diskriminasi adalah masalah di bank

Diketahui bahwa kecerdasan buatan memiliki masalah prasangka rasial, ditemukan baik dalam program pengenalan wajah maupun pada program yang mengidentifikasi suara.

Sujet a lire : Apakah "Como Se Fosse a Primeira Vez" berdasarkan kisah nyata?

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Namun, diyakini bahwa bias ini bisa menjadi lebih serius jika menyangkut layanan perbankan dan keuangan. Ini karena data yang digunakan untuk melatih kecerdasan buatan tidak cukup diproses.

Baca juga:

Menurut Deloitte multinasional, sistem AI hanya sebagus data yang mereka terima. Artinya, informasi yang tidak lengkap dan tidak representatif serta bias tim pelatihan dapat membatasi objektivitas sistem.

Menurut Nabil Manji, Kepala Crypto dan Web3 di Worldpay oleh FIS, ada dua variabel yang perlu dipertimbangkan saat mengevaluasi apakah produk AI itu bagus.

“Salah satunya adalah data yang dapat dia akses dan yang kedua adalah seberapa bagus model bahasa besar itu. Itu sebabnya sehubungan dengan data, Anda melihat perusahaan seperti Reddit dan lainnya yang telah mengumumkan kepada publik dan mengatakan mereka tidak akan mengizinkan perusahaan untuk mengorek data mereka, Anda harus membayar mereka untuk itu," kata Manji.

Contoh bagaimana sistem kecerdasan buatan dapat mereproduksi bias adalah dalam penilaian pinjaman. Menurut Angle Bush, pendiri organisasi “Black Women in Artificial Intelligence”, ada risiko bahwa sistem akan mereplikasi bias yang ada dalam data yang digunakan untuk melatih algoritme.

"Hal ini dapat mengakibatkan penolakan pinjaman otomatis untuk individu dari komunitas yang terpinggirkan, memperkuat perbedaan ras atau gender," jelas Bush.

Terlepas dari keseriusan masalahnya, Kim Smouter, direktur kelompok Jaringan Eropa Melawan Rasisme, menunjukkan bahwa sangat sulit untuk membuktikan bahwa telah terjadi diskriminasi oleh AI. Artinya, analisis sistem bersifat objektif tetapi didasarkan pada data yang bias.

Misalnya, Apple dan Goldman Sachs telah dituduh memberi wanita batas yang lebih rendah pada Kartu Apple. Namun klaim tersebut ditolak oleh Departemen Layanan Keuangan Negara Bagian New York setelah regulator tidak menemukan bukti diskriminasi berdasarkan jenis kelamin.

Melalui CNBC.

Sudahkah Anda menonton video baru di YouTube dari Olhar Digital? Berlangganan saluran!

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