Essays and dated LinkedIn posts by David R. Hardoon.https://davidroihardoon.com/en-gbhttps://davidroihardoon.com/writing/li-7525734446147502080/https://davidroihardoon.com/writing/li-7525734446147502080/2% give them broad autonomy. That is not a technology gap. It is a trust and accountability gap. The hard part is which autonomy you can defend when something goes sideways.Tue, 10 Nov 2026 00:00:00 GMThttps://davidroihardoon.com/writing/li-7523592235137802240/https://davidroihardoon.com/writing/li-7523592235137802240/Most people still treat agent “misbehavior” as a bug to fix.Thu, 05 Nov 2026 00:00:00 GMThttps://davidroihardoon.com/blog/f/ais-silent-fracture-reconciling-ambition-with-execution/https://davidroihardoon.com/blog/f/ais-silent-fracture-reconciling-ambition-with-execution/Executive Summary In an era where AI investments surpass $30-40 billion annually across enterprises, the gap between ambition and execution remains…Mon, 22 Dec 2025 00:00:00 GMThttps://davidroihardoon.com/blog/f/podcast-on-trustworthy-ai/https://davidroihardoon.com/blog/f/podcast-on-trustworthy-ai/What is trustworthy AI? It’s human-centered, it’s ethical. And it drives results. I had the pleasure of discussing the topic and sharing my personal…Thu, 13 Jan 2022 00:00:00 GMThttps://davidroihardoon.com/blog/f/podcast-on-algorithmic-decisions-the-financial-industry/https://davidroihardoon.com/blog/f/podcast-on-algorithmic-decisions-the-financial-industry/With Hardeep Arora and Kelly ForbesMon, 04 Oct 2021 00:00:00 GMThttps://davidroihardoon.com/blog/f/estimating-the-value-of-data/https://davidroihardoon.com/blog/f/estimating-the-value-of-data/coauthored with Shubhangi Agawal and Sri Siva ShankarMon, 23 Aug 2021 00:00:00 GMThttps://davidroihardoon.com/blog/f/the-moral-ai/https://davidroihardoon.com/blog/f/the-moral-ai/Can AI be moral? In my opinion, no. Should this prevent us from establishing how to morally use AI? Absolutely not. In fact, the absence of AI moral…Wed, 12 May 2021 00:00:00 GMThttps://davidroihardoon.com/blog/f/data-for-well-being---a-paradigm-of-awareness/https://davidroihardoon.com/blog/f/data-for-well-being---a-paradigm-of-awareness/Co-authored with Kwang Lin Wong and Dr. Yvonne LohMon, 19 Apr 2021 00:00:00 GMThttps://davidroihardoon.com/blog/f/a-digital-opportunity-to-transform-financial-reporting/https://davidroihardoon.com/blog/f/a-digital-opportunity-to-transform-financial-reporting/Co-authored with Viswanathan (Vishu) NamasivayamFri, 30 Oct 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/digital-currencies-the-time-is-now/https://davidroihardoon.com/blog/f/digital-currencies-the-time-is-now/Exponential progress in efficiency, productivity, governance, and customer experience is making more apparent the advantages of digital currencies. As we…Tue, 13 Oct 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/ai-is-not-the-enemy-here/https://davidroihardoon.com/blog/f/ai-is-not-the-enemy-here/by Crystal Wu Interviewing Theodoros Evgeniou, David R. Hardoon and Anton OvchinnikovTue, 29 Sep 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/is-digital-identity-solved/https://davidroihardoon.com/blog/f/is-digital-identity-solved/Co-authored with Maria Francesca MontesMon, 17 Aug 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/what-happens-when-ai-is-used-to-set-grades/https://davidroihardoon.com/blog/f/what-happens-when-ai-is-used-to-set-grades/co-authored with Theodoros Evgeniou and Anton OvchinnikovMon, 17 Aug 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/leveraging-ai-to-battle-this-pandemic-%E2%80%94-and-the-next-one/https://davidroihardoon.com/blog/f/leveraging-ai-to-battle-this-pandemic-%E2%80%94-and-the-next-one/co-authored with Theodoros Evgeniou and Anton OvchinnikovMon, 13 Jul 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/oversight-ai-ai-to-control-ai/https://davidroihardoon.com/blog/f/oversight-ai-ai-to-control-ai/Co-authored with Karthik Bharadwaj, cross-posted blogFri, 19 Jun 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/consumer-protection-toward-a-smart-disclosure-regime/https://davidroihardoon.com/blog/f/consumer-protection-toward-a-smart-disclosure-regime/Co authored with Nydia Remolina, Aurelio Gurrea-Martínez, and Yvonne, Ai-Chi LohTue, 26 May 