Daniel Cash is Reader in Law at Aston University and a Senior Fellow at the United Nations University Centre for Policy Research. Daniel’s research is exclusively concerned with the regulation of the credit rating industry, with a wider focus on the financial regulation of financial service providers, and the relationship between the financial sector and its impact upon society. He has authored a number of books, edited collections, and articles on the credit rating industry specifically.Nataliya Tkachenko is an AI strategy lead for sustainable finance at the AI Centre of Excellence (Lloyds Banking Group). She is also a visiting fellow at the Cambridge Centre for Finance, Technology and Regulation (University of Cambridge Judge Business School) and an Executive Director of UK Multimodal AI Network, funded by EPSRC. She obtained her PhD in Computer Science from the University of Warwick in 2019, and continues to pursue her interest in how AI transforms financial industry, what are the biggest opportunities and associated risks. She’s part of AI Assurance working groups within DRCF and IOSCO.

• Chapter 1 Introduction.- Chapter 2 Generative AI: Concept, Applications, and Implications.- Chapter 3 The Growing Adoption of AI within the World of Credit Ratings.- Chapter 4 The Regulatory Perspective.- Chapter 5 Recommendations.- Chapter 6 Conclusion.

Daniel Cash is Reader in Law at Aston University and a Senior Fellow at the United Nations University Centre for Policy Research. Daniel’s research is exclusively concerned with the regulation of the credit rating industry, with a wider focus on the financial regulation of financial service providers, and the relationship between the financial sector and its impact upon society. He has authored a number of books, edited collections, and articles on the credit rating industry specifically.Nataliya Tkachenko is an AI strategy lead for sustainable finance at the AI Centre of Excellence (Lloyds Banking Group). She is also a visiting fellow at the Cambridge Centre for Finance, Technology and Regulation (University of Cambridge Judge Business School) and an Executive Director of UK Multimodal AI Network, funded by EPSRC. She obtained her PhD in Computer Science from the University of Warwick in 2019, and continues to pursue her interest in how AI transforms financial industry, what are the biggest opportunities and associated risks. She’s part of AI Assurance working groups within DRCF and IOSCO.

• Chapter 1 Introduction.- Chapter 2 Generative AI: Concept, Applications, and Implications.- Chapter 3 The Growing Adoption of AI within the World of Credit Ratings.- Chapter 4 The Regulatory Perspective.- Chapter 5 Recommendations.- Chapter 6 Conclusion.