{"id":"https://openalex.org/W4416122040","doi":"https://doi.org/10.1007/s44163-025-00432-4","title":"AI ethics in banking services: a systematic and bibliometric review of regulatory and consumer perspectives","display_name":"AI ethics in banking services: a systematic and bibliometric review of regulatory and consumer perspectives","publication_year":2025,"publication_date":"2025-11-11","ids":{"openalex":"https://openalex.org/W4416122040","doi":"https://doi.org/10.1007/s44163-025-00432-4"},"language":"en","primary_location":{"id":"doi:10.1007/s44163-025-00432-4","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s44163-025-00432-4","pdf_url":"https://link.springer.com/content/pdf/10.1007/s44163-025-00432-4.pdf","source":{"id":"https://openalex.org/S4210220416","display_name":"Discover Artificial Intelligence","issn_l":"2731-0809","issn":["2731-0809"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319965","host_organization_name":"Springer Nature","host_organization_lineage":["https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Nature"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Discover Artificial Intelligence","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://link.springer.com/content/pdf/10.1007/s44163-025-00432-4.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5092940145","display_name":"McArthur Fundira","orcid":"https://orcid.org/0000-0001-7698-1093"},"institutions":[{"id":"https://openalex.org/I165390105","display_name":"University of South Africa","ror":"https://ror.org/048cwvf49","country_code":"ZA","type":"education","lineage":["https://openalex.org/I165390105"]}],"countries":["ZA"],"is_corresponding":true,"raw_author_name":"McArthur Fundira","raw_affiliation_strings":["College of Science Engineering and Technology, Department of Industrial and Engineering Management, University of South Africa, 28 Pioneer Avenue, Florida, Roodepoort, Johannesburg, 1709, South Africa"],"affiliations":[{"raw_affiliation_string":"College of Science Engineering and Technology, Department of Industrial and Engineering Management, University of South Africa, 28 Pioneer Avenue, Florida, Roodepoort, Johannesburg, 1709, South Africa","institution_ids":["https://openalex.org/I165390105"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5040045223","display_name":"Charles Mbohwa","orcid":"https://orcid.org/0000-0002-8268-5984"},"institutions":[{"id":"https://openalex.org/I165390105","display_name":"University of South Africa","ror":"https://ror.org/048cwvf49","country_code":"ZA","type":"education","lineage":["https://openalex.org/I165390105"]}],"countries":["ZA"],"is_corresponding":false,"raw_author_name":"Charles Mbohwa","raw_affiliation_strings":["College of Science Engineering and Technology, Department of Industrial and Engineering Management, University of South Africa, 28 Pioneer Avenue, Florida, Roodepoort, Johannesburg, 1709, South Africa"],"affiliations":[{"raw_affiliation_string":"College of Science Engineering and Technology, Department of Industrial and Engineering Management, University of South Africa, 28 Pioneer Avenue, Florida, Roodepoort, Johannesburg, 1709, South Africa","institution_ids":["https://openalex.org/I165390105"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5092940145"],"corresponding_institution_ids":["https://openalex.org/I165390105"],"apc_list":{"value":990,"currency":"EUR","value_usd":1067},"apc_paid":{"value":990,"currency":"EUR","value_usd":1067},"fwci":4.9846,"has_fulltext":true,"cited_by_count":2,"citation_normalized_percentile":{"value":0.95799983,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":98,"max":99},"biblio":{"volume":"5","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10883","display_name":"Ethics and Social Impacts of AI","score":0.2655999958515167,"subfield":{"id":"https://openalex.org/subfields/3311","display_name":"Safety Research"},"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/T10883","display_name":"Ethics and Social Impacts of AI","score":0.2655999958515167,"subfield":{"id":"https://openalex.org/subfields/3311","display_name":"Safety Research"},"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":0.18209999799728394,"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/T12128","display_name":"AI in Service Interactions","score":0.11749999970197678,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/corporate-governance","display_name":"Corporate governance","score":0.6913999915122986},{"id":"https://openalex.org/keywords/thematic-analysis","display_name":"Thematic analysis","score":0.4844000041484833},{"id":"https://openalex.org/keywords/grey-literature","display_name":"Grey literature","score":0.45910000801086426},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.44600000977516174},{"id":"https://openalex.org/keywords/software-deployment","display_name":"Software deployment","score":0.4318000078201294},{"id":"https://openalex.org/keywords/enforcement","display_name":"Enforcement","score":0.40610000491142273},{"id":"https://openalex.org/keywords/systematic-review","display_name":"Systematic