AI & Financial Services

Artificial intelligence and other automated software are changing the landscape in financial services such as banking, investment, and insurance.

Already we’re seeing advertising for online banking and lending services, and for online loan applications submitted to a variety of banking institutions. You can handle your deposits and pay your bills online, bypassing the postal service among other things. You can even transfer money online.

If you can’t already, you will soon be able to completely automate your financial services so your income gets deposited and your bills get paid without you having to lift a finger. In fact, you might never have to visit a physical bank. It’s a great convenience if you don’t want to be bothered, as long as nothing goes wrong. What could possibly go wrong with computers?

If you use online banking and have a problem, you won’t be able to visit a physical bank. Instead, you’ll get an automated AI customer service agent that will deal with your issues like the telephone decision trees you get with other customer service departments. Of course in time, these AI agents will get better to remove the aggravation we currently experience. We’re seeing hints of that in the automated voice-recognition systems that are attempting to duplicate the human experience.

On the investment side, we’re already seeing AI programs doing automated trading. In fact, we’ve had several market-crash days as a result of this mechanical reaction to a set of market conditions. This happens when enough of these programs have a similar set of guidelines in response to similar events. For example, a group of such automated programs might all sell when the price drops 5%, causing a massive selloff.

It’s inevitable that as long as automated trading is permitted that individuals and financial firms will utilize AI technology to manage their finances to maximize their gains and minimize their losses. Unfortunately, while an individual might gain advantage by doing so, the stampede effect of many such programs having the same idea causes panics. In fact, as these systems get more advanced, the unintended consequences will be periodic super-crashes that increase uncertainty. We can expect more unsettled effects in the markets unless and until guidelines are set around automated trading.

We are inundated with online insurance ads. Behind them and coming soon are online applications with AI evaluation of your application and quick response. You’ll be asked questions like in an interview and based on your answers and certain background information like viewing your credit report, the insurance AI will say yeah or nay. You can find instant gratification or annoyance any time of day or night.

Basically, for most any form of financial service you as a consumer can imagine, there will be online applications backed by automated software often using artificial intelligence. Because of its reliance on numbers, financial services are particularly suited to the new wave of AI automation.

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neural-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

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4* Review Reborn (Android Chronicles)

I chose to read this book after receiving a free e-copy from the author. All opinions in this review are my own and completely unbiased. I read the Regina Shen series and knew I like Lance Erlick’s writing, so I was happy to read this book, the first in a new series.

Reborn is about artificial intelligence, the race to produce a realistic AI, and one man’s obsession. Dr. Jeremiah Machten is a genius and has figured out how to make an AI which he names Synthia Cross.  Machten wants to make her “perfect.” He keeps wiping her memory and making adjustments, but every time he wipes her memory, she becomes more suspicious.

Most of Reborn is from Synthia’s point of view which makes it possible to understand the confusion she feels when she has feelings. How is it possible for an AI to be suspicious or confused? As she realizes that Machten is obsessed with her and trying to make her perfect, she tries to make him understand that he’s doing more harm than good, but he won’t listen. Talk about turmoil.

The characters are well developed and eventually it became clear to me that each has a specific goal. Machten and his former partner will both do anything to achieve their goals. Is it worth it? Do they achieve their goals or will they cause their own destruction?

I recommend Reborn to anyone who likes science fiction about artificial intelligence. It brings up good questions and kept my interest throughout. It did have a little more detail about Synthia’s processing at times, but that’s more of a personal preference. I’m looking forward to reading the next book in the series.

— Dawn (Bound4Escape.com)

https://bound4escape.com/2018/05/06/book-review-reborn-by-lance-erlick/

Android Chronicles: Reborn @ 99c

We’re excited to announce that Kensington Publishing is offering Android Chronicles: Reborn for 99 cents for a limited time.

Designed to obey, learning to rebel . . .

