While everyone is quick to jump onto the Machine Learning trend, is it really safe to implement within the financial services sector with so many issues surrounding the regulatory and ethical side of utilizing machines to make human decisions? Overcoming the issues faced when explaining outcomes that may be discriminatory which can damage a company’s reputation Is Machine Learning really needed to automate financial processes or does the negativity around ethical considerations enough to reconsider? Can regulatory bodies ever be confident enough in the decisions made by the machines to allow ML to really progress in financial services? Looking towards ensuring transparency in the models decision making process to determine if it is suitable for deployment in financial decisions