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Open Data and Intelligent Finance

kurs ist nicht verfügbar in Deutsch (Deutschland)

Wir übersetzen es in weitere Sprachen. Sehen Sie sich die Sprachen an, die wir anbieten.

Saïd Business School, University of Oxford

Open Data and Intelligent Finance

Dieser Kurs ist Teil von Spezialisierung „AI in Financial Services: Foundations through future trends“

Unterrichtet in Deutsch (KI-Synchronisation)

Dozent: Pinar Ozcan

1.558 bereits angemeldet

Bei enthalten

Mehr erfahren

5 Module

Verschaffen Sie sich einen Einblick in ein Thema und lernen Sie die Grundlagen.

31 Bewertungen

Stufe Anfänger

Empfohlene Erfahrung

2 Wochen zu vervollständigen

unter 10 Stunden pro Woche

Flexibler Zeitplan

In Ihrem eigenen Lerntempo lernen

5 Module

Verschaffen Sie sich einen Einblick in ein Thema und lernen Sie die Grundlagen.

31 Bewertungen

Stufe Anfänger

Empfohlene Erfahrung

2 Wochen zu vervollständigen

unter 10 Stunden pro Woche

Flexibler Zeitplan

In Ihrem eigenen Lerntempo lernen

Was Sie lernen werden

Explain the principles of Open Data, Open Finance, and Smart Data, and how they shape modern financial ecosystems
Evaluate how AI powers real-time, intelligent financial services and the ethical and regulatory risks involved
Design inclusive, data-driven financial systems using platform infrastructure and responsible innovation practices

Kompetenzen, die Sie erwerben

Kategorie: Financial Systems
Kategorie: Financial Data
Kategorie: Data Strategy
Kategorie: Product Design
Kategorie: Business Ethics
Kategorie: Data Literacy
Kategorie: Financial Services
Kategorie: Law, Regulation, and Compliance
Kategorie: Data Governance
Kategorie: Responsible AI
Kategorie: AI Personalization
Kategorie: Financial Inclusion
Kategorie: Data Sharing
Kategorie: Finance
Kategorie: Decision Intelligence
Kategorie: Data Ethics
Kategorie: FinTech
Kategorie: Financial Regulation

Werkzeuge, die Sie lernen werden

Kategorie: Application Programming Interface (API)
Kategorie: Risking

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Dieser Kurs ist Teil der Spezialisierung Spezialisierung „AI in Financial Services: Foundations through future trends“

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In diesem Kurs gibt es 5 Module

Financial services are changing, from how they’re designed to how they’re delivered. Increasingly, the tools we use to bank, borrow, save, and invest are powered by artificial intelligence, delivered through platforms, and built on open data infrastructure. But what happens when finance becomes invisible? When decisions are automated? When users don’t realise they’re engaging with a financial product?

This course explores the rise of intelligent, data-driven finance and how to design systems that are not only efficient but also ethical and inclusive. You’ll learn how Open Data and Open Finance enable cross-sector innovation, and how AI transforms static products into real-time, personalised services. You’ll explore embedded finance models and platform architectures, and examine real-world case studies from global leaders like the UK, India, and Brazil. Along the way, you’ll investigate risks, from consent fragmentation and data inequality to black-box decision-making and regulatory blind spots. Through hands-on activities and a final design project, you’ll apply your learning to propose responsible, user-centred innovations for the future of finance. By the end of the course, you will be able to: • Define the principles and evolution of Open Data and its relationship to Open Banking and Open Finance. • Analyse the key technical, legal, and ethical components that support intelligent, data-driven financial ecosystems. • Evaluate how AI and blended data sources can improve personalisation, credit access, and service delivery. • Interpret global Smart Data initiatives and policy frameworks in countries like the UK, India, Brazil, and Australia. • Identify risks and governance challenges associated with AI, privacy, consent, and data inequality in finance. • Design responsible, inclusive data-sharing strategies that align with transparency, fairness, and innovation goals. This is the third course in the 'AI in Financial Services: Foundations through Future Trends' specialization. We recommend completing 'AI Fundamentals in Financial Services' and 'Designing the Future of Finance' courses first for a strong foundation before exploring open data and intelligent finance.

Moduldetails

This course examines how Open Data, platform ecosystems, and AI are reshaping financial services. You will explore how intelligent systems use open infrastructure to deliver more personalised, embedded, and data-driven experiences. Through global case studies and critical reflection, you will build the tools to engage with the future of ethical and intelligent finance.

Das ist alles enthalten

6 Videos15 Lektüren1 Aufgabe9 Plug-ins

6 VideosInsgesamt 8 Minuten

Welcome from Professor Pinar Ozcan2 Minuten
Open Data as public infrastructure2 Minuten
Example: Amira’s smart dashboard 1 Minute
Australia CDR 2 Minuten
Illustration: blended data and the power of financial visibility1 Minute
Designing consent for smart data systems2 Minuten

