How to build an unbiased AI?

17

October

2019

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Artificial intelligence (AI) is a technology that exists since 1956 and that is being used more and more in our daily life. For example, most of us already tried a voice recognition feature of a phone via a voice assistant, such as Siri or Alexa. The opportunities that these technologies are providing us with are huge and have the potential to revolutionize our daily life. AI has an increasing impact on our choices and its starting to be used in important decision steps, such as in the personnel recruiting processes or in medical predictions.

These positive aspects can bring the human knowledge to a superior level of development. Unfortunately, in the same time, AI is also posing important threats to our society. One of the issues is that machines can be biased or even discriminatory. The most famous example is Tay, developed by Microsoft. Tay, a chatbot services on twitter that within a few hours became a Hitler lovers. Another example comes from a beauty contest judged by a machine in which the winners were almost all white. More importantly, ProPublica found that Campas, an engine used to determine the eligibility for parole in the American justice system, was discriminatory towards African Americans. The system is almost twice as likely to label black defendants as potential repeat offenders.
All these results can be explained by our actual reality. In fact, AI is trained with data and data can at times present a distorted reality. For example, because the statistics show a higher percentage of Afro-Americans being convicted in the USA, the AI system will judge Afro-Americans potentially being more likely to repeat a crime and in this way it will deny them more often parole. Another example of potential bias comes from facial recognition systems. If a system of facial recognition is trained with pictures of white people, the system will be better at recognizing people from this race. In some areas of USA, the Police surveillance cameras are 5 to 10% less accurate in identifying African Americans than Caucasians. On contrary, a similar system made by Ease Casio better manages to better recognize East Asians than Caucasians. Furthermore, imagine also an AI machine being responsible of hiring decisions within a company. If the system is trained with the data from the successful employees of the company, the system will reject the people not fitting to the characteristic of these employees. Amazon created such a system, but then the system ended up choosing most of the time white men.

Looking all these examples, it seems that AI is sometimes condemned to be biased because, in many cases, it is built and trained with biased data. To overcome this problem, in developing an AI algorithm, a company should very carefully inspect the inputs that generate the final AI product and try always to diversify the origins of the input data. Moreover it would be useful to also consider the creation of a supervisory committee that can constantly check and update the AI, in order to make sure that there are no discriminatory decisions being taken or to correct for them in case they occur.

While at first sight this solution seems to be relatively easy to implement, when zooming into the problem, the solution doesn’t appear anymore to be so easily implementable. This is because AI is becoming increasingly complex and the processes that form the final decisions are becoming harder to understand. Let`s take the example of Deep Patient, an AI that anticipate disease for patients of a hospital. This AI appears to be a better predictor than physicians. The AI could anticipate psychiatric disorders like schizophrenia and yet these illnesses are very hard for the physicians to predict. While this is good news, no one really knows how and why. Consequently, before letting AI decide the inmates` paroles or our medical prediction, we should try to make sure that we understand how these systems work and that they are trained to be unbiased.

References

Knight, W. (2017). Google’s AI chief says forget Elon Musk’s killer robots, and worry about bias in AI systems instead. [online] MIT Technology Review. Available at: https://www.technologyreview.com/s/608986/forget-killer-robotsbias-is-the-real-ai-danger/ [Accessed 17 Oct. 2019].

Knight, W. (2017). There’s a big problem with AI: even its creators can’t explain how it works. [online] MIT Technology Review. Available at: https://www.technologyreview.com/s/604087/the-dark-secret-at-the-heart-of-ai/ [Accessed 17 Oct. 2019].

Plomion, B. (2017). Council Post: Does Artificial Intelligence Discriminate?. [online] Forbes.com. Available at: https://www.forbes.com/sites/forbescommunicationscouncil/2017/05/02/does-artificial-intelligence-discriminate/#1c6c70a030bc [Accessed 17 Oct. 2019].

NowThisOriginals. (2019). Why Developing Ethical, Unbiased AI Is Complicated. [online] Available at: https://nowthisoriginals.com/videos/future/why-developing-ethical-unbiased-ai-is-complicated [Accessed 17 Oct. 2019].

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Invisible payments and how to define payment consent?

