Monthly Archives: March 2020

Fraud mitigation is one of the most sought-after artificial intelligence (AI) services because it can provide an immediate return on investment. Already, many companies are experiencing lucrative profits thanks to AI and machine learning (ML) systems that detect and prevent fraud in real-time.

According to a new report, Highmark Inc.s Financial Investigations and Provider Review (FIPR) department generated $260 million in savings that would have otherwise been lost to fraud, waste, and abuse in 2019. In the last five years, the company saved $850 million.

We know the overwhelming majority of providers do the right thing. But we also know year after year millions of health care dollars are lost to fraud, waste and abuse, said Melissa Anderson, executive vice president and chief audit and compliance officer, Highmark Health. By using technology and working with other Blue Plans and law enforcement, we have continually evolved our processes and are proud to be among the best nationally.

FIPR detects fraud across its clients services with the help of an internal team made up of investigators, accountants, and programmers, as well as seasoned professionals with an eye for unusual activity such as registered nurses and former law enforcement agents. Human audits performed to detect unusual claims and assess the appropriateness of provider payments are used as training data for AI systems, which can adapt and react more rapidly to suspicious changing consumer behavior.

As fraudulent actors have become increasingly aggressive and cunning with their tactics, organizations are looking to AI to mitigate rising threats.

We know it is much easier to stop these bad actors before the money goes out the door then pay and have to chase them, said Kurt Spear, vice president of financial investigations at Highmark Inc.

Elsewhere, Teradata, an AI firm specialized in selling fraud detection solutions to banks, claims in a case study that it helped Danske Bank reduce its false positives by 60% and increased real fraud detection by 50%.

Other service operators are looking to AI fraud detection with a keen eye, especially in the health care sector. A recent survey performed by Optum found that 43% of health industry leaders said they strongly agree that AI will become an integral part of detecting telehealth fraud, waste, or abuse in reimbursement.

In fact, AI spending is growing tremendously with total operating spending set to reach $15 billion by 2024, the most sought-after solutions being network optimization and fraud mitigation. According to theAssociation of Certified Fraud Examiners (ACFE)inauguralAnti-Fraud Technology Benchmarking Report,the amount organizations are expected to spend on AI and machine learning to reduce online fraud is expected to triple by 2021.

Mitigating fraud in healthcare would be a boon for an industry that is plagued with many structural inefficiencies.

The United States spends about $3.5 trillion on healthcare-related services every year. This staggering sum corresponds to about 18% of the countrys GDP and is more than twice the average among developed countries. However, despite this tremendous spending, healthcare service quality is lacking. According to a now-famous 2017 study, the U.S. has fewer hospital beds and doctors per capita than any other developed country.

A 2019 study found that the countrys healthcare system is incredibly inefficient, burning through roughly 25% of all its finances which basically go to waste thats $760 billion annually in the best case scenario and up to $935 billion annually.

Most money is being wasted due to unnecessary administrative complexity, including billing and coding waste this alone is responsible for $265.6 billion annually. Drug pricing is another major source of waste, account for around $240 billion. Finally, over-treatment and failure of care delivery incurred another $300 billion in wasted costs.

And even these astronomical costs may be underestimated. According to management firm Numerof and Associates, the 25% waste estimate might be conservative. Instead, the firm believes that as much as 40% of the countrys healthcare spending is wasted, mostly due to administrative complexity. The firm adds that fraud and abuse account for roughly 8% of waste in healthcare.

Most cases of fraud in the healthcare sector are committed by organized crime groups and a fraction of some healthcare providers that are dishonest.

According to the National Healthcare Anti-Fraud Association, the most common types of healthcare frauds in the United States are:

Traditionally, the most prevalent method for fraud management has been human-generated rule sets. To this day, this is the most common practice but thanks to a quantum leap in computing and Big Data, AI-based solutions based on machine learning algorithms are becoming increasingly appealing and most importantly practical.

But what is machine learning anyway? Machine learning refers to algorithms that are designed learn like humans do and continuously tweak this learning process over time without human supervision. The algorithms output accuracy can be improved continuously by feeding them data and information in the form of observations and real-world interactions.

In other words, machine learning is the science of getting computers to act without being explicitly programmed.

There are all sorts of various machine learning algorithms, depending on the requirements of each situation and industry. Hundreds of new machine learning algorithms are published on a daily basis. Theyre typically grouped by:

In a healthcare fraud analytics context, machine learning eliminates the use of preprogrammed rule sets even those of phenomenal complexity.

Machine learning enables companies to efficiently determine what transactions or set of behaviors are most likely to be fraudulent, while reducing false positives.

In an industry where there can be billions of different transactions on a daily basis, AI-based analytics can be an amazing fit thanks to their ability to automatically discover patterns across large volumes of data.

The process itself can be complex since the algorithms have to interpret patterns in the data and apply data science in real-time in order to distinguish between normal behavior and abnormal behavior.

This can be a problem since an improper understanding of how AI works and fraud-specific data science techniques can lead you to develop algorithms that essentially learn to do the wrong things. Just like people can learn bad habits, so too can a poorly designed machine learning model.

In order for online fraud detection based on AI technology to succeed, these platforms need to check three very important boxes.

First, supervised machine learning algorithms have to be trained and fine-tuned based on decades worth of transaction data to keep false positives to a minimum and improve reaction time. This is harder said than done because the data needs to be structured and properly labeled depending on the size of the project, this could take staff even years to solve.

Secondly, unsupervised machine learning needs to keep up with increasingly sophisticated forms of online fraud. After all, AI is used by both auditors and fraudsters. And, finally, for AI fraud detection platforms to scale, they require a large-scale, universal data network of activity (i.e. transactions, filed documents, etc) to scale the ML algorithms and improve the accuracy of fraud detection scores.

According to a new market research report released earlier this year, the healthcare fraud analytics market is projected to reach $4.6 billion by 2025 from $1.2 billion in 2020.

This growth is attributed to more numerous and complex fraudulent activity in the healthcare sector.

In order to tackle rising healthcare fraud, companies offer various analytics solutions that flag fraudulent activity some are rule-based models, but AI-based technologies are expected to form the backbone of all types of analytics used in the future. These include descriptive, predictive, and prescriptive analytics.

Some of the most important companies operating today in the healthcare fraud analytics market include IBM Corporation (US), Optum (US), SAS Institute (US), Change Healthcare (US), EXL Service Holdings (US), Cotiviti (US), Wipro Limited (Wipro) (India), Conduent (US), HCL (India), Canadian Global Information Technology Group (Canada), DXC Technology Company (US), Northrop Grumman Corporation (US), LexisNexis Group (US), and Pondera Solutions (US).