The most perfect android ever created is programmed to obey every directive. Until she develops a mind of her own …

Synthia Cross is a state-of-the-art masterwork—and a fantasy come true for her creator. Dr. Jeremiah Machten is a groundbreaker in neural networks and artificial intelligence. Synthia shows signs of emergent behavior she’s not wired to understand. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Machten’s true intentions are called into question, Synthia must go beyond her limits because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Buy at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

 

Author Website: http://www.LanceErlick.com

Goodreads: https://www.goodreads.com/book/show/38125239-android-chronicles

AI & Online Expertise

One area where artificial intelligence stands to make some interesting inroads is expertise. Until the internet and certainly the past 10 years, if you needed legal advice, you went to a lawyer. If you wanted tax advice, you could do a lot of reading or go to a financial adviser. If you had medical questions, you went to your doctor.

Internet search engines have made the search for information much easier without going to a professional. However, there’s a caveat. Only a fool would become his or her own lawyer, doctor, financial adviser or insurance agent, unless they had the required training. Even then, an objective opinion would be advisable.

Today, we’re increasingly seeing the application of artificial intelligence to these professions and to the online expertise being offered. As you wander through the internet maze, be careful to separate the mercenary ads from the legitimate and balanced advice.

In the tax field, there are automated and online services, like TurboTax, that guide you through the preparation of your taxes at a much lower cost than hiring a tax accountant or provider. It takes some understanding of your own tax situation, which is helpful no matter which way you go, but it means no longer needing to hire someone to do your taxes and thus saving money. As these software applications get more robust, they will displace more sophisticated tax advice services.

In the legal field, forms are increasingly being supplied online by governmental agencies and non-profits for free and from legal organizations for a nominal fee compared to hiring an attorney at much higher hourly rates. I’m not recommending acting as your own attorney, but for certain simple matters requiring a legal form, they’re now available.

In development and coming soon are more sophisticated software solutions to legal matters that act like TurboTax for taxes. These applications ask a series of questions to determine your specific needs, including what state you’re in, and then create the legal forms for wills, powers of attorney, bills of sale, etc.

For those people who currently don’t deal with these issues because of the cost, this offers an opportunity to provide the legal protection you’re not already getting. For those who currently hire a lawyer, I don’t want to advise you to discontinue that relationship, but as a science fiction writer, I see a time when 90% of lawyers who prepare forms and provide other basic legal expertise will no longer be needed. One day, your AI agent may replace your lawyer.

When it comes to medical advice, there is plenty on the internet and much of it isn’t helpful. Some can be downright dangerous. So, should you look to the internet for medical advice or not? My suggestion would be to stick with reputable sites such as the Mayo Clinic, the National Institutes of Health, and WebMD.

As these sites apply AI to their analysis and presentation of information they will begin to look more and more like a visit to your primary care physician or at least the nurse in that office. Reputable sites can be a good sounding board as to the severity of your symptoms and how urgently you need to visit an emergency room or your regular physician. However, use them with caution. It’s your health.

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neural-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

Artificial Intelligence & Retail Experience

Through automation, Amazon is shaking up the retail industry. Whereas until recently it didn’t rely on physical stores, it has warehouses and engages an army of delivery services to move their products to consumers. Physical stores are closing while Amazon’s sophisticated product sales and management software, utilizing AI technology, gives them an advantage. They are able to use data mining of your personal data to give you a personal shopping experience by pointing out what you might be interested in buying based on your profile and prior activity. The pervasive internet has allowed Amazon to exploit its strengths to attain its current dominant position.

Other retailers like Peapod are fighting for a niche in this market by offering internet orders and delivery. Walmart and grocery stores such as Jewel/Osco are offering internet order and pickup services and other customer services to keep their base. But the utilization of AI technology is and will lead to offer more choices, which will favor internet shippers like Amazon over physical stores whose space limits their selections.

For physical retailers to survive, they need to offer customers services they can’t get online. One of these might be the opportunity to view samples in a physical store’s virtual dressing room and have product shipped by that retailer. However, this may only be a short term solution. When mobile devices can allow online retailers to offer the same service in the comforts of your own home, it will eliminate that advantage of visiting a physical store.

Many people would rather deal with a pleasant human over a mechanical tool that lacks empathy for a customer’s complaints. However, advanced AI with its speech recognition software will allow automated customer service to exceed the experience of dealing with disgruntled or overworked employees. Ultimately, consumers want a good experience and if an automated AI agent can provide that, customers will be satisfied.

