Digital Commons Network^™

Regulating Robo-Advisors In An Age Of Generative Artificial Intelligence, Daniel Schwarcz, Tom Baker, Kyle Logue

Articles

New generative artificial intelligence (“AI”) tools can increasingly engage in personalized, sustained, and natural conversations with users. This technology has the capacity to reshape the financial services industry, making customized expert financial advice broadly available to consumers. However, AI’s ability to convincingly mimic human financial advisors also creates significant risks of large-scale financial misconduct. Which of these possibilities becomes reality will depend largely on the legal and regulatory rules governing “robo-advisors” that supply fully automated financial advice to consumers.

This Article consequently critically examines this evolving regulatory landscape, arguing that current U.S. rules fail to adequately limit the risk that …

"Not A Victimless Crime": A Comparison Of Global Regulatory Frameworks And The Future Of The International Community's Response To Artificial Intelligence Crime, Blake Morrow

Loyola University Chicago International Law Review

The international community continues to implement regulations on artificial intelligence (Al). Fueled by AI's burgeoning generative ability, the technology's growth presents a heightened risk that bad actors will use Al systems to facilitate crimes or produce harmful content, including the production of child sex abuse materials (CSAM).

Despite this heightened risk, countries and other regulatory bodies struggle to balance the benefits of Al innovation against limiting any potential dangers. Moreover, with no uniform international regulations on Al and very little guidance from international leaders, the global Al regulatory landscape remains a fragmented patchwork of domestic approaches that limit international cooperation. …

I Love You, But I’Ve Got To Cancel You: Psychological Determinants And Consequences Of Cancel Culture Participation, Rebecca Tukachinsky Forster, Daniel H. Spitz

Communication Faculty Articles and Research

This study explores how individuals react to celebrities who take a political stance that contradicts and threatens their social identity. An online experiment examines these questions in the context of the Israeli war against Hamas in the wake of the October 7 terror attack. Israeli Jewish participants who were led to believe that a beloved celebrity fully embraced the Palestinian’s narrative and condemned Israel experienced more negative and less positive emotions and had a greater intention to cancel the celebrity. However, writing a comment or a social media post (particularly if the comment bashed the celebrity) partially buffered these emotional …

Us V. Mcgee, Southern District Of Alabama

Historical and Topical Legal Documents

No abstract provided.

Fair Play Or Financial Power? Examining The Competitive Impact Of Foreign Investment In European Football, Emma M. Fogg

Scripps Senior Theses

Football is not only the most popular sport in Europe but also fundamental to driving local and international economies due to the heavy influence fans have on driving ticket sales, team merchandise purchases and media rights. In the last twenty years, it has become increasingly popular for wealthy capital groups or businessmen from outside Europe to buy clubs and give teams a large influx of capital. Fans and players alike have grown worried that this type of new ownership will change the football world for the worse because teams with foreign investment can outspend their opponents for the best players. …

Criminal Defenses In The Age Of Ai: An Examination Of How Technological Advancements Are Challenging Traditional Duress And Mistake Of Fact Defenses, Lauren Lepage

Honors Undergraduate Theses

AI has rapidly evolved into a defining force of modern life, transforming industries by automating tasks, streamlining workflows, and enhancing everyday experiences. However, the same advancements, especially in deepfakes, now enable highly convincing manipulation of audio, images, and video, blurring the line between truth and fabrication. As these technologies grow more accessible, they not only reshape digital interactions but also challenge core principles of criminal law and culpability. This research examines the rapid advancement of Artificial Intelligence (AI) and deepfake technology and analyzes the challenges they pose to traditional criminal defenses. Employing a doctrinal legal research approach, it evaluates statutory …

Insights In Cybersecurity Of A Smart Campus - A Review, Mircea Ţălu

Journal of Cybersecurity Education, Research and Practice

The profound impact of the Internet of Things (IoT) on various fronts, is driven by technological advancements, the ubiquitous spread of information, and the emergence of transformative events. IoT presents a diverse array of possibilities within university environments, fostering a more connected and enhanced educational experience. This research undertakes a comprehensive review of existing literature to provide context to the IoT and underscore its crucial significance in the realm of smart campuses. Additionally, the paper explores the intricate connections between IoT and key concepts such as cybersecurity and wireless sensor networks to present a holistic perspective. It delves into the …

From Beginning To Center Field Spotlight: Celebrating 35 Years Of Nsli/Cas Olympic Sport & Arbitration, Richard Mclaren, Sammie Cheng

Marquette Sports Law Review

No abstract provided.

