Editing AI in Finance (section)

== <span style="color: #FFFFFF;">Analyzing</span> ==
{| class="wikitable"
|+ Financial AI Application Risk Profile
! Application !! Decision Speed !! Explainability Need !! Regulatory Scrutiny || Error Cost
|-
| HFT || Microseconds || Low || High (market stability) || High
|-
| Fraud detection || Milliseconds || Medium || Medium || High
|-
| Credit scoring || Seconds-minutes || Very high (ECOA) || Very high || High (legal)
|-
| Robo-advisory || Days || Medium || High (fiduciary) || Medium
|-
| AML detection || Hours || High (SAR filing) || Very high || Very high
|-
| Earnings analysis || Hours || Low || Low || Low
|}

'''Failure modes''': Flash crashes caused by correlated algorithmic trading. Credit models that perpetuate historical discrimination via proxy variables. Fraud models with high false positive rates blocking legitimate customers. Overfitting to historical regimes that don't persist in changing markets. Models trained on bull market data failing catastrophically in downturns.
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