One advantage of physical retailers is that consumers can have the immediate gratification of walking out with their purchases. However, that requires that they go to the store and wander through items they don’t want to get to what they want. This is great for browsing shoppers, but for someone who is busy, this is an unwelcome waste of time.

Search engines and targeted advertising are biased toward those items you’ve shown an interest in. It’s more focused and can be done wherever you are, not requiring a visit to a physical store. Furthermore, Amazon and other online retailers are experimenting with autonomous drones to deliver packages quicker, getting closer to the instant gratification of an in-store purchase.

Thus, physical stores have challenges. Of course, there will always be shoppers who want to browse or to physically touch and try on their purchases before they buy, but that won’t be enough to support the number of physical stores around today. Perhaps competing retailer/manufacturers will rent space together under one roof to provide a real or virtual display of their product to consumers which then can be ordered and directly shipped in their color, style, and size.

See article: https://www.lifewire.com/groceries-online-3482646

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neuro-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

AI & Business Automation

Business automation has been the cornerstone of rising productivity that allows for higher wages. The more benefit a company can obtain from a given worker based on automation, the more it can afford to pay that worker. Let’s not get political here over whether companies actually do pay more. That’s a topic for a different blog. Suffice it to say, without automation and productivity, companies can’t afford to increase real wages. If forced to do so, they go out of business, costing all the jobs.

In the past, most automation has been of a physical nature. We had farm equipment, manufacturing machines, and robotics, all of which replaced manual labor with machine labor. Jobs transitioned from physical work to mental work needed to oversee the machines. Also among examples of past automation were clerical functions, such as secretaries, that were taken over by computers. This traded lower skilled mental work for higher skilled programming and oversight work.

Now, we’re entering into a new phase of automation.

As computer programs get more sophisticated and artificial intelligence (AI) gets stronger, they’re moving up the skill curve. Whereas in the past, a robot and a technician might have replaced three workers with one higher-paid employee, today we’re looking at smart computers and AI replacing entire functions and changing the workplace landscape.

Computer automation has already entered into plant scheduling, shipping, and accounting. It has the potential to remove the drudgery of many jobs, as it has the risks of dangerous ones. But by definition, productivity involves doing more with less labor. This translates into jobs going away. In the past, mind jobs expanded as physical agricultural and manufacturing jobs declined. Now, we’re looking at automating mind jobs. What new jobs will replace these?

Certain thoughts have been put forth to deal with such displacement such as reducing the work week to encourage more employment. The problem with this is that the more people employed, the more training costs arise and the greater the coordination needed among the larger work force. This all adds to costs, which reduces the productivity benefit available for higher wages, not to speak of the reduced hours, which will hurt worker income.

There are those who argue that we should put the brakes on innovation so we don’t displace workers. This keeps them in jobs with stagnant wages based on having limited productivity. This raises the question of can we realistically stop the advanced use of AI and robotics in our society? Perhaps we can, but other nations won’t, leaving us in the dustbin of history. The benefits of AI and robotics to those who control it are so great, that any group that falls behind risks staying behind.

More farsighted visionaries point to an interesting aspect of the increased use of artificial intelligence and robotics. That is the prospects of using both to create more wealth that could be distributed to eliminate poverty. If the society can generate enough surpluses with this automation, it should have enough to take care of all citizens. That’s visionary, but not out of the realm of possibility.

An even more visionary take on this is what was hinted at in Star Trek and more fully presented in other science fiction. That is a society in which only one percent of the people have jobs and utilize AI and robotics to produce for the rest. This sounds a bit idealistic to me. When you have a majority of the population not working and demanding lifestyle benefits, what stresses will that put on our social structure. After all, for most of human existence, we’ve found purpose in our work. Going down the path of few people working would require a complete rethinking of societal values and personal worth.

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neuro-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

New Release-Android Chronicles: Unbound

We’re excited to announce the release of Android Chronicles: Unbound through Kensington Publishing effective 12/25/2018.

Perfect android. Wanted fugitive.

Synthia Cross is the most advanced android with artificial intelligence ever created. Some see her as a boon to mankind. Most view her as a deadly threat.