Improving Detection Capabilities Of Traditional Machine Learning (Ml) Algorithms Against Data Poisoning Attacks On Image Data, Sabrina Perry

Electronic Theses and Dissertations

Machine learning (ML) algorithms play a critical role in automated decision-making systems across domains such as healthcare, finance, and autonomous systems. However, these models are increasingly vulnerable to adversarial threats, particularly poisoning attacks that manipulate training data without the knowledge of the ML developers. As ML models are often trained on publicly available data, data poisoning is trivial for attackers to perform, with no way to determine if training data is legitimate, poisoned during data collection, or poisoned during training in the current ML training pipeline.

This dissertation investigates data poisoning attacks, with a focus on label flipping and gradient …

Criminal Investors, Andrew K. Jennings

Faculty Articles

This Article reassesses the culpability of those who invest in law-breaking firms. Prosecutors currently treat investors as victims of corporate wrongdoing rather than as actors who might bear responsibility for it. This Article observes, though, that investment can facilitate, and even cause, illicit corporate activity. When investors intentionally contribute to those effects, substantive criminal law imposes liability on them just the same as it does on accomplices, conspirators, or principals in other contexts. Despite this formal parity, however, investor criminal liability is more a theoretical proposition than a practical reality.

This Article questions that status quo by asking whether and …

Least Squares Support Vector Data Description With Adaptive Optimizers, Daniel Markwei

Graduate Thesis and Dissertation post-2024

One-class classification has emerged as a powerful technique for data description, enabling a model to learn exclusively from data belonging to a single (target) class. By focusing solely on patterns within this class, this classification procedure is implemented in order to successfully assess whether incoming input deviates or is part of the target group. This approach develops a sophisticated understanding of the defining characteristics of the target data in relation to other groups. Consequently, any data point that deviates from the target group is flagged as an anomaly because it diverges from the learned distribution. One way to explore the …

Alumni Spotlight - Ryan Rummage, Jacob Anderson

Tenor of Our Times

No abstract provided.

Policing The Perils Of Online Dating: Harassment, Scams, Dark Patterns, Monopoly, And Perverse Incentives, Kevin Chamow

Student Works

No abstract provided.

Credit Card Fraud Detection., Sonia Ndonga

ICT

This capstone project applies machine learning to detect credit card fraud, addressing a critical financial threat to banks and payment providers. Using an anonymised dataset of 284,807 transactions, which is highly imbalanced with only 0.172% fraudulent cases, three models—Logistic Regression, Random Forest, and Gradient Boosting—were developed and evaluated. The pipeline incorporates data preprocessing, feature engineering, hyperparameter tuning, cross-validation, and interpretability analysis using SHAP values, SHAPASH, and permutation importance. Random Forest achieved the highest performance with an ROC AUC of 0.97 and Average Precision of 0.66. The study also considers fairness, threshold optimisation, and practical deployment strategies, providing a robust automated …

Enhancing Financial Fraud Detection Using Explainable Deep Learning Models On Simulated Big Data Architectures: A Comparative Analysis With Traditional Methods., Aoife Yang

ICT

Financial fraud poses a growing global challenge, driven by the rapid expansion of digital banking, e-commerce, and mobile payments. Traditional rule-based and early machine learning systems struggle to detect novel and sophisticated fraud patterns in real time. This research investigates the integration of deep learning, explainable artificial intelligence (XAI), and big data technologies to enhance financial fraud detection. A scalable data pipeline is proposed to process large volumes of transactional data, improve detection accuracy, and provide interpretable insights for stakeholders. The study highlights the potential of combining advanced AI techniques with explainability to strengthen the transparency, effectiveness, and trustworthiness of …

How To Catch A Con: The Rhetorical Strategies Of Fraudulent Political Leaders, Lukas Huntington

CMC Senior Theses

The United States faces persistent challenges in controlling political fraud. Government agencies exhibit the second-highest fraud rate of any industry, and corruption levels have only worsened over the last decade, contributing to declining public trust in national leadership. Current fraud detection efforts generally catch late-stage, large-scale fraud, highlighting the need for earlier-detection mechanisms. One way this could be accomplished involves identifying rhetorical patterns that are commonly used by political frauds in order to flag high-risk individuals. Leaning on the Theory of Planned Behavior, it was hypothesized that political frauds would exhibit more rhetorical appeals to fear, blame, pathos, and self-promotion …