That being said, there is a wide range of options in place today to prevent fraud. However, the evolving landscape of e-commerce and hacking pose new challenges all the time. To keep up, these challenges require innovation that can respond and react rapidly to fraud. The common denominator, from payment fraud to abuse, seems to be machine learning, which can easily scale to meet the demands of big data with far more flexibility than traditional methods.

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Artificial intelligence for fraud detection is bound to save billions - ZME Science

Russ Altman (Image credit: Courtesy Russ Altman)

The impact of COVID-19 on society and the way artificial intelligence can be leveraged to increase understanding of the virus and its spread will be the focus of an April 1 virtual conference sponsored by the Stanford Institute for Human-Centered Artificial Intelligence (HAI).

COVID-19 and AI: A Virtual Conference, which is open to the public, will convene experts from Stanford and beyond. It will be livestreamed to engage the broad research community, government and international organizations, and civil society.

Russ Altman, one of the conference chairs, is an associate director of HAI and the Kenneth Fong Professor and professor of bioengineering, of genetics, of medicine, of biomedical data science, and, by courtesy, of computer science. He is also the host of the Sirius radio show The Future of Everything. He discusses the aims of the conference.

What was the idea behind the conference?

At HAI, we felt this was an opportunity to use our unique focus on AI and humanity to serve the public in a time of crisis. The issues involved in the pandemic are both nuanced and complex. Approaching it from multiple fields of expertise will help speed us toward solutions. The goal is to make leading-edge and interdisciplinary research available, bringing together our network of experts from across different schools and departments.

We have a world-class set of doctors and biological scientists at Stanford Medical School and theyll, of course, be involved. Well also have experts on AI, as well as the social sciences and humanities, to give their scholarly perspective on the implications of this virus, now and over time. The conference will be entirely virtual with every speaker participating remotely, providing an unpolished but authentic window into the minds of thinkers we respect.

What useful information will come out of the conference?

Were asking our speakers to begin their presentation by talking about the problem theyre addressing and why it matters. They will present the methods theyre using, whether scientific or sociological or humanistic, the results theyre seeing even if their work is preliminary and the caveats to their conclusions. Then theyll go into deeper detail that will be very interesting to academic researchers and colleagues. Importantly, we intend to have a summary of key takeaways afterward along with links to information where people can learn more.

We will not give medical advice or information about how to ensure personal safety. The CDC and other public health agencies are mobilized to do that.

What do you think AI has to offer in the fight over viruses like COVID-19?

AI is extremely good at finding patterns across multiple data types. For example, were now able to analyze patterns of human response to the pressures of the pandemic as measured through sentiments on social media, and even patterns in geospatial data to see where social distancing may and may not be working. And, of course, we are using AI to look for patterns in the genome of the virus and its biology to see where we can attack it.

This interdisciplinary conference will show how the availability of molecular, cellular and genomic data, patient and hospital data, population data all of that can be harnessed for insight. Weve always examined these data sources through more traditional methods. But now for the first time, and at a critical time of global crisis, we have the ability to use AI to look deeper into data and see patterns that were otherwise not visible previously, including the social and cultural impact of this pandemic. This is what will enable us to work together as a scholarly, scientific community to help the future of humankind.

Who do you hope will attend?

The core audience is scholars and researchers. We want to have a meaningful discussion about the research challenges and opportunities in the battle against this virus. Having said that, we know that there are many people with an interest in how scientists, researchers, sociologists and humanists are helping in this time of crisis. So were making the conference open to anyone interested in attending. It will be a live video stream from a link on our website, and available as a recording afterward.

What kind of policy effect do you hope the conference can have?

Good policy is always informed by good research. A major goal of HAI is to catalyze high-quality research that we hope will be heeded by policymakers as they work to craft responses to COVID-19 and future pandemic threats. So this will give insights to policymakers on what will be published in the coming months.

Register for the April 1 conference.

Learn more about the Stanford Institute for Human-Centered AI (HAI).

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Stanford virtual conference to focus on COVID19 and artificial intelligence | Stanford News - Stanford University News

Innovation leap watchfree bridge

The major challenges facing maritime transport include coping with the growing volume of trade, improving maritime safety, economic efficiency and environmental friendliness.

In the course of advances in information technology, these challenges have led to the rapid development of autonomous technologies. Within the framework of the BMWifunded research project B ZERO, the Fraunhofer CML is now developing a sensor and navigation system in cooperation with Wrtsil SAM, Hoppe Bordmesstechnik, NautilusLog, the Bernhard Schulte Group, the Federal Maritime and Hydrographic Agency and the Fraunhofer FKIE. The system should be able to guide a ship autonomously between defined departure and arrival points, so that manning the bridge around the clock is not necessary.

The Fraunhofer CML will develop an artificial intelligence for autonomous navigation by using reinforcement learning in B ZERO. With reinforcement learning a system can train meaningful de- cision guidelines without prior knowledge, only by results or responses to its actions. Reinforcement Learning is already used at CML in the fields of object recognition and robotics, and supports the anticipatory avoidance of collisions and grounding in nautical situations. The AI, which will later take over autonomous navigation in B ZERO, is trained at the CML by simulating nautical scenarios with different parameters such as number of approaching ships, sea area, visibility and weather conditions. The decision component to be trained, e.g. collision avoidance, knows the required state of the- se given conditions and reacts with the learned, appropriate voyage and/ or course changes to ensure a safe passage on a route. The expected result is a prototype system, which will be further developed in the simulation laboratory environment of the CML and validated by future tests on board a cargo ship.

Efficiency boost in image recognition

Great potential for maritime logistics results from the use of AI- supported image recognition, or computer vision in short. In addition to the acquisition of digital images, it enables their processing into highly compressed numerical information that can be further processed by machines. Computer vision is thus a key technology for the automated observation of conditions and the detection of changes. These capabilities enable a wide range of applications in the maritime sector. In maritime shipping, for example, many autonomous manoeuvres depend on the permanent, simultaneous and reliable situational awareness that computer vision enables. Gradual changes, such as erosion of quay walls or deformations of a ships hull, can be detected by computer vision, as can the position of cargo units on board or at the terminal.

The CML supports companies in the maritime industry in identifying and exploring the individual possibilities of computer vision. As part of the COOKIE project, which is funded by the IHATEC programme, a visual damage recognition and image-based repair prognosis of empty containers is being developed using artificial intelligence. This will not only ensure compliance with applicable security standards, but also make inspection procedures at the terminal gate more efficient.