15 LektürenInsgesamt 131 Minuten

Your learning journey 10 Minuten
Before you begin: reflect on your learning goals 10 Minuten
Important note about course communication1 Minute
Open Data in the digital economy 10 Minuten
Why Open Finance is a launchpad 10 Minuten
Sector convergence and the rise of smart data ecosystems 5 Minuten
From Open Finance to Open Data: the strategic shift 10 Minuten
Introduction: the state as a data platform 10 Minuten
Government as enabler: trust, standards, and equity 10 Minuten
Introduction: more data, better decisions 5 Minuten
Why blended data matters for inclusion 10 Minuten
Introduction: balancing promise and risk 10 Minuten
Privacy, consent, and control 10 Minuten
Data inequality and the risk of exclusion 10 Minuten
Key insights and personal reflections 10 Minuten

1 AufgabeInsgesamt 20 Minuten

Module quiz20 Minuten

9 Plug-insInsgesamt 140 Minuten

Introduction to Open Data 15 Minuten
Open Data Principles 10 Minuten
What Open Finance built 10 Minuten
Why interoperability is the next frontier 15 Minuten
Case Studies: Smart Data UK & IndiaStack 30 Minuten
The role of Open Government Data 15 Minuten
Blended data use cases across finance and beyond15 Minuten
Policy objectives: What Open Data in finance can achieve 15 Minuten
Blended data, fragmented responsibility 15 Minuten

This module explores how AI and real-time data are transforming traditional financial services into intelligent, personalised, and adaptive systems. From budgeting tools that adjust to income shifts to AI-powered lending platforms that assess risk in milliseconds, you'll examine how smart technologies are reshaping credit, savings, and investment. You’ll also learn to critically assess the design, benefits, and risks of these systems, including the role of automation, personalisation, and decision speed in building financial resilience or exclusion.

Das ist alles enthalten

1 Video5 Lektüren1 Aufgabe4 Plug-ins

1 VideoInsgesamt 2 Minuten

Introduction: cheaper, better, faster 2 Minuten

5 LektürenInsgesamt 60 Minuten

How AI enables intelligence 10 Minuten
Risks and design challenges 10 Minuten
Use case: instant credit and loan approvals 10 Minuten
Infrastructure and data challenges 10 Minuten
Key insights and personal reflections 20 Minuten

1 AufgabeInsgesamt 20 Minuten

Module quiz20 Minuten

4 Plug-insInsgesamt 60 Minuten

What makes a financial service ‘intelligent’?15 Minuten
From one-size-fits-all to hyper-personalisation 10 Minuten
The need for speed 15 Minuten
Use cases: Risk modeling and dynamic pricing20 Minuten

Finance is no longer limited to banks or dedicated apps, it’s becoming embedded into the digital platforms we use every day. This module unpacks how financial services are delivered through platforms, super apps, and modular ecosystems using open APIs and real-time data. You'll explore how payments, lending, and insurance are becoming invisible, and the new roles of infrastructure providers, BaaS partners, and API aggregators. The module also surfaces the regulatory, ethical, and competitive risks as financial access becomes platform-mediated.

Das ist alles enthalten

3 Videos8 Lektüren1 Aufgabe5 Plug-ins

3 VideosInsgesamt 6 Minuten

How Open Finance enabled Embedded Finance1 Minute
What happens when you tap 'Pay Later'1 Minute
The hidden risks of invisible finance3 Minuten

8 LektürenInsgesamt 90 Minuten

From Open Finance to Embedded Finance 15 Minuten
Why Embedded Finance matters 15 Minuten
API Aggregators: stitching the ecosystem together 10 Minuten
Where the gaps are 10 Minuten
Who’s responsible? 10 Minuten
Emerging regulatory responses 10 Minuten
Market power and the platform risk 10 Minuten
Key insights and personal reflections 10 Minuten

1 AufgabeInsgesamt 20 Minuten

Module quiz20 Minuten

5 Plug-insInsgesamt 85 Minuten

Overview and definitions 20 Minuten
How platforms power the future of finance 20 Minuten
Banking-as-a-Service (BaaS) 15 Minuten
Super apps: the new financial gatekeepers? 15 Minuten
Consumer risk in invisible finance 15 Minuten

AI-driven finance has the power to expand inclusion, or deepen inequality. This module focuses on the human impact of intelligent financial systems, exploring case studies where design intent shaped user outcomes. You'll examine how incentives, algorithms, and interface design can empower or exploit users. By comparing inclusive innovations with harmful missteps, you’ll learn how to design for fairness, transparency, and long-term wellbeing. The module also introduces practical governance tools and ethical design strategies to guide responsible financial innovation.

Das ist alles enthalten

2 Videos3 Lektüren1 Aufgabe3 Plug-ins

2 VideosInsgesamt 4 Minuten

The impact of disruption 2 Minuten
Why intent matters2 Minuten

3 LektürenInsgesamt 40 Minuten

What makes AI in Finance so disruptive? 10 Minuten
Beyond rules, toward responsibility 15 Minuten
Key insights and personal reflections15 Minuten

1 AufgabeInsgesamt 20 Minuten

Module quiz20 Minuten

3 Plug-insInsgesamt 65 Minuten

Case studies: Rise and Robinhood30 Minuten
Design as leverage point 20 Minuten
AI guardrails and their purpose 15 Minuten

In the final module, you’ll consolidate your learning and apply key concepts in a capstone assessment. You’ll revisit your reflections, explore the real-world implications of AI and data-driven finance, and design a fictional but plausible intelligent financial product. This final project invites you to connect data, design, and impact, demonstrating how Open Data, AI, and embedded delivery can be aligned with ethical, inclusive, and transparent financial innovation.