Zhichao Ma

Karen Elliott, Kovila Coopamootoo, Edward Curran et al.

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 deployment of privacy-sensitive technologies aimed at financial inclusion. We conduct a qualitative study with banking experts to understand their perspectives on service development for financial inclusion. We build and demonstrate a prototype solution based on open source decentralized identifiers and verifiable credentials software and report on feedback from the banking experts on this system. The technology is promising thanks to its selective disclosure of vulnerabilities to the full control of the individual. This supports GDPR requirements, but at the same time, there is a clear tension between introducing these technologies and fulfilling other regulatory requirements, particularly with respect to 'Know Your Customer.' We consider the policy implications stemming from these tensions and provide guidelines for the further design of related technologies.

Zhichao Ma, Fan Huang, Lu Zhao et al.

Document image quality assessment (DIQA) is an important component for various applications, including optical character recognition (OCR), document restoration, and the evaluation of document image processing systems. In this paper, we introduce a subjective DIQA dataset DIQA-5000. The DIQA-5000 dataset comprises 5,000 document images, generated by applying multiple document enhancement techniques to 500 real-world images with diverse distortions. Each enhanced image was rated by 15 subjects across three rating dimensions: overall quality, sharpness, and color fidelity. Furthermore, we propose a specialized no-reference DIQA model that exploits document layout features to maintain quality perception at reduced resolutions to lower computational cost. Recognizing that image quality is influenced by both low-level and high-level visual features, we designed a feature fusion module to extract and integrate multi-level features from document images. To generate multi-dimensional scores, our model employs independent quality heads for each dimension to predict score distributions, allowing it to learn distinct aspects of document image quality. Experimental results demonstrate that our method outperforms current state-of-the-art general-purpose IQA models on both DIQA-5000 and an additional document image dataset focused on OCR accuracy.