Regulatory and Legal Problems of Analyzing Large User Data Using Artificial Intelligence in Banking

The article reveals the problems of comparing the terms "big user data" and "personal data" and their regulatory application in the field of financial risk assessment using artificial intelligence. The article discusses the types of big data analyzed in credit institutions and the main ways of using them. The legal nature of the possibility of using big data and analyzing it using software based on the mechanisms of so-called machine learning (artificial intelligence) is analyzed. The article reveals the regulatory and legal problems in this area and examines them from the practical side.