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/podcast-a-new-paradigm-or-history-repeating-itself/https://davidroihardoon.com/blog/f/podcast-a-new-paradigm-or-history-repeating-itself/I have had the pleasure to discuss with Chloe Cho, international journalist and moderator, on her Brilliant Media podcast on the new normal that we may…Fri, 22 May 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/balancing-data-policies-what-covid-19-taught-us/https://davidroihardoon.com/blog/f/balancing-data-policies-what-covid-19-taught-us/co-authored with Theodoros Evgeniou and Anton OvchinnikovTue, 19 May 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/seeking-trust-in-ai/https://davidroihardoon.com/blog/f/seeking-trust-in-ai/We want fairness in our lives. Driven largely by model behaviour that has touched an exposed nerve in our collective cultures and the growing awareness…Mon, 18 May 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/ai-supervision---a-101-guideline/https://davidroihardoon.com/blog/f/ai-supervision---a-101-guideline/The increasing adoption of artificial intelligence (AI) has seen an anticipated parallel rise in calls for AI control, governance and supervision. As a…Sat, 16 May 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/podcast-ai-explanability-and-what-it-means-to-be-a-data-artist/https://davidroihardoon.com/blog/f/podcast-ai-explanability-and-what-it-means-to-be-a-data-artist/In conversation with Dr Vishnu Nanduri - Listen to the Podcast.Fri, 15 May 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/frt-episode-66-covid-19-and-data-policy/https://davidroihardoon.com/blog/f/frt-episode-66-covid-19-and-data-policy/What are the key issues in data policy, and how these will be shaped by the current COVID-19 experience. Furthermore what are other key issues in data…Fri, 08 May 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/the-real-value-of-using-machine-learning-in-financial-markets/https://davidroihardoon.com/blog/f/the-real-value-of-using-machine-learning-in-financial-markets/Co-authored with Dan LiebauSat, 07 Mar 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/regulating-digital-technology/https://davidroihardoon.com/blog/f/regulating-digital-technology/David Hardoon from MAS and StanChart’s Shameek Kundu offer perspectives on the implications of emerging innovations, on and beyond the financial…Sat, 29 Feb 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/the-impact-of-telematics-data-on-motor-insurance/https://davidroihardoon.com/blog/f/the-impact-of-telematics-data-on-motor-insurance/Co-authored with Dr. Vishnu Nanduri and cross-posted on vishnunanduri.comWed, 12 Feb 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/contextual-explainability/https://davidroihardoon.com/blog/f/contextual-explainability/Artificial Intelligence (AI) has been steadily moving to the forefront of technological innovation, firmly embedding itself as the main differentiator…Tue, 11 Feb 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/the-real-minority-report/https://davidroihardoon.com/blog/f/the-real-minority-report/Advancements in AI combined with increasing availability of behavioural data has made pre-crime a possibility. This is the ability to predict a future…Sun, 09 Feb 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/welcome-remarks-for-address-by-under-secretary-mcintosh/https://davidroihardoon.com/blog/f/welcome-remarks-for-address-by-under-secretary-mcintosh/Event at the Sim Kee Boon Institute for Financial Economics at Singapore Management University on 6th of February 2020.Thu, 06 Feb 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/the-accountability-of-ai/https://davidroihardoon.com/blog/f/the-accountability-of-ai/Co-authored with Dr. Yvonne, Ai-Chi LohFri, 24 Jan 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/asymmetry-of-open-banking/https://davidroihardoon.com/blog/f/asymmetry-of-open-banking/Open banking, as defined by openbanking.org.uk, is the secure way to give providers access to your financial information. The site states that "[open…Sat, 18 Jan 2020 00:00:00 GMThttps://davidroihardoon.com/blog/f/the-analogue-choice-in-the-digital-age/https://davidroihardoon.com/blog/f/the-analogue-choice-in-the-digital-age/In early 2018, a fitness tracking app that uses GPS to track a subscriber’s exercise activity published a “heatmap” showing the exercise paths its users…Mon, 13 Jan 2020 00:00:00 GMT