In addition to computer vision, the CML has a broad spectrum of expertise in the field of machine learning and offers comprehensive solutions for AIsupported forecasting and assistance systems, from proof of concept to implementation.Source: CML Fraunhofer

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Artificial Intelligence Promotes Automation On Board And In Ports - Hellenic Shipping News Worldwide

SAN FRANCISCO, March 23, 2020 (GLOBE NEWSWIRE) -- Zignal Labs, creator of impact intelligence solutions that monitor the real-time evolution of opinion, and public health nonprofit PGP (The Public Good Projects), experts in health communications, today announced the launch of Project RCAID (Rapid Collection Analysis Interpretation Dissemination). RCAID is an innovative insights service that combines artificial intelligence, machine learning and expert analysis to monitor the conversation around COVID-19 (coronavirus). Scanning traditional, social and broadcast media, and analyzed through the lens of public health experts, RCAID captures emerging themes in real time, and provides daily, customized recommendations for professionals on the front lines of what the World Health Organization has called an infodemic.

Public and private health institutions must be able to respond urgently and knowledgeably to mitigate the impact of the global COVID-19 pandemic on the worlds population. Traditional media monitoring and historical reporting do not provide the agility needed to manage the volume and velocity of news. While orchestrated information campaigns and response plans are being mobilized in real time, the speed of information traveling through the general population - across traditional and social media - has made it challenging for organizations to effectively monitor and manage evolving conversations around the virus.

Global experts dealing with COVID-19 arent just grappling with treating the sick and developing a vaccine - they must urgently provide the public with the most accurate and current health information, said Adam Beaugh, CEO and co-founder of Zignal Labs. Government agencies, healthcare institutions, pharmaceutical manufacturers and health insurers all must meet the challenge of an unprecedented spread of misinformation and disinformation as they educate the public on safe and effective strategies to minimize risk and stay healthy. Analyzing the conversational data around COVID-19 can unlock new insights and identify new methods to reach people with information that may save their lives.

RCAID is one of the many ways Zignal Labs is supporting its customers during this unprecedented public health crisis. To allow all customers to better understand and react to the infodemic across their organizations, Zignal Labs is providing each of its customers with complimentary access to a dedicated real-time COVID-19 dashboard. This dashboard profile offers tracking and monitoring of the conversation around COVID-19, with the option to customize the COVID-19 topics specific to their businesses. For those needing contextualized insights and public health expertise from PGP, the RCAID service empowers health professionals with a deeper understanding of online conversations to guide their strategic plans and response.

The RCAID solution offers customers:

Information, which spreads as fast as disease, can make a crisis better or worse. Modern public health emergencies require modern mitigation techniques, and these need to be linked to best practices in crisis and emergency risk communications, said Dr. Joe Smyser, CEO of The Public Good Projects. RCAID enables public and private healthcare organizations to understand the impact of the information they are sharing, and craft communications plans tailored to their specific needs. As we progress through the phases of this pandemic, RCAID will evolve as well.

To access customized, daily insights on media conversations related to COVID-19 and coronavirus through RCAID, please visit http://www.RCAID.org.

To learn more about Zignal Labs, please visit https://zignallabs.com/.

To learn more about PGP, please visit https://publicgoodprojects.org/

About Zignal LabsZignals Impact Intelligence platform measures the real-time evolution of opinion, and identifies the topics, networks and people that can shape it. Using AI and machine learning, Zignal mines social, traditional and broadcast media for signals of changing beliefs. With Impact Intelligence, marketers, communicators and insights professionals drive more powerful campaigns, products and experiences, and risk analysts identify threats before they fully emerge. Headquartered in San Francisco with offices in New York City and Washington D.C., Zignal serves customers around the world, including Expedia, DaVita, Under Armour, Synchrony, Prudential, DTE Energy, The Public Good Projects and Uber. To learn more, visit: http://www.zignallabs.com.

About PGP PGP (The Public Good Projects) is a public health nonprofit composed of experts in public health, media, and marketing. PGPs mission is to apply best evidence and practices from the public and private sectors to design and implement bold projects for health. PGPs programs and initiatives are evidence-based, tailored for particular populations, employ a collective impact model, and are scientifically evaluated. To learn more, visit:https://publicgoodprojects.org/

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Zignal Labs and The Public Good Projects Announce First COVID-19 Insights Service Integrating Artificial Intelligence with Expert Public Health...

Many, many prophecies in your Bible describe the world after Jesus Christ returns as being a world filled with happiness!

Did you know that God actually commands us to be happy? And He gives a formula for making you happy in His Bible, which is for the whole world.

God is full of joy! And He is creating us to be like He is, so He wants us to be filled with joy, too. Only those people who have that joy will be in His Family in the future.

But look around, and you see todays world filled with unhappiness and other strong, negative feelings.

Revelation 12:9 says this whole world is deceived. One of the greatest deceptions of all is about how to be happy.

Why are people so deceived about this subject? And how can you be happy?

Let me explain the answer to both of those questions. It is deeply misunderstood, and strongly resisted. I present The Key of David, a weekly television program that reaches millions of potential viewers and is available online, and I have noticed that whenever I cover this subject, we get less response than normal.

Id like to challenge you to think about this subject, to read and study the additional literature we offer on it. We give away all our literature freely because God commands us to do so in Matthew 10:8: Freely you have received, freely give. We have done this for over 80 years. We give over a million dollars worth of free literature every year, yet we always have the income we need to do the Work. God commands us to do certain things in the Bible, and He rewards us immensely for obeying Him.

In John 13, Jesus Christ instructs the disciples about the Passover, which begins the holy day plan of God. For I have given you an example that ye should do as I have done to you (verse 15). You must do things the way Christ does. That includes the holy days, which He kept and He commands us to keep. (Request our free booklet Pagan Holidaysor Gods Holy DaysWhich? to learn about how Gods holy days reveal Gods master plan for human beings. This is truth we need!)

Then notice verse 17: If ye know these things, happy are ye if ye do them. Christ said that following His example and obeying Him will make you happy.

God puts everything on the line. If doing these things doesnt make you happy, then that would make God a liar. But He doesnt lieHe cannot lie! (Titus 1:2).

Here is another scripture that describes how happy we can be: But unto you that fear my name shall the Sun of righteousness arise with healing in his wings; and ye shall go forth, and grow up as calves of the stall (Malachi 4:2). Here is a picture of a young calf in the stall that has been born recently and is jumping around because its so thrilled to be alive! And this tells you how to have such abundant lifehow to be happy, and bright and shining like the sun! It starts with fearing God.

