Yale University, Yale University, Yale University, Georgia Institute of Technology, Columbia University, California State University Monterey Bay, Yale University, affiliation not provided to SSRN, University of Montreal, Carnegie Mellon University, affiliation not provided to SSRN, Columbia University, Columbia University, Columbia University, Columbia University, Nanjing Audit University, Nanjing Audit University, Yale University, The Fin AI, Harvard University, Columbia University - Fu Foundation School of Engineering and Applied Science, The Fin AI and University of Montreal