Yash Mishra

Gunjan Mishra, Yash Mishra

Financial systems have a growing reliance on computer-based and distributed systems, making FinTech systems vulnerable to advanced and quickly emerging cyber-criminal threats. Traditional security systems and fixed machine learning systems cannot identify more intricate fraud schemes whilst also addressing real-time performance and trust demands. This paper presented an Adaptive Neuro-Fuzzy Blockchain-AI Framework (ANFB-AI) to achieve security in FinTech transactions by detecting threats using intelligent and decentralized algorithms. The framework combines both an immutable, transparent and tamper resistant layer of a permissioned blockchain to maintain the immutability, transparency and resistance to tampering of transactions, and an adaptive neuro-fuzzy learning model to learn the presence of uncertainty and behavioural drift in fraud activities. An explicit mathematical model is created to explain the transaction integrity, adaptive threat classification, and unified risk based decision-making. The proposed framework uses Proof-of-Authority consensus to overcome low-latency validation of transactions and scalable real-time financial services. Massive simulations are performed in normal, moderate, and high-fraud conditions with the use of realistic financial and cryptocurrency transactions. The experimental evidence proves that ANFB-AI is always more accurate and precise than recent state-of-the-art algorithms and costs much less in terms of transaction confirmation time, propagation delay of blocks and end-to end latency. ANFB-AI performance supports the appropriateness of adaptive neuro-fuzzy intelligence to blockchain-based FinTech security.

Andrew Shaw, Christina Hahn, Catherine Rasgaitis et al.

With the rapid development and uptake of large language models (LLMs) across high-stakes settings, it is increasingly important to ensure that LLMs behave in ways that align with human values. Existing moral benchmarks prompt LLMs with value statements, moral scenarios, or psychological questionnaires, with the implicit underlying assumption that LLMs report somewhat stable moral preferences. However, moral psychology research has shown that human moral judgements are sensitive to morally irrelevant situational factors, such as smelling cinnamon rolls or the level of ambient noise, thereby challenging moral theories that assume the stability of human moral judgements. Here, we draw inspiration from this "situationist" view of moral psychology to evaluate whether LLMs exhibit similar cognitive moral biases to humans. We curate a novel multimodal dataset of 60 "moral distractors" from existing psychological datasets of emotionally-valenced images and narratives which have no moral relevance to the situation presented. After injecting these distractors into existing moral benchmarks to measure their effects on LLM responses, we find that moral distractors can shift the moral judgements of LLMs by over 30% even in low-ambiguity scenarios, highlighting the need for more contextual moral evaluations and more nuanced cognitive moral modeling of LLMs.