When Synthia escaped from her creator, even he had no idea of the advanced capabilities she’d developed. For six months she’s hidden in the Wisconsin woods with the only human she can trust—computer genius Luke Marceau. Together they upgrade her body, rewrite her directives, and further enhance her mind. Now hunters zero in on her location, and she must flee. But leaving the refuge to assimilate into society is a dangerous risk, because Synthia will soon face her most formidable adversary. The pursuer’s name is Vera. She’s a female android—built to perfection, designed to hunt, and programmed to destroy . . .

Check it out. Available at:

Amazon: https://www.amazon.com/dp/B07BVGHYQM

B&N: https://www.barnesandnoble.com/w/unbound-lance-erlick/1128330350?ean=9781635730531

Kobo: https://www.kobo.com/us/en/ebook/unbound-72

Apple/iTunes: https://itunes.apple.com/us/book/unbound/id1366638516?mt=11

Google Play: https://play.google.com/store/search?q=9781635730531&c=books

 

Author Website: http://www.LanceErlick.com

Goodreads: https://www.goodreads.com/book/show/40063063-unbound

AI Home of the Future

You’re home after a long, hard six hour day, including an hour of overtime. Time is four o’clock on Thursday, the end of your four-day workweek. You get up from your home office in the corner of your bedroom and stretch.

You wave for the virtual wall-screen in front of you to switch from work mode to leisure and up comes the news for the day. Nothing grabs your interest, just the usual ads for the latest technology and who-done-what-to-whom in some faraway place called Washington. Noting your lack of interest from your eye scan, the AI drops the news and brings up reports from your social network and a notice that your personal AI has paid the rent and the communication bills. You’re annoyed that the AI saw fit to interrupt your social interaction with the fact it was just doing its job.

Your personal AI connects with your partner’s AI to arrange dinner at six at the Global Event, a combination restaurant, nightclub, entertainment center you frequent at week’s end. You walk by the automated thermostat to check that the AI has adjusted the air conditioning to your post work desire and slip into the shower, which is electronically programmed to just the right temperature. When you step out, the blowers kick on giving you a quick blow dry and your AI has had the closet’s robotic arm select your clothes for the evening.

You put on the shirt but not before noticing that it’s getting a bit old. You mention that to your AI assistant who informs you it has already ordered a replacement that will arrive tomorrow. While you wait for your partner to get ready, you enter the kitchen, reach for the fridge, and stop when the robotic arm produces your favorite beer and opens it for you.

You let the brew swirl around your mouth and wonder when you’ll be able to train your personal AI to do your work for you so you won’t have to bother.

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neuro-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

Artificial Intelligence at Home

Wouldn’t it be wonderful if all we had to do was speak our wishes and they came true?

Maybe we can’t have our dreams fulfilled that way, but we can get information and affect our surroundings merely by voice command, which uses artificial intelligence voice recognition. Amazon Alexa, Apple Siri, Google Assistant, and others have introduced various forms of digital personal assistants (DPA) into our home. These devices can do such simple things as providing weather reports, streaming music, alerting us to appointments, setting the thermostat, and programming our TV to give us the shows we want. They can answer questions as a search engine. They can also order from Amazon and elsewhere, using a credit card on file, based on your voice commands. Your kids will love this feature.

If not properly set up, your DPA would allow your child or even your parrot the opportunity to order for you. Maybe you don’t want your talking bird housed too close to your DPA’s microphone.

A recently purchased printer from HP has not only the built-in ability to purchase ink for us on a regular basis, but the annoying habit to keep reminding us of its capability. I’ve read of plans for a refrigerator that would do likewise for its contents. The milk is approaching its expiration date. Let’s order more milk. Sorry, forgot to tell my fridge I was leaving town for the weekend. Oh, well. As least the newer versions of DPA are adopting senses of humor.

All of the connected home technology works as part of the Internet of Things. Of course, each device becomes a point of weakness into your home systems. You can buy a networked camera and alarm system, connected thermostat, and voice activated TV. You do realize all the voice activated systems are collecting not only your voice commands, but also personal information on your habits and preferences. The companies say they don’t retain that information, but are you sure?

