DIN SPEC 91512:2025-09

This DIN SPEC has been prepared by a DIN SPEC consortium (temporary committee) in the course of the PAS procedure. The preparation and adoption of this DIN SPEC has been carried out by the authors named in the foreword. This document applies to AI applications in the context of financial services. This document specifies the following: - a process for identifying appropriate concepts and metrics of fairness (for AI applications) in the financial sector; - a specific understanding of fairness may vary from person to person or depending on the situation and therefore cannot be formulated in universal terms; - to this end a basic framework for application- and situation-specific measurements and justifications in the context of financial services in practice shall be proposed, including: - a justification for the use of concepts such as equal treatment, equal rights, and equality; - relevant aspects of good measurement and justification of all concepts used; - assessment of proportionality with regard to results and expenditure; - handling of measurement results (evaluation, explanation, communication, need for action); - acceptable framework conditions for unequal treatment; - a collection of methods for operationalizing the identified concepts (for example, via fairness measurements). Identification of the respective strengths, weaknesses, and limitations of the operationalization approaches; - exemplary illustration of the process using relevant use cases. Moreover, in the context of its use cases, this document is limited to: - classification systems (excluding scorers and generative systems), - group fairness measures (excluding individual fairness and alternative fairness measurements). This document does not describe processes for adapting AI-based systems in order to meet fairness requirements.