The Influence Of Trustee Orientation On Endowment Performance, Seth Walker

College of Graduate Studies: Theses & Dissertations

This study investigated the relationship between trustee orientation and endowment performance at higher education institutions (HEIs) in the United States. Trustees play a vital fiduciary role in managing institutional endowments, which have become increasingly essential due to declining public funding and rising operational costs. Despite trustees’ critical responsibilities, limited research exists on how orientation practices may influence their effectiveness in endowment oversight. Therefore, the purpose of the study was to develop an instrument to assess the scope and quality of trustee orientation processes and then to compare the results of that scale to ratings on the 2022 NACUBO-TIAA Study of …

Are We Safe In The Digital World? Why We Still Fall Victim To Cybercrime, Kevin Le

Honors Papers and Posters

Cybersecurity has only recently gained press coverage as millions of individuals are victimized by cyberattacks. While current cybersecurity measures offer some protection, human error has been the number one cause of cyberattacks for the past eight years (Verizon, 2024). Cybercrime continues to evolve in complexity, leveraging advanced technology and human psychology to bypass traditional security systems. This study examines why individuals still fall victim to cyberattacks. It explores the psychological and cognitive factors that make individuals vulnerable, focusing on social engineering techniques such as phishing and pretexting. This study also analyzes factors from psychological theories, including Protection Motivation Theory, Routine …

The Effectiveness Of Using Machine Learning Techniques To Improve Online Education Advantages, Challenges, And Barrier, M. Samir Abou El-Seoud

Computer Science

In this paper, we are going to analyze the effectiveness of using machine learning (ML) techniques to improve online education. Nowadays, numerous universities and online education providers have expanded their offerings. For the uninitiated, we can simply refer to online education as distance learning facilitated through the Internet and a computer. Online education, as a component of distance learning, is gaining popularity due to its offerings. In recent years, online education has become an important part of contemporary education. It's important because it allows students to learn or get access to study materials without attending a conventional class at a …

Lawyers And The Abuse Of Government Power, Margaret Tarkington

University of Michigan Journal of Law Reform

The legal profession needs to amend the rules of professional conduct to protect our constitutional system of government from those most likely to effectively undermine it: lawyers. The historic federal indictment against President Donald Trump for conspiring to stay in power after losing the 2020 presidential election included five attorney co-conspirators: Rudy Giuliani, John Eastman, Sidney Powell, Jeffrey Clark, and Kenneth Chesebro. Eight lawyers were indicted in Georgia on similar charges.

Lawyers weren’t just involved in Trump’s plot; they devised and enabled it. Rather than accurately advise Trump that he had lost and needed to concede, lawyers crafted a plan …

Deep Learning-Driven Biometric Security: Advancing Liveness Detection And Anti-Spoofing Techniques, Banafsheh Adami

Graduate Theses, Dissertations, and Problem Reports (ETD)

Biometric authentication has become a key part of our everyday lives—from unlocking smartphones with a fingerprint or face to verifying identities in banks and airports. These systems rely on our unique physical or behavioral traits, making them both convenient and secure. Unlike passwords, biometrics cannot be forgotten or stolen in the traditional sense. However, they are not without risk. One of the biggest concerns is spoofing: attempts by attackers to fool systems using fake biometric traits, such as silicone fingerprints or AI-generated videos.

As generative AI tools become more powerful and accessible, the ability to create convincing fake biometric data …

Judge Ai: Assessing Large Language Models In Judicial Decision-Making, Eric A. Posner, Shivam Saran

Coase-Sandor Institute for Law & Economics Research Paper Series

Can large language models (LLMs) replace human judges? By replicating a prior 2 x 2 factorial experiment conducted on 31 U.S. federal judges, we evaluate the legal reasoning of OpenAI’s GPT-4o. The experiment involves a simulated appeal in an international war crimes case, with two altered variables: the degree to which the defendant is sympathetically portrayed and the consistency of the lower court’s decision with precedent. We find that GPT-4o is strongly affected by precedent but not by sympathy, similar to students who were subjects in the same experiment but the opposite of the professional judges, who were influenced by …

Corruption Perception, Institutional Quality And Stock Prices: Evidence From The Egyptian Capital Market, Rasha Elbolok, Gina Eltabei, Dina Hassouna

Business Administration

This study examines the impact of institutional quality and corruption perception on stock prices in the Egyptian capital market, with a focus on the post-revolution period from to . Using the Generalized Method of Moments (GMM) methodology, this study provides empirical evidence on the significant role of macro-political factors and firm-specific variables in shaping stock market dynamics. The findings reveal that institutional quality, characterized by governance efficiency, regulatory frameworks, and the rule of law, positively correlates with stock prices. Similarly, enhanced corruption perception control significantly boosts investor confidence, leading to increased market valuations. Firm-level factors such as Tobin’s Q and …