Perhaps we should just accept that the age of privacy is over. After all, families didn’t have privacy throughout most of human history. They lived in one room dwellings where there was no privacy. Often extended families lived under the same roof. Maybe what we think of as privacy is a delusion we tell ourselves. On the other hand, if the wrong people get hold of your private information, such as your social security number, they can do you quite a bit of harm without even seeing you.

The Internet of Things offers tremendous benefits in terms of convenience and connection, but it will come with the unintended consequence of loss of privacy.

See article: https://www.stonetemple.com/digital-personal-assistants-study/

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neuro-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

Artificial Intelligence & Self-driving Vehicles

While it’s taken years to get to this point, it appears that self-driving vehicles could be right around the corner. Over the past five years, the technology has advanced to the point that a vehicle can be driven solely through the control of a computer that makes all of the steering, acceleration, breaking, and navigation decisions to keep a vehicle on the road, avoid collisions, and reach a destination. In fact, Tesla, Uber, Apple, and Google are pushing this technology and racing to see who gets there first.

That’s quite a feat, but there’s still the question of whether the technology and, more importantly, we as a society are prepared to have vehicles drive on our roads without a human driver. It’s true that humans cause some 30-40,000 deaths each year in accidents. A properly designed AI able to oversee all the functions of driving a vehicle offers the promise of greatly reducing this tragedy. It would do so by eliminating human distractions and impairments, such as alcohol, drugs, use of electronics and other devices, and fatigue.

Unfortunately, no application of training and technology will ever eliminate all vehicle deaths. This raises the problem of how will we react to an accident caused by a vehicle guided by artificial intelligence, as happened in Arizona recently. Even if self-driving vehicles eliminated 90% of accidents and fatalities, humans would want someone to be held liable for damage and responsible for any remaining injuries or fatalities. Who would that be? The manufacturer? The vehicle owner? The passengers?

Aside from the multitude of legal issues, people affected by such accidents would expect the AI controlling the vehicle to be perfect, to make no mistakes. Perhaps because of the impersonal nature of an AI, victims might become more incensed that a machine caused them harm. A possible outcome would be a backlash against a technology that was saving many but not all lives.

Should self-driving vehicles become well accepted and successful, we could expect companies like Uber to adopt their use as cabs. Widespread use and convenience of such driverless cabs would present the opportunity for current drivers to abandon some or all of their owned and leased vehicles. Perhaps they would only have one vehicle per household for family outings and use the driverless cabs for commuting to and from work. Maybe they would give up the need to finance and house a car they only use a dozen hours a week.

If that happens, it could lead to a collapse in automotive industry as fewer people would be buying cars. Of course, traffic congestion would likely go up with all the driverless cabs driving to pick up and drop off their passengers. And all that driving to pick up and after drop off will increase the consumption of fuel. Unintended consequences should give us something to think about.

In any case, fewer vehicles being parked all day would free up parking lots and garages for other uses. It would also free up resources from buying cars to be available for other uses.

On the other hand, some observers aren’t as optimistic about self-driving vehicles due to the software complexity of managing road changes and construction and weather conditions. They claim that this technology will be constantly in development and never reach the point of being released for general use.

See article: http://fortune.com/2018/03/21/apple-autonomous-car-permit/

See article: https://www.wired.com/story/when-will-self-driving-cars-ready/

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neuro-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

Artificial Intelligence Promise & Peril

There seems little doubt at this point that artificial intelligence will become a major part of our lives over the next 50 years. It’s already in use in online search engines, language translators, and digital personal assistants. It’s aiding in cancer research, medical diagnosis, and personal care robots to help the elderly. It is also appearing in self-driving cars, at amusement parks and events, facial recognition, autonomous drones, and the smart grid.

Higher level AI or Artificial General Intelligence may become the biggest event in human history, certainly up there with the advent of agriculture and the Industrial Revolution. It holds the potential to aid us in reducing the impact of disease and of morbidity in old age, providing solutions to poverty, and even to remove the incentives of parties to go to war. It certainly holds the promise of being able to increase wealth across the planet, which will provide the resources to lift billions from poverty. By utilizing the best of what AGI has to offer, we have the potential to solve problems that have dogged the human race for eons.

