Share with your friends










Submit

Analytics Magazine

FICO predicts AI and blockchain will meet in 2018

Scott Zoldi, chief analytics officer at FICO, in his AI predictions for 2018, predicts the rise of “defensive AI” and manipulative chatbots. Blockchain will use AI to search through relationship data, Zoldi says, and defensive AI will be used to protect systems from malicious AI and machine learning. Adds Zoldi: Chatbots will get so good at understanding us they will learn how to manipulate us.

The growing use of blockchain technology in financial services will include a healthy dose of artificial intelligence, as new, automated analytic techniques look for patterns in the “relationship data” about people, contracts and transactions. That merger of two hot tech trends is one of the predictions made by Zoldi, a recognized expert in the field of artificial intelligence.

“Beyond its association with cryptocurrencies, blockchain technology will soon record ‘time chains of events,’ as applied to contracts, interactions and occurrences,” Zoldi wrote on the FICO Blog. “Think about renting a car. In the future, you will be able walk up to a car to lease it, but you’ll do so with a micro-loan for which you are approved to lease the car for, say, an afternoon. This micro-loan will have insurance contracts attached to the blockchain, and a codified history of the car’s history of drivers, events and maintenance. As you drive through the city and interact with toll roads and parking spaces, all of this information will be automatically recorded and monitored on the blockchain. When you leave the car and lock it, the lease is complete and auditable on the chain. These kinds of data event chains will create new opportunities for graph analytics and novel new AI algorithms to consume relationship data at scale.”

Zoldi, who leads the team that builds FICO’s AI analytics for solutions such as fraud management and cybersecurity, also sees a rise in what he calls “defensive AI.” “Attackers use malicious AI and ML to circumvent the protective systems companies have in place,” he wrote. “This arms race, in which criminals arm themselves with adversarial machine learning, tops McAfee’s 2018 security forecast. In 2018, we will see new systems that will seed their outputs with ‘faint signatures’ to mislead, confuse or identify the attackers learning the AI system’s response.”

As chatbots get smarter and use more AI, they will not only understand us better, they will also be better at manipulating us, Zoldi predicts. “By quickly understanding the tone, content and predicted highest-value conversational paths to meet various objectives, chatbots using AI can also learn the magic words to sway our attitude, actions and possibly elicit en masse reactions,” he wrote.

Zoldi’s other predictions for AI in 2018:

  • AI will have to explain itself. “The need for Explainable AI (XAI) is catalyzed by regulations like the European Union’s General Data Protection Regulation (GDPR), which requires explanations for decisions based on scores, including those produced by AI and ML systems.”
  • AI will augment us. “Whether it’s drawing the information together for us to be superhuman at investigation, data recall or improving how we learn new topics, AI will augment our ability to process new information. The question will be as to whether our human brains will atrophy, improve or simply evolve to the rate and frequency of data.”
  • AI will get operationalized. “In 2018, companies will focus on operationalizing AI, particularly in the cloud, to more easily build, refine, deploy and enhance machine learning environments.”

 

Related Posts

  • 61
    Are there any hotter topics in the analytics community today than artificial intelligence (AI) and machine learning (ML)? If so, please let me know. Ironically, in 1991, when I began editing OR/MS Today (the membership magazine of INFORMS), AI and ML were also hot topics. At the time, Lionheart Publishing,…
    Tags: ai, intelligence, analytics, artificial, will
  • 58
    The winners of the first edition of the Dutch Data Science Awards, recently announced in Haarlem, included Quantib, data visualization expert Stef van den Elzen, AgroEnergy and CQM. AIMMS and AIMMS implementation partner ORTEC sponsored the awards along with EY, Lubbers De Jong, Microsoft and Motivaction. 
    Tags: data, intelligence, artificial, analytics
  • 53
    Car dashboards are simple visual indicators of a complex machine with many parts that performs a high-stakes task in a context of many overlapping, conflicting rules and goals: personal convenience, safety, minimum travel time, courtesy to other drivers and so on. The speedometer, perhaps one of the most important indicators,…
    Tags: data, analytics, will, intelligence, artificial
  • 51
    Features Forum: Anxiety over AI Now is the time to address misunderstandings regarding artificial intelligence to alleviate fears, before it’s too late. By Joseph Byrum The rise of self-service analytics As SSA gains momentum, the need for data governance increases in order to drive true business value going forward. By…
    Tags: analytics, data, intelligence, artificial, ai
  • 47
    Meaningful artificial intelligence (AI) deployments are just beginning to take place, according to Gartner, Inc. Gartner’s 2018 CIO Agenda Survey shows that 4 percent of CIOs have implemented AI, while a further 46 percent have developed plans to do so.
    Tags: ai, will, data, intelligence, artificial




Headlines

Finalists for 2018 Syngenta Crop Challenge announced

Syngenta and the Analytics Society of INFORMS this week announced the finalists for the 2018 Syngenta Crop Challenge in Analytics. Now in its third year, the competition aims to address the challenge of achieving global food security by fostering cross-industry collaboration between agriculture and advanced analytics experts. Read more →

International Conference to spotlight O.R., analytics and AI

The 2018 INFORMS International Conference will be held in the world-class International Convention Center (TICC) and the Grand Hyatt Taipei in beautiful Taipei City, Taiwan, on June 17-20. The conference theme is “A Better World Through Operations Research, Analytics and Artificial Intelligence.” The conference offers excellent opportunities to learn about the emerging O.R. and A.I. technologies and applications from more than 40 invited, sponsored and contributed clusters featuring more than 600 talks. Read more →

How math education can catch up to the 21st century

Big data analytics is increasingly becoming a trending practice that society is adopting, and Daniel Kunin, a scholar at Stanford University and the creator of the online platform, Seeing Theory, is using creative and innovative ways to teach statistics and probability relevant to a changing world. In a recent interview with CMRubinWorld, Kunin discusses math education today and how he believes it can be improved in order to both foster curiosity and be more relevant now and going forward. Read more →

UPCOMING ANALYTICS EVENTS

INFORMS-SPONSORED EVENTS

2018 INFORMS Conference on Business Analytics and Operations Research
April 15-17, 2018, Baltimore

CAP® EXAM SCHEDULE

CAP® Exam computer-based testing sites are available in 700 locations worldwide. Take the exam close to home and on your schedule:


 
For more information, go to 
https://www.certifiedanalytics.org.