The use of algorithmic credit scoring presents opportunities and challenges for lenders, regulators, and consumers. This paper provides an analysis of the perils of the use of AI in lending, such as the problem of discrimination in lending markets that use algorithmic credit scoring, the limited...

In 2009, the world’s first “cryptoasset”, Bitcoin, was launched on the world’s first operational blockchain network. Since then, blockchain-based digital assets have proliferated in quantity and diversity and now comprise an asset class that is too big to ignore. Many courts around the...

This paper explains how some AI use cases may amplify some threats to the stability of the financial system. It argues that lack of a consistent approach to AI Governance by financial regulators and limited oversight on some AI models in terms of systemic risks need to be addressed to preserve...

Data regulation has become a key issue in today’s world. For various reasons, however, it has been challenging to understand data regulations in China, home to the largest e-commerce market in the world. This paper traces the evolution of data and Internet regulation in China, from the early...

In the contemporary regulatory discourse, much energy is directed to ensuring and governing trustworthy technology, or exploring how trust in recipient communities makes technological advances more palatable. This paper works well beyond these approaches to trust. Commencing with Cotterrell’s...

Originally this short reflection was intended to explore the relationship between the under-regulated labour environment of gig workers and their appreciation of work-life quality. It was never intended as a comprehensive governance critique of what is variously known as independent, franchised,...

A deluge of data is giving rise to new understandings and experiences of society and economy as our digital footprint grows steadily. Are data subjects able to determine themselves in this data-driven society? The emerging debates about autonomy and communal responsibility in the context of data...

Note: This commentary was first published on 13 August 20201 by Singapore Policy Journal at the Harvard Kennedy School. A link to the original publication can be found here: https://spj.hkspublications.org/2021/08/13/rethinking-what-we-owe-each-other/This commentary explores our moral...

A ‘Contracting Problem' arises when software is used to autonomously enter into contracts without human input. Questions arise as to how and whether there can be an expression of an objective intention to be legally bound. This article considers three leading solutions to the Contracting...

Will the regulation of a vaccine for COVID-19 be left in the hands of health standards administrators and research conventions or will an alliance of political and economic imperatives, chorused by a loud philanthropic/humanitarian cadre push both the roll-out and access challenges? This brief...