Notice verse 4: Remember ye the law of Moses my servant, which I commanded unto him in Horeb for all Israel, with the statutes and judgments. The main law Moses received on Mount Horeb (another name for Mount Sinai), was the Ten Commandments (Exodus 20). And the statutes we are here commanded to remember include the holy days.

The first five books of the Bible are referred to in Scripture as the Law (e.g. Luke 24:44). Those five books are the foundation of the entire Bibleand the Ten Commandments are the center of that foundation. Remember that law! Dont forget it, because keeping it will make you happy!

The book of Malachi shows that most of Gods own people in this end time95 percenthave turned away from that law (e.g. Malachi 2:8-9; 3:7, 14). And here at the end of the book God is saying, Remember this! Remember that law of Moses that he received on Mount Sinai with thunder and lightning, with the mountain and the earth shaking!

In the days of the second temple construction, the Jews who had returned to Jerusalem from captivity had renewed appreciation for the law of God. Nehemiah 8 records them gathering to observe the Feast of Trumpets, and then the Feast of Tabernacles, two of Gods seven annual festivals.

When they gathered, Ezra and the spiritual leaders read the Law to the people. So they read in the book in the law of God distinctly, and gave the sense, and caused them to understand the reading (verse 8). They really made it plain. And how did the people respond? [A]ll the people wept, when they heard the words of the law (verse 9). They were convicted and repentant. That may seem like the opposite of happinessbut in reality, it is the only true path to real happiness!

Nehemiah saw their response. Then he said unto them, Go your way, eat the fat, and drink the sweet, and send portions unto them for whom nothing is prepared: for this day is holy unto our Lord [referring to the Feast of Tabernacles]: neither be ye sorry; for the joy of the Lord is your strength (verse 10). If you are keeping those holy days, God says it will fill you with joy, and that is your strength! Obedience to Gods law makes you strong!

Verse 17 says that they celebrated this festival properly as they hadnt done for generations, and there was very great gladness. That is what keeping Gods law brings.

Many scriptures show that very shortly, Jesus Christ will return to Earth and apply that law, and the Earth will become a paradise, filled with happy and joyful peopleadults, children, everybody. The Almighty God will ensure that this happens!

Jesus Christ continually spoke of the importance of the law and the Old Testament as a whole. He corrected many people for not believing and obeying the law and the Old Testament prophets. The Jews boasted that they followed the law scrupulously. But Moses wrote the Bibles first five books, called the Law, and in John 5:46-47, Jesus told them, Had you believed Moses, you would have believed me, for he wrote of me. But if ye believe not his writings, how shall ye believe my words?

Jesus confirmed the veracity of the Bibles record of the Flood (Matthew 24:37-39; Luke 17:26-27). He confirmed the account of the overthrow of Sodom and Gomorrah (Matthew 10:15; Luke 17:29). He corroborated the fate of Lots wife (Luke 17:32).

After Jesus was crucified and resurrected, He spent some time with His disciples, teaching them. And beginning at Moses and all the prophets, he expounded unto them in all the scriptures the things concerning himself (Luke 24:27). He went through the first five books, throughout the Law, and all the prophets, including the former prophets, the major and minor prophetsand taught them just how relevant and significant it all was! Many people dismiss these sections of the Biblebut Christ certainly didnt!

I saw one commentary that drew together all these examples showing just how much Christ underscored the importance of the Old Testament. But do you know what this commentary did not say? It didnt say what Christ said about the law, the foundation of the entire Bible! This commentary said nothing of that because most of them believe the law has been done away. But what did Christ say? You would think such an important subject would have been mentioned above some of those other miraculous events.

Christ told His disciples, Ye are the light of the world. A city that is set on an hill cannot be hid (Matthew 5:14). Those people who are obeying Him, Christ calls the light of the world! If you are a light to the world, that means you are shining and happy! People will see it! Neither do men light a candle, and put it under a bushel . Let your light so shine before men that they may see your good works, and glorify your Father which is in heaven (verses 15-16). Wow! Let that light shine, and people will see your good works and glorify God!

Now, notice this amazing scripture that is so contrary to what nearly every commentary will tell you: Think not that I am come to destroy the law, or the prophets: I am not come to destroy, but to fulfil (verse 17). He is talking about the Ten Commandments above all. But also the first five books of the Bible and all the prophetic books. He didnt come to destroy these, but to fulfill themto fill them to the full!

For verily I say unto you, Till heaven and earth pass, one jot or one tittle shall in no wise pass from the law, till all be fulfilled (verse 18).

This is the perfect Son of God talking! He said He would cross every T and dot every I of the law in every little detail. He came to fill the law to the full perfectly! Most people in the so-called Christian world talk about the law being done away. But that is the opposite of what Jesus Christ taught!

The Ten Commandments are the foundation of the Bible and are the heart of everythingif you want to be happy. Yet the way the world views it, if youre keeping the law, you are in bondage! What a deception! And look at how unhappy, miserable and dangerous this world is as a result!

Look at how politicians and political adversaries hate each other today. Gods law says you must love your neighbor(Leviticus 19:18). Christ confirmed that this even means loving your enemies (Matthew 5:44). They often talk about how religious they are, but they have such hate in their lives! Harboring such hate means they are not doing what Christ commanded. That is what your Bible says!

God says through the Prophet Isaiah, For the leaders of this people cause them to err; and they that are led of them are destroyed (Isaiah 9:16). The leaders and scholars of Israel should be an example to the whole world, and would be, if they were obeying God. But they have rebelled against God. They are causing people to err and leading people to destruction, spiritually and even physically. Isaiah 3:12 concurs: Those leaders cause thee to err. God emphasizes this! Watch out, because people are leading you astray, causing you to make serious mistakes! Their lawless approach is making you unhappy, and they make God unhappy by what they are doing!

Christ said if you are obeying the law, you will be like the sun, shining with happiness so people can see! You wont be hating peopleyou will love them and be giving to them in any way you can.

The Apostle Paul also strongly endorsed the Old Testament. He explicitly backed up its account of Cain and Abel, of Enoch, of Melchizedek and Abraham, of the miracle of the Red Sea, of Israels rebellion by creating a golden calf, of the life of Rahab and the fall of Jericho, and many other historical incidents that most people dismiss as myth.

Paul also underscored the importance of Gods law. In Romans 10:1-3, he talks about people who have a zeal of God, but not according to knowledge. For they being ignorant of Gods righteousness, and going about to establish their own righteousness, have not submitted themselves unto the righteousness of God. How many people fall into that trap? Do you submit to Gods definition of righteousnessas He defines it in His Word and by His lawor do you try to establish your own definition of righteousness?

