際期刊的同行評審和 TPC 成員。他曾擔任 IEMIS 2020、IEMIS 2018、IEMIS 2022、CIIR 2023、ICIDA 2022、ICIDA 2023、ICIDA 2024、ICDMIS 2024 及 IJWLTT 特刊的編輯。他是多個技術功能機構的成員，如 IEEE、IFERP、MACUL、SDIWC、Internet Society、ICSES、ASR、AIDASCO、USERN、IAENG。他已發表 6 項專利。