review","score":0.34869998693466187},{"id":"https://openalex.org/keywords/thematic-map","display_name":"Thematic map","score":0.34049999713897705}],"concepts":[{"id":"https://openalex.org/C39389867","wikidata":"https://www.wikidata.org/wiki/Q380767","display_name":"Corporate governance","level":2,"score":0.6913999915122986},{"id":"https://openalex.org/C74196892","wikidata":"https://www.wikidata.org/wiki/Q7781188","display_name":"Thematic analysis","level":3,"score":0.4844000041484833},{"id":"https://openalex.org/C61904560","wikidata":"https://www.wikidata.org/wiki/Q1148359","display_name":"Grey literature","level":3,"score":0.45910000801086426},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.44600000977516174},{"id":"https://openalex.org/C105339364","wikidata":"https://www.wikidata.org/wiki/Q2297740","display_name":"Software deployment","level":2,"score":0.4318000078201294},{"id":"https://openalex.org/C2779777834","wikidata":"https://www.wikidata.org/wiki/Q4202277","display_name":"Enforcement","level":2,"score":0.40610000491142273},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.39959999918937683},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.35519999265670776},{"id":"https://openalex.org/C189708586","wikidata":"https://www.wikidata.org/wiki/Q1504425","display_name":"Systematic review","level":3,"score":0.34869998693466187},{"id":"https://openalex.org/C93692415","wikidata":"https://www.wikidata.org/wiki/Q1502030","display_name":"Thematic map","level":2,"score":0.34049999713897705},{"id":"https://openalex.org/C55587333","wikidata":"https://www.wikidata.org/wiki/Q1133029","display_name":"Engineering ethics","level":1,"score":0.32359999418258667},{"id":"https://openalex.org/C2986226071","wikidata":"https://www.wikidata.org/wiki/Q22687","display_name":"Banking industry","level":2,"score":0.32280001044273376},{"id":"https://openalex.org/C75684735","wikidata":"https://www.wikidata.org/wiki/Q858810","display_name":"Big data","level":2,"score":0.3199999928474426},{"id":"https://openalex.org/C2986663376","wikidata":"https://www.wikidata.org/wiki/Q9465","display_name":"Ethical issues","level":2,"score":0.3147999942302704},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.3037000000476837},{"id":"https://openalex.org/C178315738","wikidata":"https://www.wikidata.org/wiki/Q603441","display_name":"Bibliometrics","level":2,"score":0.3018999993801117},{"id":"https://openalex.org/C2781083858","wikidata":"https://www.wikidata.org/wiki/Q17327049","display_name":"Scientific literature","level":2,"score":0.30000001192092896},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.29760000109672546},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.26930001378059387},{"id":"https://openalex.org/C39549134","wikidata":"https://www.wikidata.org/wiki/Q133080","display_name":"Public relations","level":1,"score":0.26010000705718994},{"id":"https://openalex.org/C547195049","wikidata":"https://www.wikidata.org/wiki/Q1725664","display_name":"Terminology","level":2,"score":0.2587999999523163},{"id":"https://openalex.org/C2780262971","wikidata":"https://www.wikidata.org/wiki/Q44554","display_name":"Law enforcement","level":2,"score":0.25679999589920044}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1007/s44163-025-00432-4","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s44163-025-00432-4","pdf_url":"https://link.springer.com/content/pdf/10.1007/s44163-025-00432-4.pdf","source":{"id":"https://openalex.org/S4210220416","display_name":"Discover Artificial Intelligence","issn_l":"2731-0809","issn":["2731-0809"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319965","host_organization_name":"Springer Nature","host_organization_lineage":["https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Nature"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Discover Artificial Intelligence","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:a891334080e045dfa2ee29d3edfaefef","is_oa":true,"landing_page_url":"https://doaj.org/article/a891334080e045dfa2ee29d3edfaefef","pdf_url":null,"source":{"id":"https://openalex.org/S112646816","display_name":"SHILAP Revista de lepidopterolog\u00eda","issn_l":"0300-5267","issn":["0300-5267","2340-4078"],"is_oa":true,"is_in_doaj":true,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Discover Artificial Intelligence, Vol 5, Iss 1, Pp 1-25 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1007/s44163-025-00432-4","is_oa":true,"landing_page_url":"https://doi.org/10.1007/s44163-025-00432-4","pdf_url":"https://link.springer.com/content/pdf/10.1007/s44163-025-00432-4.pdf","source":{"id":"https://openalex.org/S4210220416","display_name":"Discover Artificial Intelligence","issn_l":"2731-0809","issn":["2731-0809"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319965","host_organization_name":"Springer