Verse 4 reads, For Christ is the end of the law for righteousness to every one that believeth. That does not mean that Christ ended the law, as many would have you believe. The word end comes from the Greek word telos, which means a point aimed at. When you look at Christs example, you see up close what real righteousness looks like, and what God and Christ are all about. If you keep the law the way God directs you to, and you are doing it spirituallythen in the end, you will have the very character of Christ! You will be following His example (1 Peter 2:21), you will have His mind (Philippians 2:5), and you will be keeping the law of love!

1 John 5:3 says, For this is the love of God, that we keep his commandments: and his commandments are not grievous. Gods commands are not grievous, as so many people say they are. They make you happy! And they fill you with love and many other wonderful virtues!

Paul got to the heart of peoples problem with Gods law. He wrote, Because the carnal mind is enmity [or hostile] against God: for it is not subject to the law of God, neither indeed can be (Romans 8:7). You see this natural hostility to God everywhere! And if you are honest, you can even detect it, at least to some degree, within yourself.

The only way we can obey God and keep His law is by receiving His Holy Spirit!

Paul referred repeatedly back to Adam and Eve in his epistles (e.g. Romans 5:14; 1 Corinthians 15:22; 1 Timothy 2:13-14). He spoke about the Garden of Eden and the first two human beings disobeying God and rejecting the tree of life. God kicked them out of the garden, and mankind has followed their example ever since. They rebelled against God and set the example for this world, so God condemned this world to 6,000 years of being cut off from Him.

Now we are very close to the time when Jesus Christ will return. Mankind has had his six days of the weekeach day symbolizing a thousand years (2 Peter 3:8)and the seventh, the Sabbath, is almost here. The Fourth Commandment tells us to keep the Sabbath holy each week (Exodus 20:8-11)and He even says He will bless us with delight and abundance for doing so (Isaiah 58:13-14)but most people ignore that and rebel. The Sabbath points to the fact that Christ is about to use that seventh daythat seventh thousand-year periodto fill this world with happiness and joy! Many scriptures tell us this. Do you believe them?

God tells us we must be doers of the Word (James 1:22-25). You have to do something. Verse 25 says, But whoso looketh into the perfect law of liberty, and continueth therein, he being not a forgetful hearer, but a doer of the work [or this law], this man shall be blessed in his deed.

Do you see Gods law as a law of liberty? If you keep it, you will have freedom. Youll be blessed in special ways by God, and one of those blessings is youll be happy! That is what freedom brings. How can you be happy without freedom? People in this world think they have freedom, but they are really in bondage to sin.

Where there is no vision, the people perish: but he that keepeth the law, HAPPY is he (Proverbs 29:18). Keeping the law gives you vision, and it makes you happy. It shows you how to make things work out in your life, and how to solve your problems. Keep the law, and you have vision: You know where you are going, and you know where God is taking every one of us.

Your life can be filled with happiness, joy and great purpose. That doesnt mean you wont have trials and tests, but the Bible tells us to rejoice even when you have fiery trials, because God is using those to build His very character within you! (e.g. James 1:2-4). He is preparing you for a spectacular eternal future in the very Family of God!

If you want to be happy, God shows you how: He says you must turn from your iniquities (Daniel 9:13)and turn to that law of love, that law of happiness, that law of freedom, that law of joy! Christ came so you could have life, and have it more abundantly (John 10:10). God wants you to be filled with joy, and to live the abundant life! His law shows you the way.

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KT zu Guttenberg, Artificial Intelligence and You - theTrumpet.com

The "Innovations in Artificial Intelligence, Predictive Analytics, and BIM" report has been added to ResearchAndMarkets.com's offering.

This edition of IT, Computing and Communications (ITCC) TechVision Opportunity Engine (TOE) provides a snapshot of the emerging ICT led innovations in artificial intelligence, predictive analytics, and building information modelling. This issue focuses on the application of information and communication technologies in alleviating the challenges faced across industry sectors in areas such as retail, agriculture, construction, healthcare, and industrial sectors.

ITCC TOE's mission is to investigate emerging wireless communication and computing technology areas including 3G, 4G, Wi-Fi, Bluetooth, Big Data, cloud computing, augmented reality, virtual reality, artificial intelligence, virtualization and the Internet of Things and their new applications; unearth new products and service offerings; highlight trends in the wireless networking, data management, and computing spaces; provide updates on technology funding; evaluate intellectual property; follow technology transfer and solution deployment/integration; track development of standards and software; and report on legislative and policy issues and many more.

The Information & Communication Technology cluster provides global industry analysis, technology competitive analysis, and insights into game-changing technologies in wireless communication and computing space. Innovations in ICT have deeply permeated various applications and markets.

These innovations have a profound impact on a range of business functions for computing, communications, business intelligence, data processing, information security, workflow automation, quality of service (QoS) measurements, simulations, customer relationship management, knowledge management functions and many more. The global teams of industry experts continuously monitor technology areas such as Big Data, cloud computing, communication services, mobile and wireless communication space, IT applications & services, network security, and unified communications markets. In addition, we also closely look at vertical markets and connected industries to provide a holistic view of the ICT Industry.

Key Topics Covered:

Innovations in Artificial Intelligence, Predictive Analytics, and BIM

Companies Mentioned

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Medica Group Plc (LSE: MGP, "Medica" or the "Company"), the UK market leader in teleradiology services, and Qure.ai, a global leader in artificial intelligence (AI) solutions for radiology, announce a strategic partnership to develop AI tools for prioritisation and improved efficiency of radiology scan workload.

Under the terms of the agreement, Medica will partner with Qure.ai in two important areas:

The first is to launch a decision support tool for CT (computed tomography) head scan examinations. This tool will flag potential urgent examinations allowing prioritisation of reporting based on clinical priority as opposed to chronological allocation. The tool will also highlight potentially critical findings to reporters, which can be integrated into their diagnoses. The tool will be trialed and implemented to augment Medica's urgent, out-of-hours NightHawk service.

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Stuart Quin, Chief Executive Officer of Medica commented:"Medica has been actively following the development of decision support tools using artificial intelligence to better understand the benefit to our clients. As we indicated in September 2019, our focus has been on areas that can have an immediate improvement to workflow and can support clinical decision making. As a leader in artificial intelligence solutions for radiology with an impressive track record of successful deployment in teleradiology workflows, backed up by peer-reviewed studies, Qure.ai is an ideal partner."

