Enabling compliant and inclusive financial services using a rule-language

Article Article scientifique Article Enabling compliant and inclusive financial services using a rule-language eng 2025-03-10 author Aldini Alessandro 835493 author Mesquita Borba Maranhao M Suzana 946315 author Seigneur Jean-Marc 0000-0002-3271-2905 637739 Service enseignement, recherche, administratif et technique (SdS) (SCSPS) 1-12 10.1504/IJACT.2024.144924 1753-0563 Currently, 1.4 billion people worldwide remain unbanked, with one notable challenge being the struggle to adhere to compliance regulations without possessing official personal documents. Regulatory requirements, often presented in unstructured formats using natural language, are scattered across documents originating from diverse jurisdictions. Innovative recognition approaches, such as recognising individuals through digital activity trails, offer potential solutions to this challenge. This paper introduces a conceptual model aimed at addressing financial inclusion challenges, with a particular focus on a formal rule-language designed to model financial inclusion services and to structure existing requirements related to user recognition. Our study also applies the proposed rule-language to a real-world use case, employing formal quantitative verification to validate its effectiveness in representing and comparing critical decisions within a financial inclusion context. The proposed framework demonstrates versatility by being applicable to both centralised and decentralised finance systems. Rule-language KYC AML Compliance Financial inclusion services Computational trust and risk engine CTRE Centralised finance Decentralised finance Dewey 305.3 Dewey 330/650 Dewey 025.063 9 Faculté d'économie et de management S 13 Centre universitaire d'informatique 0D3 191 Medialab, Institut des sciences de la communication et des cultures numériques TB false International journal of applied cryptography 5 1 588c6935-46d7-406c-b5b2-48e4c12b2783 Article (Published version) Public 2024_IJACT-196690_TAFPV.pdf 855696 application/pdf ba7cb4c7a18314561220363a290f50c229cdc58c977642aff43c6afc15698b20 openAccess Faculté d'économie et de management Centres et instituts / Centre universitaire d'informatique Faculté des sciences de la société / Medialab, Institut des sciences de la communication et des cultures numériques

Title	Published in	Access level	OA Policy	Year	Views	Downloads

Enabling compliant and inclusive financial services using a rule-language	International journal of applied cryptography			2025	48	53

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Aldini, Alessandro