The Importance Of Astronomy: Practical And Fundamental Aspects, Bailey N. Rossetti

Integrated Studies

Astronomy is both a field that answers fundamental theories and questions about our universe, while also advancing practical innovations that are used today. Astronomy analyzes questions about life beyond planet Earth and explores how planets, galaxies, and stars form. From early stargazers who only depended on stars for timekeeping and navigation to new advances in telescopes and space missions, astronomy has deepened the knowledge of humans for centuries. Astronomy has also supplied us with ways to track time, make calendars, and use navigation such as GPS systems. Beyond expanding discoveries, astronomy created technologies with wide-ranging features-- including medical imaging, satellite …

“Move Fast And Break Things”: Innovation, Stability, And Trust In The Growth Of Revolut., Belen Blanco Mendoza

Business ETD Collections

In this research project, I chose to examine the strategies used in the growth of the fintech Revolut, namely the ’move-fast-and-break-things’ strategy that was employed at the beginning of the company. With this in mind, I decided on two Research Questions, “With the benefit of hindsight, and a focus on problems caused by low security and poor customer support, is Revolut’s ‘move fast and break things’ philosophy a good strategy for the business?” and “Will Revolut’s new fraud prevention strategies, and advances in AI help recover the lost goodwill caused by their earlier ineffective strategies?”, which guided me …

Founder Worship, Effective Altruism, And Corporate Governance, Jennifer S. Fan, Xuan-Thao Nguyen

Law Faculty Research and Publications

Founders are the heart of any startup. Oftentimes, they are given considerable latitude in managing a company, particularly if they are hailed as a visionary founder in a pathbreaking new industry. Additionally, it is assumed that underpinning their actions is the desire to do good. Unfortunately, sometimes this leads to what we term founder worship where the promise of the founder and the innovation may lead to perverse outcomes because too much control is ceded to the founder and there is a lack (or sometimes complete absence of) corporate governance. When unlimited control is coupled with "do gooderism," which in …

Turning A Blind Eye: The United States' Failure To Fill In Whistleblower Policy Gaps Amid Global Reform, Nicolette Saddic

California Western International Law Journal

No abstract provided.

News Mediated Reporting And Governmental Narratives About The Enforcement Of Elite Criminality: Exploring The Social Construction Of Financial Frauds And Discrepancies In Punishment, Dominic J. Zicari

Theses and Dissertations

This study examines how financial crime enforcement decisions are socially constructed through a qualitative content analysis of news articles and government communications pertaining to two specific cases: the Enron scandal of 2001 and the subprime mortgage crisis of 2008. The study was guided by a theoretical framework that utilizes Barak’s (2017) theory of state-routinized crime control. The rigorous analysis of 394 news articles and government communication documents revealed that the media and the state rarely framed the subprime mortgage crisis as a criminal issue. Although the Enron scandal was frequently described as financial crime, journalists and government communicators were often …

Everything New Is Old Again: The Coming Metaverse, Platforms As Premises, And Addressing Harms That Occur Behind The Veil Of Scale, Lara Putnam, Jena Martin

Faculty Articles

Increasingly, social media companies have engaged in the creation, development, and deployment of "worlds" within a virtual reality setting, leading to significant interactions among users within these engineered spaces. However, this expansion has also been accompanied by harms. While some harms are unique to immersive reality technology, many mirror harms that occur in the analog environment, including fraud, theft, verbal abuse, and child sexual exploitation. Others replicate harms that have already exploded in non-immersive online spaces, including image-based sexual exploitation, cyberstalking, and invasion of privacy. Unfortunately, the architecture and infrastructure of these spaces has created what we coin here to …

The Swiping Desire: Intimacy, Libidinal Capitalism, And The Digital Subject In The Tinder Swindler, Chanif Ainun Naim

Masyarakat: Jurnal Sosiologi

This article examines how dating applications operate as libidinal infrastructures that restructure and commodify intimacy within platform capitalism, using The Tinder Swindler as a cultural case study. Employing a visual-narrative approach within the framework of Critical Discourse Analysis, the film is analyzed to reveal the structural exploitation of user affect and desire. Grounded in Lacanian psychoanalysis and Baudrillard’s simulation theory, the study argues that these platforms capitalize on the subject’s ontological lack (manque) which fuels desire as the desire for the Other’s desire. This psychic lack sustains a perpetual pursuit of recognition that can never be fulfilled. The swindler’s hyper-curated …