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Ethical Challenges and Governance of AI in Healthcare, Education, Finance, and Security Sectors
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Author(s): Altaf Osman Mulani (SKN Sinhgad College of Engineering, India), Vaibhav V. Godase (SKN Sinhgad College of Engineering, India), Swapnil R. Takale (SKN Sinhgad College of Engineering, India)and Rahul G. Ghodake (SKN Sinhgad College of Engineering, India)
Copyright: 2026
Pages: 32
Source title:
Navigating Social Trust in the AI Era
Source Author(s)/Editor(s): Debabrata Samanta (Rochester Institute of Technology, Kosovo)
DOI: 10.4018/979-8-3373-7011-8.ch006
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Abstract
This study investigates the ethical challenges and governance mechanisms of Artificial Intelligence (AI) across healthcare, education, finance, and security sectors. Using a mixed-method approach combining expert interviews, surveys, and policy analysis, the research identifies key ethical dimensions—fairness, accountability, transparency, and privacy (FATP). Results reveal varying ethical maturity levels, with healthcare showing higher compliance and security facing greater ethical risks. A validated Ethical Governance Framework for AI (EGF-AI) is proposed to guide sectoral and cross-sectoral governance through ethics-by-design, algorithmic audits, and stakeholder participation. The study emphasizes the need for adaptive, human-centered, and globally coherent AI governance systems.
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