Desafíos actuales de la Inteligencia Artificial

Analysing the interplay between data spaces and article 10 of the AI act: a case study of ... 81 taken into consideration. In our case study, this means that the role of the European Banking Authority as well as of the European Data Protection Board might prove to be crucial to har- monise these two regulatory frameworks, establishing guidelines on the process to obtain and use the data from the data space and controlling that the data is adequately utilised. We consider that the benefits emerging from allowing the use of such data can out- weigh the risks from not allowing its use considering that if nothing is done, creditworthi- ness assessment AI systems will continue to present avoidable discriminatory outcomes. It could be argued that enabling the use of creditworthiness AI systems without granting access to data that could be used to tackle bias (implementing always the proper safe- guards) fosters a consolidation of further financial exclusion rather than a promotion of financial inclusion. 6. REFERENCES AGGARWAL, Nikita: “The norms of algorithmic credit scoring.” The Cambridge Law Journal (2021) 80(1), pp. 42–73 https://doi.org/10.1017/S0008197321000015 BALAYN, Agathe, and GÜRSES, Seda: “Beyond debiasing. Regulating AI and Its Ine- qualities”. European Digital Rights (2021). https://edri.org/wp-content/uploads/2021/09/ EDRi_Beyond-Debiasing-Report_Online.pdf BELLUCCI, Andrea et al .: “Does gender matter in bank–firm relationships? Evidence from small business lending”. J Bank Financ. (2010) 34(12), pp. 2968–2984 https://doi. org/10.1016/j.jbankfin.2010.07.008 BICHARRA GARCIA, Ana Cristina: “Algorithmic discrimination in the credit domain: what do we know about it?”, AI & Soc (2023). https://doi.org/10.1007/s00146-023-01676-3 BIASIN, Elisabetta., YASAR, Burcu, and KAMENJASEVIC, Erik: “New cybersecurity requirements for medical devices in the EU: the forthcoming European health data space, data act, and artificial intelligence act”. Law, Tech. & Hum. (2023) 5(2), pp. 43-58. https://doi. org/10(5)204/lthj.3068 CHOMCZYK PENEDO, Andrés: “The Regulation of Data Spaces under the EU Data Strategy: Towards the ‘Act-ification’ of the Fifth European Freedom for Data?” European Journal of Law and Technology (2024) 15(1), pp. 1-26. https://www.ejlt.org/index.php/ejlt/ article/view/995/1088 CHOMCZYK PENEDO, Andrés and TRIGO KRAMCSÁK, Pablo: Can the Europe- an Financial Data Space remove bias in financial AI development? Opportunities and regula- tory challenges, International Journal of Law and Information Technology (2023) 31(3), pp. 253–275, https://doi.org/10.1093/ijlit/eaad020 CLARKE, Kevin A., and ROTHENBERG Lawrence S.: “Mortgage pricing and race: evidence from the northeast”. Am Law Econ Rev. (2018) 20(1), pp. 138–167. https://doi. org/10.1093/aler/ahx021