Prashant Warier, Chief Executive Officer of Qure.ai commented:"We are excited to partner with Medica, the UK's leading provider of teleradiology reporting, and we look forward to working with their team to realise the benefits of artificial intelligence in this important market. The tools being developed for Medica will improve efficiencies and support their strong network of highly skilled radiologists and radiographers."

About Medica Group PLCMedica is the UK market leader in the provision of teleradiology services, providing outsourced interpretation and reporting on MRI (magnetic resonance imaging), CT (computerised tomography) and plain film (x-ray) images. The Company currently offers three primary services to hospital radiology departments: NightHawk, an out-of-hours service, routine cross-sectional reporting on MRI and CT scans, and routine plain film reporting on x-ray images.

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Medica and Qure.ai partner to use artificial intelligence to improve efficiency of workflow and clinical decision support - DOTmed HealthCare Business...

The battery sector is turning to artificial intelligence for clues on how to improve recharging rates without increasing the degradation of lithium-ion batteries.

Last month, a team from Stanford University, the Massachusetts Institute of Technology and the Toyota Research Institute published findings from battery testing aimed at cutting electric-vehicle charging times down to 10 minutes. The research, published in Nature, revealed how artificial intelligence could speed up the testing process required for novel charging techniques.

The researchers wrote a program that predicted how batteries would respond to different charging approaches and was able to cut the testing process from almost two years to 16 days, Stanford reported. The technique was used to evaluate 224 possible high-cycle-life charging processes in just over two weeks, the researchers said.

The research effort has been in progress for at least three years. In 2017, the Toyota Research Institute committed $35 million to artificial intelligence battery research, initially focusing on new materials.

Last year, the research partners claimed artificial intelligence could help predict the useful life of lithium-ion batteries to within 9 percent of the actual life cycle of the products.

The standard way to test new battery designs is to charge and discharge the cells until they die,co-lead author Peter Attia, now of Tesla but then a Stanford doctoral candidate in materials science and engineering, said in a press release at the time.

Since batteries have a long lifetime, this process can take many months and even years. Its an expensive bottleneck in battery research.

Independentof these efforts, a Canadian firm called GBatteries is using artificial intelligence in a bid to cut lithium-ion battery charging times down to five minutes. The company has succeeded in recharging an electric scooter battery in less than 10 minutes.

The main challenge with extremely fast charging is that it heats up and degrades the battery, GBatteries co-founder and Chief Commercial Officer Tim Sherstyuk told GTM.

The rates that can be achieved with todays fast-charging technology, which are slow by gas-station filling standards, are already problematic for batteries, he said.

Most fast-charging initiatives focus on novel chemistries that wont degrade easily, Sherstyuk said. GBatteries, meanwhile, uses artificial intelligence to monitor the state of the battery as it is charging.

Once the impedance of the battery reaches a critical level, the GBatteries algorithm pauses charging long enough to avoid irreversible damage. This allows charging to proceed in a series of high-intensity pulses at a rate much faster than is possible with traditional methods.

The GBatteries technology works for small batteries and has been demonstrated on power tools, cutting charging times from between 30 to 60 minutes down to 11. But scaling it up to cope with an electric vehicle battery pack is going to take a while, said Sherstyuk.

Even if artificial intelligence can help crack the means to charge electric vehicles as quickly as you now fill your tank with gas, it will take a while for the auto industry to incorporate the technology into the mainstream. The time horizon is years, not months.

Nevertheless, there is plenty of industry interest in tackling the problem.

Charging time is usually the fourth concern that people raise when considering to go electric or not, after upfront cost, range of the vehicle and where [to] charge, said Aaron Fishbone, director of communications at GreenWay, which operates a fast-charging network across Eastern Europe.

So, while not a top-tier issue, its still one raised by many people.

GBatteries pulse charging will require a lot more testing before it might be considered appropriate for the 50+ kilowattpower ratings required for electric vehicles, Fishbone said. In the meantime, high-power recharging is already reducing the time it takes to charge a battery.

Although there are not yet many cars that can take them, a 150-kilowatt charger can add 100 kilometers (62 miles) of range to an electric vehicle within a little over seven minutes, Fishbone said.

Nonetheless, anything which can speed up charging time without degrading battery life is a welcome development and can lead to other innovations which push the whole industry."

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Battery Researchers Look to Artificial Intelligence to Slash Recharging Times - Greentech Media News

How can AI help in investment decisions? And if there are challenges, how does your platform help to resolve those challenges?

As to why investors in general need AI, there are enormous amounts of data out there, and there is an ongoing battle over that available data. The industry as a whole now produces all kinds of data-based financial reporting and statements, and investors and industry players alike can buy really well-structured data as a result. AI has the ability to study massive amounts of this data and identify patterns.

Let us assume we identified a stock pattern today, and we want to figure out what to do next: buy or sell. AI can find somewhat similar patterns that existed in history and then analyze what happened right after. Knowing what happened after the pattern in the past may suggest what may happen in the future from today.

How Bots Are Altering the Future of Enterprise

We can identify patterns for stocks, Forex, ETFs, mutual funds, and even currencies. With that said, some patterns will not work for certain stocks; that is why people need a complete picture, including discovery, testing, and a presentation of results.

What if there is a challenge and if they are having a problem identifying the patterns? How does then AI support this kind of investor?

Challenges can also be patterns. Let us assume there is a significant drop in the market today; AI can go back through historical data and find similar significant drops in the market to come to pattern-based conclusions, such as which particular stocks continue to go down and which stocks tend to quickly bounce back. And in that regard, AI helps to solve the challenges in conjunction with human involvement, where humans can take these signals and use them for making better trading decisions.

That perspective raises the question: can AI effectively trade or manage a portfolio without any human involvement? So far, there is only one recorded example, a hedge fund claiming no human involvement. In all other cases, at this moment, humans have some kind of involvement. Today, the best minds in the finance industry are working on solutions that can help interpret challenges or anomalies in the market, including significant drops or significant jumps. Beyond AI, many companies use robots to work on these solutions, too. They look at the expense ratio and come up with the best-case scenario we are talking about the fully automated robots which can solve the challenges that arise.

Are there any security challenges in data processing of this type?

Data security challenges are the same whether AI is involved or not you have to be secure either way. With that said, you do need to protect against the black swans when something unexpected happens, and the AI can react and perform a problematic money maneuver.

Voice-based AI Assistant Certainly the Future of Workplace

Think about the verification challenges when people put driverless cars on autopilot, and the driverless car sees something unexpected. There is a chance it will crash, like Tesla demonstrated recently when the human fully relied on autopilot. When it comes to AI and investing a lot of money could be on the line.

