Human–AI collaboration, explainable artificial intelligence, fraud detection, risk scoring, compliance automation, fintech, AI governance, model fairness
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Human–AI Collaboration in Fraud Detection, Risk Scoring, and Compliance Automation in Fintech
Abstract: As artificial intelligence (AI) systems assume increasingly consequential roles in financial fraud detection, risk scoring, and regulatory compliance, the question of how human expertise and machine intelligence are best integrated has become central to both operational effectiveness and ethical governance. Human–AI collaboration in fintech is not a transitional state on the path to full automation; it is a principled design choice that combines the pattern recognition and scalability of machine …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 2, 2026 · pp. 8–16 Read article