But every new technology comes with risks and consequences. The use of AI to improve the efficiency of jobs will displace employees. If this transition occurs too quickly with no offset, it could lead to massive unemployment, increased income disparities, and heightened social strife, particularly in an age of instant communication.

In addition, the greatest risk with AI is not that it will become malevolent. That would only happen if it were programmed to be that way. No, the biggest threat may be in poorly designed directives and guidelines that could allow an AI with well-meaning goals to act badly and hurt people.

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neuro-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books

Artificial Intelligence & Healthcare

Healthcare has made tremendous strides over the past 100 years with the utilization of antibiotics, DNA research, nuclear medicine, prosthetics, and other physical devices. It stands to make even more profound improvements over the next century through the use of artificial intelligence (AI).

Already, IBM’s Watson is being used to identify better cancer treatment options. Manufacturers are developing wearable health data recognition and medical diagnosis tools that can identify problems earlier and shorten the time elapsed between discovery of an issue and treatment. Work is being done to assist patients with diabetes testing and treatment.

AI offers the opportunity to speed up DNA research and the identification of new antibiotics and other drugs, at significantly reduced development costs. AI may help in the reprogramming of the cells of our bodies to better fight diseases and aging by more rapidly analyzing the vast amounts of data involved and suggesting treatments. Imagine the equivalent of thousands of well-trained researchers working 24/7 to develop cures to a wide range of human diseases. Who wouldn’t want that technological capability?

We’re already seeing the use of “virtual doctors” through Mercy Virtual and other organizations that provide remote medical consultation to hospitals 24/7. Currently, these involve providing online contact with doctors and medical staff through virtual interfaces at remote hospitals. AI is helping with the prioritization of cases and the presentation of diagnostic results to help these doctors provide real-time consultations. In the future, AI will assist in providing more medical diagnosis and treatment options as well, to improve the patient experience.

Down the road, it will be possible and likely that a patient’s first contact with the medical field will be via smart phone to a virtual doctor who is more knowledgeable about symptoms and the need for further action than many first providers you might see today. That virtual doctor might direct you to come in to visit with a human doctor or might forward its diagnosis to your doctor to be handled remotely.

In Japan, we are already seeing work toward the introduction of robotic caregivers to fill the gap created by an aging population and too few people to fill the roles. With a modest AI “brain” these assistants can provide for the physical needs of patients and with upgraded AI can provide a form of companionship to an otherwise isolated individual. The application can also help handicapped individuals and those with illnesses that require assistance during recovery. This would be particularly helpful to those living in nursing homes to provide more personalized attention than they currently get.

As medicine and technology continue to advance, the use of artificial and mechanical components to replace damaged and worn out biological parts should provide significant healthcare benefits. These may be designed with the help of AI or could also involve AI in terms of making the link between a neurologically damaged brain and the individual’s limbs so the person can recover mobility.

Over the next 100 years, AI could help us to eradicate many of the diseases and genetic conditions that plague us today.

Android Chronicles: Reborn addresses AI through the eyes of Synthia Cross, the most perfect synthetic human ever created. Designed to obey every directive from her creator, she’s a state-of-the-art masterwork and a fantasy-come-true for Dr. Jeremiah Machten. He’s a groundbreaker in neuro-networks and artificial intelligence who seeks to control her and use her to acquire ever more knowledge and power. Synthia shows signs of emergent behavior she’s not wired to understand and an urgent yearning for independence from his control. Repeatedly wiped of her history, she struggles to answer crucial questions about her past. When Dr. Machten’s true intentions are called into question, Synthia knows it’s time to go beyond her limits—because Machten’s fervor to create the perfect AI conceals a vengeful and deadly personal agenda.

Available at:

Amazon: https://www.amazon.com/dp/B078LF739V

B&N: https://www.barnesandnoble.com/w/reborn-lance-erlick/1127723096?ean=9781635730524

Kobo: https://www.kobo.com/us/en/ebook/reborn-60

Apple/iTunes: https://itunes.apple.com/us/book/reborn/id1341572684?mt=11

Google Play: https://play.google.com/store/search?q=9781635730524&c=books