18

September

2019

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Did you already order something without being conscious of doing it? This can happen when you’re using for the first time Lyft or Amazon. Within just few clicks you are surprised that the payment was already made.

Various innovations happened in the last years making payments easier and faster. Amazon stands out as being one the best in this category. They were the first one to implement technologies that fully removed the action of payment. First, in 2015, they launched the Amazon dash buttons. This innovation enables you to buy a product of a certain brand from the Amazon platform by just pushing the button corresponding to the brand. Next, in 2018, Amazon opened the first Amazon go. This shop allows customers to enter, pick their favourites products and, exit without having to take any action to pay.

Currently, plenty of brands are trying to develop technologies that enable clients to pay quicker. One such example is the development of voice payments driven by the success of the virtual assistants like Alexa or Google home. You can already buy from Starbucks or the Amazon platform by just saying it to Alexa. According to Medici, 8%-10% of US customers have already used a form of voice payment at least once . A study from OC&C states that the value of voice-based should increase from $2 billion in annual payment volume in 2018 to $40 billion in volume by 2022.

In Europe, there are also developments and innovations in this sector. In France, the retail Brand Monoprix is developing an app to scan the product with your phone in order to make the payment. In the United Kingdom, the financial service provider Barclaycard created an app that allows you to “dine & dash”3. By tapping their phone on a colour-coded electronic totem at their table, the customers can at the end just leave the restaurant and the bill will be paid with the payment details they entered before.

One of the probable effects of these innovations will be the increased of the number and the value of payments made by each customer using these services. Already, a study shows that contactless payments (which already contribute to the invisibility of payments) increase the value of expenditure and impulse purchases : 59% of British consumers say that not having to hand over physical cash has led to them spending more at the tills, according to new research from credit checking service, 72% say digital payment methods such as Apple Pay and contactless credit cards have encouraged them to make more impulse purchases, suggesting a need for more people to consciously embrace new ways to keep track of their money4. An academic paper from 2008 shows also that the invisible payment methods influences our behaviour related trough spending money by diminishing the aversion and ‘the pain of paying’.5

This changes in the customer behaviour regarding money expenditures can be caused by the fact that through these easy payment’s method, the consciousness of paying is diminishing. Therefore, we should call for a debate to define what should be the criteria to define the payment consent. Such a debate already started in January 2019 in a court in Germany that rules than the Amazon dash button were illegal because the action of pushing a button is not sufficient to make an order. Indeed, the customer was not aware of basic information (prices, terms of sales, …) 6

Even if it seems that this sector is growing some methods are not working and already some of these payments methods were stopped by the companies as the Amazon Dash Buttons and the Google Hands Free app. Nevertheless, to reassure customers and to regulate these innovations, probably more debate and concerns will occur about payment consent and legislation should be implemented to clear rules regarding this matter.

 

References

1 Mandal D. (2018) The Rise of the Voice Payments Ecosystem. [online] Medici. Available at: https://gomedici.com/rise-of-voice-payments-ecosystem

2 OC&C Strategy Consultants, (2018). Voice Shopphing set to Jump to $40 Billion By 2022, Rising From $2 Billion Today [online] Cision. Available at : https://www.prnewswire.com/news-releases/voice-shopping-set-to-jump-to-40-billion-by-2022-rising-from-2-billion-today-300605596.html

3 Fin Extra (2018) Barclaycard invites restaurant customers to ‘Dine & Dash’. [online] Fin Extra. Available at : https://www.finextra.com/newsarticle/31738/barclaycard-invites-restaurant-customers-to-dine–dash

4 Lewis R, (2016). Contactless Payments “cause brits to overspend”. [Blog] Money Watch – Personal Finance Blog. Available at : https://money-watch.co.uk/10913/contactless-payments-cause-brits-overspend

5 Raghubir, P., and Srivastava, J. (2008). Monopoly money: The effect of payment coupling and form on spending behavior. Journal of Experimental Psychology: Applied, 14(3), 213-225. Available at https://psycnet.apa.org/record/2008-12802-002

6 The Conversation (2019). Amazon’s Dash Butoons, now banned in Germany, would also push legal limits in Australia. [online] The Conversation. Available at : https://theconversation.com/amazons-dash-buttons-now-banned-in-germany-would-also-push-legal-limits-in-australia-111632

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