设计多模态对话式人工智能金融系统：理解巴西女性创业者所重视的敏感价值观
Designing multi-model conversational AI financial systems: understanding sensitive values of women entrepreneurs in Brazil
AI总结：
本文通过访谈20位巴西低收入社区女性创业者，以对话系统为探针揭示小额信贷实践中的价值张力，并提出七项面向低收入社区微型企业健康评估的AI系统设计建议。
摘要：
小企业主（SBOs），尤其是女性，在日常生活中面临诸多挑战，尤其是在向金融机构申请小额信贷贷款时。常见困难包括信用评分低、无银行账户状况、未偿债务、非正规就业状况、无法展示其偿付能力以及缺乏财务担保人。此外，小企业主往往因缺乏如何办理的信息而需要帮助申请小额信贷贷款。申请贷款是一项复杂的实践，可能出现不对称的权力关系，但这种关系并不总是有利于微型创业者。在本文中，我们采访了20位生活在巴西低收入社区的女性创业者。我们希望揭示源于这一实践的价值张力，这些张力可能影响面向公众的人工智能技术设计。为此，我们使用了一个对话系统作为探针，以理解在人工智能多媒体对话系统的支持下增强其实践能力的机会。我们得出了七项建议，用于设计评估低收入社区微型企业健康状况的人工智能系统。
英文摘要：
Small business owners (SBOs), specially women, face several challenges in everyday life, especially when asking for microcredit loans from financial institutions. Usual difficulties include low credit scores, unbaked situations, outstanding debts, informal employment situations, inability to showcase their payable capacity, and lack of financial guarantor. Moreover, SBOs often need help applying for microcredit loans due to the lack of information on how to proceed. The task of asking for a loan is a complex practice, and asymmetric power relationships might emerge, but that benefits micro-entrepreneurs only sometimes. In this paper, we interviewed 20 women entrepreneurs living in a low-income community in Brazil. We wanted to unveil value tensions derived from this practice that might influence the design of AI technologies for the public. In doing so, we used a conversational system as a probe to understand the opportunities for empowering their practices with the support of AI multimedia conversational systems. We derived seven recommendations for designing AI systems for evaluating micro-business health in low-income communities.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