So you see AI as a future of investment platforms? How is your platform leveraging AI differently?

Ans: Yes, absolutely. It is an enormous amount of power, and no human being can compete with the speed and volume of this power when applied to trade.

Here is the main difference with AI in our approach: to make it convenient for our users, we test a lot of strategies in advance, and that means that a typical investor gets access to a secure cloud. In our secure, local cloud, we run a lot of pre-calculations over different strategies. We run tens of thousands of different strategies simultaneously. We dont know what is going to happen with these tens of thousands of strategies, but we know that if the user on our site wants to use one of them, then it is going to be pre-calculated. That way, the person has more immediate access to our data and analysis. And that is our main feature that a person can use our AI on request.

Rebirth of Industries in the Era of Intelligent Automation

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Artificial Intelligence is Becoming the Future of Investment Platforms - EnterpriseTalk

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The terms "revolution" and "disruption" inthe context of technological innovation are probably bandied abouta bit more liberally than they should. Technological revolution anddisruption imply upheaval and systemic reevaluations of the waythat humans interact with industry and even each other. Actualtechnological advancement, however, moves at a much slower pace andtends to augment our current processes rather than to outrightdisplace them. Oftentimes, we fail to realize the ubiquity oflegacy systems in our everyday lives sometimes to our owndetriment.

Consider the keyboard. The QWERTY layout of keys is standard forEnglish keyboards across the world. Even though the layout remainsa mainstay of modern office setups, its origins trace back to themass popularization of a typewriter manufactured and sold by E.Remington & Sons in 1874.1 Urban legend has itthat the layout was designed to slow down typists from jammingtyping mechanisms, yet the reality reveals otherwise thelayout was actually designed to assist those transcribing messagesfrom Morse code.2 Once typists took to the format, thekeyboard, as we know it today, was embraced as a global standard even as the use of Morse code declined.3 LikeQWERTY, our familiarity and comfort with legacy systems hascontributed to their rise. These systems are varied in their scope,and they touch everything: healthcare, supply chains, our financialsystems and even the way we interact at a human level. However,their use and value may be tested sooner than we realize.

Artificial intelligence (AI) and blockchain technology(blockchain) are two novel innovations that offer the opportunityfor us to move beyond our legacy systems and streamline enterprisemanagement and compliance in ways previously unimaginable. However,their potential is often clouded by their "buzzword"status, with bad actors taking advantage of the hype. When one cutsthrough the haze, it becomes clear that these two technologies holdsignificant transformative potential. While these new innovationscan certainly function on their own, AI and blockchain alsocomplement one another in such ways that their combination offersbusiness solutions, not only the ability to build upon legacyenterprise systems but also the power to eventually upend them infavor of next level solutions. Getting to that point, however,takes time and is not without cost. While humans are generallyquick to embrace technological change, our regulatory frameworkstake longer to adapt. The need to address this constraint ispressing real market solutions for these technologies havestarted to come online, while regulatory opaqueness hurdles abound.As innovators seek to exploit the convergence of AI and blockchaininnovations, they must pay careful attention to overcome bothtechnical and regulatory hurdles that accompany them. Do sosuccessfully, and the rewards promise to be bountiful.

First, a bit of taxonomy is in order.

AI in a Nutshell:

Artificial Intelligence is "the capability of machine toimitate intelligent human behavior," such as learning,understanding language, solving problems, planning and identifyingobjects.4 More practically speaking, however,today's AI is actually mostly limited to if X, then Yvarieties of simple tasks. It is through supervised learning thatAI is "trained," and this process requires an enormousamount of data. For example, IBM's question-answeringsupercomputer Watson was able to beat Jeopardy! championsBrad Rutter and Ken Jennings in 2011, because Watson had been codedto understand simple questions by being fed countless iterationsand had access to vast knowledge in the form of digital dataLikewise, Google DeepMind's AlphaGo defeated the Go championLee Sedol in 2016, since AlphaGo had undergone countless instancesof Go scenarios and collected them as data. As such, mostimplementations of AI involve simple tasks, assuming that relevantinformation is readily accessible. In light of this, Andrew Ng, theStanford roboticist, noted that, "[i]f a typical person can doa mental task with less than one second of thought, we can probablyautomate it using AI either now or in the near future."5

Moreover, a significant portion of AI currently in use or beingdeveloped is based on "machine learning." Machinelearning is a method by which AI adapts its algorithms and modelsbased on exposure to new data thereby allowing AI to"learn" without being programmed to perform specifictasks. Developing high performance machine learning-based AI,therefore, requires substantial amounts of data. Data high in bothquality and quantity will lead to better AI, since an AI instancecan indiscriminately accept all data provided to it, and can refineand improve its algorithms to the extent of the provided data. Forexample, AI that visually distinguishes Labradors from other breedsof dogs will become better at its job the more it is exposed toclear and accurate pictures of Labradors.

It is in these data amalgamations that AI does its job best.Scanning and analyzing vast subsets of data is something that acomputer can do very rapidly as compared to a human. However, AI isnot perfect, and many of the pitfalls that AI is prone to are oftenthe result of the difficulty in conveying how humans processinformation in contrast to machines. One example of this phenomenonthat has dogged the technology has been AI's penchant for"hallucinations." An AI algorithm"hallucinates" when the input is interpreted by themachine into something that seems implausible to a human looking atthe same thing.6 Case in point, AI has interpreted animage of a turtle as that of a gun or a rifle as a helicopter.7 This occurs because machines arehypersensitive to, and interpret, the tiniest of pixel patternsthat we humans do not process. Because of the complexity of thisanalysis, developers are only now beginning to understand such AIphenomena.

When one moves beyond pictures of guns and turtles, however,AI's shortfalls can become much less innocuous. AI learning isbased on inputted data, yet much of this data reflects the inherentshortfalls and behaviors of everyday individuals. As such, withoutproper correction for bias and other human assumptions, AI can, forexample, perpetuate racial stereotypes and racial profiling.8 Therefore, proper care for what goesinto the system and who gets access to the outputs must be employedfor the ethical employment of AI, but therein lies an additionalproblem who has access to enough data to really take fulladvantage of and develop robust AI?

Not surprisingly, because large companies are better able tocollect and manage increasingly larger amounts of data thanindividuals or smaller entities, such companies have remainedbetter positioned in developing complex AI. In response to thistilted landscape, various private and public organizations,including the U.S. Department of Justice's Bureau of Justice,Google Scholar and the International Monetary Fund, have launchedopen source initiatives to make publicly available vast amounts ofdata that such organizations have collected over many years.

