Karen Elliott

Karen Elliott
University of Birmingham · University of Birmingham Business School

Doctor of Philosophy

About

25
Publications
11,865
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601
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Introduction
Professor Karen Elliott is Chair of Practice in Finance/FinTech at the University of Birmingham Business School and Co-Director of the FinTech MSc Programme. She has been named as ‘Standout #35 Women in FinTech Powerlist by Innovate Finance’ for Policy and Governance 2019/ 2020/2021. Karen co-leads FinTrust, Finclusion, Agency, and the UKFin Network+ projects (£8m) with Prof van Moorsel to optimise trustworthy/ethical AI/Corporate Digital Responsibility.

Publications

Publications (25)
Article
Full-text available
Tensions between police organizations and (community) stakeholders have taken center stage in recent years, with an escalation in protests and divisive rhetoric observed in many countries. Using attribution theory, this study examines how police officers interpret negative stakeholder feedback and how these interpretations shape their behavioral re...
Article
Full-text available
In March 29, 2023, the UK Government released a white paper outlining its plans to implement a pro-innovation approach to Artificial Intelligence (AI) regulation and strengthen the UK's position as a global leader in AI. As part of the white paper, the government has developed five key principles to guide regulators. These principles encompass saf...
Article
Full-text available
Financial inclusion depends on providing adjusted services for citizens with disclosed vulnerabilities. At the same time, the financial industry needs to adhere to a strict regulatory framework, which is often in conflict with the desire for inclusive, adaptive, and privacy-preserving services. In this article we study how this tension impacts the...
Preprint
Full-text available
In the past decade, the financial industry has experienced a technology revolution. While we witness a rapid introduction of conversational bots for financial services, there is a lack of understanding of conversational user interfaces (CUI) features in this domain. The finance industry also deals with highly sensitive information and monetary tran...
Preprint
Full-text available
Financial inclusion depends on providing adjusted services for citizens with disclosed vulnerabilities. At the same time, the financial industry needs to adhere to a strict regulatory framework, which is often in conflict with the desire for inclusive, adaptive, privacy-preserving services. In this paper we study how this tension impacts the deploy...
Article
Full-text available
While the field of data ethics is increasingly engaging with the complex socio-technical nature of data practices and their impacts, in the private sector, data ethics continues to be pursued largely through limited instrumental measures. This paper addresses the following research question: How can socially-minded data-intensive innovation be purs...
Preprint
Full-text available
Vulnerable individuals have a limited ability to make reasonable financial decisions and choices and, thus, the level of care that is appropriate to be provided to them by financial institutions may be different from that required for other consumers. Therefore, identifying vulnerability is of central importance for the design and effective provisi...
Article
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In the digital era, we witness the increasing use of artificial intelligence (AI) to solve problems, while improving productivity and efficiency. Yet, inevitably costs are involved with delegating power to algorithmically based systems, some of whose workings are opaque and unobservable and thus termed the “black box”. Central to understanding the...
Chapter
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While there is substantial interest in ethical practice relating to Artificial Intelligence (AI), to date there has been limited consideration of what this means in the banking sector. This study aimed to address this gap in the literature through a qualitative study of public attitudes and perceptions of current and potential future uses of AI in...
Preprint
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Concerns about the societal impact of AI-based services and systems has encouraged governments and other organisations around the world to propose AI policy frameworks to address fairness, accountability, transparency and related topics. To achieve the objectives of these frameworks, the data and software engineers who build machine-learning system...
Preprint
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FinBots are chatbots built on automated decision technology, aimed to facilitate accessible banking and to support customers in making financial decisions. Chatbots are increasing in prevalence, sometimes even equipped to mimic human social rules, expectations and norms, decreasing the necessity for human-to-human interaction. As banks and financia...
Article
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Current attention directed at ethical dimensions of data and Artificial Intelligence have led to increasing recognition of the need to secure and maintain public support for uses (and reuses) of people’s data. This is essential to establish a “Social Licence” for current and future practices. The notion of a “Social Licence” recognises that there c...
Preprint
Full-text available
To build AI-based systems that users and the public can justifiably trust one needs to understand how machine learning technologies impact trust put in these services. To guide technology developments, this paper provides a systematic approach to relate social science concepts of trust with the technologies used in AI-based services and products. W...
Article
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Purpose Developing and implementing strategies to maximize profitability is a fundamental challenge facing manufacturers. The complexity of orchestrating resources in practice has been overlooked in the operations field and it is now necessary to go beyond the direct effects of individual resources and uncover different resource configurations that...
Article
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Purpose In this paper, the authors develop a cognitive organization theory (COT) of organizational change. COT was developed in the 2000s, by taking insights from cognitive psychology and anthropology to rebuild the foundation of organizational ecology (OE), grounding macro processes of organizational legitimation, inertia and mortality in micro pr...
Article
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Cybersecurity tends to be viewed as a highly dynamic, continually evolving technology race between attacker and defender. However, economic theory suggests that in many cases doing 'nothing' is the optimal strategy when substantial fixed adjustment costs are present. Indeed, the authors' anecdotal experience as chief information security officers i...
Article
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This paper develops a novel framework to examine organizational methods of knowledge protection. The model highlights a basic trade-off between improving task coordination through communication and mitigating security risks by imposing restrictions on communication flows. We develop an index that for each task measures the importance of protecting...
Article
Purpose – The purpose of this paper is to clarify the diversity of professional perspectives on police culture in an international context. Design/methodology/approach – In a first step the authors developed a standardized instrument of 45 occupational features for comparative analysis of police professional views. This set was inductively created...
Article
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Pioneering study into how art, architecture and environment impact on the health of patients in the new PFI hospital.

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