Nature","host_organization_lineage":["https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Nature"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Discover Artificial Intelligence","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4416122040.pdf"},"referenced_works_count":42,"referenced_works":["https://openalex.org/W2612786430","https://openalex.org/W2893405045","https://openalex.org/W2902634493","https://openalex.org/W2954354111","https://openalex.org/W3005377509","https://openalex.org/W3006630858","https://openalex.org/W3012546541","https://openalex.org/W3024628422","https://openalex.org/W3097734923","https://openalex.org/W3106678594","https://openalex.org/W3110457614","https://openalex.org/W3114562312","https://openalex.org/W3122221459","https://openalex.org/W3149778443","https://openalex.org/W3172252564","https://openalex.org/W3175297548","https://openalex.org/W3207307222","https://openalex.org/W3216664421","https://openalex.org/W4214857643","https://openalex.org/W4291123477","https://openalex.org/W4296688651","https://openalex.org/W4297239110","https://openalex.org/W4306149354","https://openalex.org/W4309347831","https://openalex.org/W4320532297","https://openalex.org/W4367156783","https://openalex.org/W4376865154","https://openalex.org/W4380148824","https://openalex.org/W4383911728","https://openalex.org/W4385934923","https://openalex.org/W4387036317","https://openalex.org/W4388602022","https://openalex.org/W4389789046","https://openalex.org/W4399394598","https://openalex.org/W4399999610","https://openalex.org/W4400981518","https://openalex.org/W4400997209","https://openalex.org/W4402725655","https://openalex.org/W4405307848","https://openalex.org/W4408282293","https://openalex.org/W4410158836","https://openalex.org/W4410789206"],"related_works":[],"abstract_inverted_index":{"Abstract":[0],"The":[1,108,165],"rapid":[2],"integration":[3],"of":[4,68,82,90,161,176,208],"artificial":[5],"intelligence":[6],"(AI)":[7],"in":[8,70,84,237],"banking":[9,226],"services":[10],"has":[11],"significantly":[12],"reshaped":[13],"financial":[14,238],"operations,":[15],"offering":[16,204],"improved":[17],"efficiency,":[18],"tailored":[19],"customer":[20,77,155],"experiences,":[21],"and":[22,43,60,79,97,105,123,125,138,157,173,187,211,225,233],"advanced":[23],"risk":[24,124],"management.":[25],"However,":[26],"these":[27],"technological":[28],"advances":[29],"have":[30],"introduced":[31],"critical":[32],"ethical":[33,66,115,126],"concerns,":[34],"particularly":[35],"around":[36],"data":[37],"privacy,":[38],"algorithmic":[39],"bias,":[40],"transparency,":[41],"fairness,":[42],"regulatory":[44,144,179],"oversight.":[45],"This":[46,192],"study":[47],"employs":[48],"a":[49,53,73,130,205],"multi-method":[50],"approach":[51],"comprising":[52],"systematic":[54],"literature":[55],"review":[56,166],"(SLR),":[57],"bibliometric":[58,198],"mapping,":[59],"content":[61],"analysis":[62],"to":[63,229],"examine":[64],"the":[65,80,139,158,168,174,183],"implications":[67],"AI":[69,117,121,136,162,185,189,235],"banking,":[71],"with":[72,200],"specific":[74],"focus":[75],"on":[76,134],"impact":[78],"role":[81],"regulation":[83],"mitigating":[85],"associated":[86],"risks.":[87],"A":[88],"total":[89],"25":[91],"peer-reviewed":[92],"articles":[93],"published":[94],"between":[95],"2018":[96],"2024":[98],"were":[99],"analysed":[100],"using":[101],"structured":[102],"selection":[103],"criteria":[104],"thematic":[106,113,202],"clustering.":[107],"findings":[109,218],"reveal":[110],"four":[111],"dominant":[112],"domains:":[114],"governance,":[116],"application":[118],"areas,":[119],"customer-centric":[120],"technologies,":[122],"decision-making.":[127],"These":[128],"highlight":[129],"strong":[131],"scholarly":[132],"emphasis":[133],"responsible":[135],"deployment":[137],"urgent":[140],"need":[141],"for":[142,170,214,222],"harmonized":[143],"frameworks.":[145],"Despite":[146],"growing":[147],"attention,":[148],"research":[149],"gaps":[150],"remain":[151],"regarding":[152],"empirical":[153],"validation,":[154],"trust,":[156],"practical":[159],"enforcement":[160],"governance":[163],"principles.":[164],"underscores":[167],"necessity":[169],"interdisciplinary":[171],"collaboration":[172],"development":[175],"context-specific,":[177],"forward-looking":[178],"approaches":[180],"such":[181],"as":[182],"EU":[184],"Act":[186],"Singapore\u2019s":[188],"Governance":[190],"Framework.":[191],"paper":[193],"contributes":[194],"uniquely":[195],"by":[196],"integrating":[197],"insights":[199,221],"content-driven":[201],"analysis,":[203],"consolidated":[206],"view":[207],"current":[209],"knowledge":[210],"identifying":[212],"directions":[213],"future":[215],"research.":[216],"Its":[217],"offer":[219],"actionable":[220],"policymakers,":[223],"regulators,":[224],"institutions":[227],"seeking":[228],"adopt":[230],"ethical,":[231],"inclusive,":[232],"transparent":[234],"systems":[236],"services.":[239]},"counts_by_year":[{"year":2026,"cited_by_count":2}],"updated_date":"2026-03-20T23:20:44.827607","created_date":"2025-11-11T00:00:00"}