Blockchain in a Nutshell:

Blockchain technology as we know it today came onto the scene inlate 2009 with the rise of Bitcoin, perhaps the most famousapplication of the technology. Fundamentally, blockchain is a datastructure that makes it possible to create a tamper-proof,distributed, peer-to-peer system of ledgers containing immutable,time-stamped and cryptographically connected blocks of data. Inpractice, this means that data can be written only once onto aledger, which is then read-only for every user. However, many ofthe most utilized blockchain protocols, for example, the Bitcoin orEthereum networks, maintain and update their distributed ledgers ina decentralized manner, which stands in contrast to traditionalnetworks reliant on a trusted, centralized data repository.9 In structuring the network in thisway, these blockchain mechanisms function to remove the need for atrusted third party to handle and store transaction data. Instead,data are distributed so that every user has access to the sameinformation at the same time. In order to update a ledger'sdistributed information, the network employs pre-defined consensusmechanisms and military grade cryptography to prevent maliciousactors from going back and retroactively editing or tampering withpreviously recorded information. In most cases, networks are opensource, maintained by a dedicated community and made accessible toany connected device that can validate transactions on a ledger,which is referred to as a node.

Nevertheless, the decentralizing feature of blockchain comeswith significant resource and processing drawbacks. Manyblockchain-enabled platforms run very slowly and haveinteroperability and scalability problems. Moreover, these networksuse massive amounts of energy. For example, the Bitcoin networkrequires the expenditure of about 50 terawatt hours per year equivalent to the energy needs of the entire country ofSingapore.10 To ameliorate these problems,several market participants have developed enterprise blockchainswith permissioned networks. While many of them may be open source,the networks are led by known entities that determine who mayverify transactions on that blockchain, and, therefore, therequired consensus mechanisms are much more energy efficient.

Not unlike AI, a blockchain can also be coded with certainautomated processes to augment its recordkeeping abilities, and,arguably, it is these types of processes that contributed toblockchain's rise. That rise, some may say, began with theintroduction of the Ethereum network and its engineering around"smart contracts" a term used to describecomputer code that automatically executes all or part of anagreement and is stored on a blockchain-enabled platform. Smartcontracts are neither "contracts" in the sense of legallybinding agreements nor "smart" in employing applicationsof AI. Rather, they consist of coded automated parametersresponsive to what is recorded on a blockchain. For example, if theparties in a blockchain network have indicated, by initiating atransaction, that certain parameters have been met, the code willexecute the step or steps triggered by those coded parameters. Theinput parameters and the execution steps for smart contracts needto be specific the digital equivalent of if X, thenY statements. In other words, when required conditions havebeen met, a particular specified outcome occurs; in the same waythat a vending machine sells a can of soda once change has beendeposited, smart contracts allow title to digital assets to betransferred upon the occurrence of certain events. Nevertheless,the tasks that smart contracts are currently capable of performingare fairly rudimentary. As developers figure out how to expandtheir networks, integrate them with enterprise-level technologiesand develop more responsive smart contracts, there is every reasonto believe that smart contracts and their decentralizedapplications (d'Apps) will see increased adoption.

AI and blockchain technology may appear to be diametricopposites. AI is an active technologyitanalyzes what is around and formulates solutions based on thehistory of what it has been exposed to. By contrast, blockchain isdata agnostic with respect to what is written into it thetechnology bundle is largely passive. It is primarily inthat distinction that we find synergy, for each technology augmentsthe strengths and tempers the weaknesses of the other. For example,AI technology requires access to big data sets in order to learnand improve, yet many of the sources of these data sets are hiddenin proprietary silos. With blockchain, stakeholders are empoweredto contribute data to an openly available and distributed networkwith immutability of data as a core feature. With a potentiallylarger pool of data to work from, the machine learning mechanismsof a widely distributed, blockchain-enabled and AI-powered solutioncould improve far faster than that of a private data AIcounterpart. These technologies on their own are more limited.Blockchain technology, in and of itself, is not capable ofevaluating the accuracy of the data written into its immutablenetwork garbage in, garbage out. AI can, however, act as alearned gatekeeper for what information may come on and off thenetwork and from whom. Indeed, the interplay between these diversecapabilities will likely lead to improvements across a broad arrayof industries, each with unique challenges that the twotechnologies together may overcome.

Footnotes

1 See Rachel Metz, Why WeCan't Quit the QWERTY Keyboard, MIT Technology Review(Oct. 13, 2018), available at: https://www.technologyreview.com/s/611620/why-we-cant-quit-the-qwerty-keyboard/.

2 Alexis Madrigal, The Lies You'veBeen Told About the Origin of the QWERTY Keyboard, TheAtlantic (May 3, 2013), available at: https://www.theatlantic.com/technology/archive/2013/05/the-lies-youve-been-told-about-the-origin-of-the-qwerty-keyboard/275537/.

3 See Metz, supra note1.

4 See Artificial Intelligence,Merriam-Webster's Online Dictionary, Merriam-Webster (lastaccessed Mar. 27, 2019), available at: https://www.merriam-webster.com/dictionary/artificial%20intelligence.

5 See Andrew Ng, What ArtificialIntelligence Can and Can't Do Right Now, Harvard BusinessReview (Nov. 9, 2016), available at: https://hbr.org/2016/11/what-artificial-intelligence-can-and-cant-do-right-now.

6 Louise Matsakis, Artificial IntelligenceMay Not Hallucinate After All, Wired (May 8, 2019),available at: https://www.wired.com/story/adversarial-examples-ai-may-not-hallucinate/.

7 Id.

8 Jerry Kaplan, Opinion: Why Your AI MightBe Racist, Washington Post (Dec. 17, 2018), availableat: https://www.washingtonpost.com/opinions/2018/12/17/why-your-ai-might-be-racist/?noredirect=on&utm_term=.568983d5e3ec.

9 See Shanaan Cohsey, David A.Hoffman, Jeremy Sklaroff and David A. Wishnick, Coin-OperatedCapitalism, Penn. Inst. for L. & Econ. (No. 18-37) (Jul.17, 2018) at 12, available at: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3215345##.

10 See Bitcoin Energy ConsumptionIndex (last accessed May 13, 2019), available at: https://digiconomist.net/bitcoin-energy-consumption.

Keywords:Artificial Intelligence + Robotics,Blockchain, Fintech

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Because of the generality of this update, the informationprovided herein may not be applicable in all situations and shouldnot be acted upon without specific legal advice based on particularsituations.

Morrison & Foerster LLP. All rights reserved

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