|
Article 48
|
(Principle of equality)
- When using AI, an organization shall adopt the people-oriented and human controllable measures in the design of algorithm, development, data collection, selection of training data, processing, building/generation/optimization of model, and subsequent application in financial services, to be in line with the principle of treating all clients equally respected by the financial service providers.
- For collection and processing of data and information, an organization is advised to use diverse data covering different backgrounds and characteristics, not relying solely on data of a single category or group, to reduce bias and discrimination against certain groups.
- If the following data parameters are included in algorithmic determination, such as name, residence, group, religion, nationality, ages not subject to limit or prohibition under the law, all physical characteristics (including but not limited to height, weight, sex, color, hair volume, and physical disability), or all diseases not involving incapacity causing inability to understand or make decisions on the financial product, evaluations of necessity from the aspects of information security, compliance and risk control shall be performed.
- For use of AI systems to provide financial services, it is advisable to evaluate the availability of remedy options, which may include complaint or remediation method, dispute resolution mechanism, etc. If the AI systems in use are related to anti-money laundering or fraud detection, for which availability of remedy option is advised against, no such options may be available.
|