It is fundamentally a credit decision, right? And fundamentally a credit product, right? But presumably it is not described as that, because I can’t imagine any bank wants to calculate that APR in a conversation with e.g. regulators.
POLICY
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Google’s 200+ Calls: Data Scraping and Business Privacy Concerns
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Google has now called me more than 200 times, having scraped my business number from public filings, asking to verify it so that they can expose it in search results / verify my Google Local listing. This is more than all other sources of calls. Combined.
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Open Foundation Models: Industry and Academia Workshop
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Experts from industry, academia, and government shared ideas for promoting responsible open foundation models in a workshop hosted by @PrincetonCITP and @StanfordCRFM
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Open Source AI Emerges as Counterweight to Proprietary Systems
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The counterweight to closed/proprietary AI is open/free AI.
All of Academia, many governments, almost all the startups, and a few larger companies are embracing the open source approach to AI, the biggest ones being Meta and IBM. -
AI’s Unlimited Potential Across Business, Healthcare, and Military
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"AI is on track, he says, to help run our businesses, treat our ailments, and fight our battles. There seems no obvious upper limit on what’s possible.” https://
wsj.com/arts-culture/b
ooks/the-coming-wave-review-wonders-ahead-trouble-too-27e2fb18?mod=opinion_reviews_pos1
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Designing AI systems for honest users versus criminal threats
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And so does that process need to be designed to optimize for the needs of its typical user, the honest person, or its typical user, a criminal you can’t offer services to? Yes.
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Criminals vs Honest Users: Account Security Scale Problem
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“Surely, criminals are not more numerous than honest working folk.” Of course they aren’t. But if you have an account opening process, your typical honest customer will go through that precisely once, and a criminal might try to go through it 13,000 times. On Tuesday.
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Bureaucratic Process Design and Abuse Prevention Challenges
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A persistent surprise for entrepreneurs and policymakers, which is illegible to customers and largely outside of their mental models, is that bureaucratic processes will disproportionately need to engage with people attempting to abuse the process.
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How to Opt-Out of ChatGPT Training Data
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If you prefer that OpenAI doesn't use your ChatGPT conversations to train their models, here's how you can opt-out: 1) Go to https://
privacy.openai.com 2) Click the button on the right & fill out the "Do not train on my content" form. 3) You'll receive a confirmation shortly