{"id":"https://openalex.org/W7225012212","doi":"https://doi.org/10.5281/zenodo.23845798","title":"From Social Trust to Verifiable Claims: AI-Assisted Consumer Due Diligence in Financial Distribution \u2014 A Conceptual Framework and Reflexive Case Note","display_name":"From Social Trust to Verifiable Claims: AI-Assisted Consumer Due Diligence in Financial Distribution \u2014 A Conceptual Framework and Reflexive Case Note","publication_year":2026,"publication_date":"2026-10-31","ids":{"openalex":"https://openalex.org/W7225012212","doi":"https://doi.org/10.5281/zenodo.23845798"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.23845798","doi":"https://doi.org/10.5281/zenodo.23845798","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23845798","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Preprint"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.23845798","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5158980370","display_name":"Tina Qiaotian Yan","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Yan, Tina Qiaotian","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5158980370"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T14373","display_name":"Securities Regulation and Market Practices","score":0.7548999786376953,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T14373","display_name":"Securities Regulation and Market Practices","score":0.7548999786376953,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.11720000207424164,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14154","display_name":"finance, banking, and market dynamics","score":0.04149999842047691,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-products","display_name":"financial products","score":0.7799999713897705},{"id":"https://openalex.org/keywords/generative-ai","display_name":"generative AI","score":0.7429999709129333},{"id":"https://openalex.org/keywords/social-trust","display_name":"social trust","score":0.5730000138282776},{"id":"https://openalex.org/keywords/product-suitability","display_name":"product suitability","score":0.492000013589859},{"id":"https://openalex.org/keywords/financial-fraud","display_name":"financial fraud","score":0.45399999618530273},{"id":"https://openalex.org/keywords/asset-custody","display_name":"asset custody","score":0.7670000195503235},{"id":"https://openalex.org/keywords/regulatory-compliance","display_name":"regulatory compliance","score":0.503000020980835},{"id":"https://openalex.org/keywords/financial-incentives","display_name":"financial incentives","score":0.3790000081062317}],"concepts":[{"id":"https://openalex.org/C13200473","wikidata":"https://www.wikidata.org/wiki/Q2747831","display_name":"Reflexivity","level":2,"score":0.5902000069618225},{"id":"https://openalex.org/C14224292","wikidata":"https://www.wikidata.org/wiki/Q13600188","display_name":"Conceptual framework","level":2,"score":0.5795000195503235},{"id":"https://openalex.org/C90673727","wikidata":"https://www.wikidata.org/wiki/Q901718","display_name":"Product (mathematics)","level":2,"score":0.5497000217437744},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5004000067710876},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.4887000024318695},{"id":"https://openalex.org/C2776034101","wikidata":"https://www.wikidata.org/wiki/Q1509347","display_name":"Commission","level":2,"score":0.477400004863739},{"id":"https://openalex.org/C2780587575","wikidata":"https://www.wikidata.org/wiki/Q6875295","display_name":"Misconduct","level":2,"score":0.43959999084472656},{"id":"https://openalex.org/C2776007630","wikidata":"https://www.wikidata.org/wiki/Q2798912","display_name":"Accountability","level":2,"score":0.43540000915527344},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.43479999899864197},{"id":"https://openalex.org/C2781016034","wikidata":"https://www.wikidata.org/wiki/Q794134","display_name":"Due diligence","level":2,"score":0.415800005197525},{"id":"https://openalex.org/C39549134","wikidata":"https://www.wikidata.org/wiki/Q133080","display_name":"Public relations","level":1,"score":0.40619999170303345},{"id":"https://openalex.org/C110121322","wikidata":"https://www.wikidata.org/wiki/Q865811","display_name":"Distribution (mathematics)","level":2,"score":0.3855000138282776},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3824999928474426},{"id":"https://openalex.org/C2777601897","wikidata":"https://www.wikidata.org/wiki/Q3409113","display_name":"Presentation (obstetrics)","level":2,"score":0.374099999666214},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3693000078201294},{"id":"https://openalex.org/C85847156","wikidata":"https://www.wikidata.org/wiki/Q59015987","display_name":"Verifiable secret sharing","level":3,"score":0.34209999442100525},{"id":"https://openalex.org/C76144217","wikidata":"https://www.wikidata.org/wiki/Q5421695","display_name":"Express trust","level":2,"score":0.3370000123977661},{"id":"https://openalex.org/C108170787","wikidata":"https://www.wikidata.org/wiki/Q3951828","display_name":"Agency (philosophy)","level":2,"score":0.3255000114440918},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.31520000100135803},{"id":"https://openalex.org/C2779089604","wikidata":"https://www.wikidata.org/wiki/Q7169333","display_name":"Permission","level":2,"score":0.31520000100135803},{"id":"https://openalex.org/C190253527","wikidata":"https://www.wikidata.org/wiki/Q295354","display_name":"Law and economics","level":1,"score":0.31119999289512634},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.30399999022483826},{"id":"https://openalex.org/C2989499966","wikidata":"https://www.wikidata.org/wiki/Q664183","display_name":"Consumer protection","level":2,"score":0.3003000020980835},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.29750001430511475},{"id":"https://openalex.org/C177212765","wikidata":"https://www.wikidata.org/wiki/Q627335","display_name":"Workflow","level":2,"score":0.29499998688697815},{"id":"https://openalex.org/C13606891","wikidata":"https://www.wikidata.org/wiki/Q2623243","display_name":"Conceptual model","level":2,"score":0.2946999967098236},{"id":"https://openalex.org/C108759981","wikidata":"https://www.wikidata.org/wiki/Q788590","display_name":"Authorization","level":2,"score":0.2842999994754791},{"id":"https://openalex.org/C2778701210","wikidata":"https://www.wikidata.org/wiki/Q28130034","display_name":"Constructive","level":3,"score":0.2727999985218048},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.27219998836517334},{"id":"https://openalex.org/C86532276","wikidata":"https://www.wikidata.org/wiki/Q1184065","display_name":"Delegation","level":2,"score":0.26910001039505005},{"id":"https://openalex.org/C39389867","wikidata":"https://www.wikidata.org/wiki/Q380767","display_name":"Corporate governance","level":2,"score":0.25519999861717224},{"id":"https://openalex.org/C46934059","wikidata":"https://www.wikidata.org/wiki/Q61515","display_name":"Outsourcing","level":2,"score":0.2515000104904175}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.23845798","doi":"https://doi.org/10.5281/zenodo.23845798","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23845798","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Preprint"},{"id":"doi:10.5281/zenodo.23845799","doi":"https://doi.org/10.5281/zenodo.23845799","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23845799","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Preprint"}],"best_oa_location":{"id":"doi:10.5281/zenodo.23845798","doi":"https://doi.org/10.5281/zenodo.23845798","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23845798","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Preprint"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7117871982","https://openalex.org/W7204159782","https://openalex.org/W7169729112","https://openalex.org/W7223554194","https://openalex.org/W7155020284","https://openalex.org/W4411378946","https://openalex.org/W7154942216","https://openalex.org/W7213240047","https://openalex.org/W4401883318","https://openalex.org/W7160530465"],"abstract_inverted_index":{"Financial":[0],"products":[1],"may":[2],"be":[3],"introduced":[4],"through":[5],"family,":[6],"friendship,":[7],"community":[8],"events,":[9],"or":[10,22,129],"educational":[11],"seminars":[12],"before":[13],"consumers":[14],"know":[15],"whether":[16],"an":[17,67,78,110],"interaction":[18],"is":[19],"personal,":[20],"informational,":[21],"commercial.":[23],"This":[24],"independent":[25],"conceptual":[26],"preprint":[27],"proposes":[28],"CLEAR":[29],"(Claims,":[30],"Licensing,":[31],"Entities,":[32],"Assets,":[33],"and":[34,62,103,119,132],"Rewards/Redress),":[35],"a":[36,84,120],"source-auditable":[37],"consumer":[38],"due-diligence":[39],"workflow":[40],"assisted":[41],"by":[42],"generative":[43],"AI.":[44],"An":[45],"anonymized":[46],"first-person":[47],"case":[48],"note":[49],"examines":[50],"the":[51],"boundaries":[52],"among":[53],"social":[54],"trust,":[55],"official":[56,79],"registration,":[57],"product":[58,95],"scope,":[59],"financial":[60],"incentives,":[61],"custody":[63],"of":[64],"assets.":[65],"Importantly,":[66],"initial":[68],"suspicion":[69],"that":[70],"securities":[71],"authorization":[72],"was":[73,75],"absent":[74],"revised":[76],"after":[77],"Canadian":[80],"public":[81],"register":[82],"showed":[83],"relevant":[85],"mutual-fund":[86],"dealing-representative":[87],"category.":[88],"The":[89],"paper":[90],"distinguishes":[91],"regulatory":[92],"permission":[93],"from":[94,100,106],"suitability,":[96],"multilevel":[97],"commission":[98],"distribution":[99],"established":[101],"fraud,":[102],"AI-generated":[104],"suggestions":[105],"evidence.":[107],"It":[108,124],"offers":[109],"evidence":[111],"ledger,":[112],"ethical":[113],"safeguards,":[114],"stopping":[115],"rules,":[116],"testable":[117],"propositions,":[118],"prospective":[121],"evaluation":[122],"design.":[123],"does":[125],"not":[126,135],"establish":[127],"misconduct":[128],"causal":[130],"effectiveness,":[131],"it":[133],"has":[134],"been":[136],"peer":[137],"reviewed.":[138]},"counts_by_year":[],"updated_date":"2026-11-02T09:45:03.842371","created_date":"2026-11-01T00:00:00"}