There are two very interesting articles in this morning in the Wall Street Journal's tech. section. One involves Artificial Intelligence and Payday loans made to Chinese young adults here. The other article speaks about YouTube's change in policy requiring at least 10K views in order for ads to be present before and/or during a video here . The first article notes some of the analytics and algorithms companies are using behind making sound loan decisions; using what some would consider "creepy" data. The latter article stands to cut off 88% of YouTube's current channels, posing a potential negative impact on their bottom line; by addressing what has long been a compliant of their current viewers.
I plan on expanding on both of these subject with more of a focus on the Payday loans and Big Data, mostly because it a subject near and dear to my heart as a former chapter leader of a political research group's consumer protection segment. Big Data and AI can be used for positive influences and altruistic effect, but all to often they are used to expand negative influence on society and youth. What are the societal benefits and is there a possibility of an added positive influence on users?
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