Australian Banks Actively Seeking Conversational AI Use Cases with ChatGPT and Other Platforms

Conversational AI platforms such as ChatGPT are being investigated by Australian banks in order to improve customer experiences and optimize internal processes. The Commonwealth Bank and ANZ Banking Group are among those looking for use cases for the new wave of tools that have hit the market since OpenAI’s ChatGPT debuted in November 2021. These financial institutions are looking into the potential of generative AI to reshape their operations and improve customer protections, such as fraud and cyber threat detection. They are, however, cautious and committed to the ethical and responsible use of data and artificial intelligence.

AI is not a new concept in the banking industry, with some banks already utilizing AI for virtual assistants, chatbots, and speech recognition technology. However, with the emergence of new AI players, AI technology has the potential to transform the banking sector. The potential of these new AI players is also being investigated by NAB. Banks want to empower their employees, particularly those in complex roles like software engineers, so that they can provide even more personalized and better experiences for their customers.

Source: ITNews (link)
Images: MidJourney, Prompts by Lewis Farrell

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AI Torah Commentary: Resurrecting Voices and Retaining Humanity

This article by Rabbi David Wolpe examines the relationship between artificial intelligence and human creativity. The author describes how he used OpenAI’s ChatGPT technology to generate Torah commentaries in his voice, and how he realized that the refracted voice created by AI is both familiar and strange. He doubts AI’s ability to truly capture the human experience and uniqueness, citing the Jewish belief that no two people are alike, even if they share a “die.” Wolpe also uses literary references, such as a Black Mirror episode and a short story by Jorge Louis Borges, to consider the implications of AI becoming more convincing and human-like. He ultimately argues that embracing imperfection and mortality is the key to retaining our humanity in the age of AI. Anyone interested in the role of technology in shaping our creative expression and identity should read this article.

Source: Times of Israel (link)
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Scientists unveil plan to create biocomputers powered by human brain cells 

Organoids (credit: Thomas Hartung, Johns Hopkins University)

Despite AI’s impressive track record, its computational power pales in comparison with that of the human brain. Scientists today unveil a revolutionary path to drive computing forward: organoid intelligence (OI), where lab-grown brain organoids serve as biological hardware. “This new field of biocomputing promises unprecedented advances in computing speed, processing power, data efficiency, and storage capabilities — all with lower energy needs,” say the authors in an article published in Frontiers in Science. 

Artificial intelligence (AI) has long been inspired by the human brain. This approach proved highly successful: AI boasts impressive achievements – from diagnosing medical conditions to composing poetry. Still, the original model continues to outperform machines in many ways. This is why, for example, we can ‘prove our humanity’ with trivial image tests online. What if instead of trying to make AI more brain-like, we went straight to the source? 

Scientists across multiple disciplines are working to create revolutionary biocomputers where three-dimensional cultures of brain cells, called brain organoids, serve as biological hardware. They describe their roadmap for realizing this vision in the journal Frontiers in Science.  

“We call this new interdisciplinary field ‘organoid intelligence’ (OI),” said Prof Thomas Hartung of Johns Hopkins University. “A community of top scientists has gathered to develop this technology, which we believe will launch a new era of fast, powerful, and efficient biocomputing.”   

What are brain organoids, and why would they make good computers?  

Brain organoids are a type of lab-grown cell-culture. Even though brain organoids aren’t ‘mini brains’, they share key aspects of brain function and structure such as neurons and other brain cells that are essential for cognitive functions like learning and memory. Also, whereas most cell cultures are flat, organoids have a three-dimensional structure. This increases the culture’s cell density 1,000-fold, meaning that neurons can form many more connections.   

But even if brain organoids are a good imitation of brains, why would they make good computers? After all, aren’t computers smarter and faster than brains?  

“While silicon-based computers are certainly better with numbers, brains are better at learning,” Hartung explained. “For example, AlphaGo [the AI that beat the world’s number one Go player in 2017] was trained on data from 160,000 games. A person would have to play five hours a day for more than 175 years to experience these many games.”  

Brains are not only superior learners, they are also more energy efficient. For instance, the amount of energy spent training AlphaGo is more than is needed to sustain an active adult for a decade. 

“Brains also have an amazing capacity to store information, estimated at 2,500TB,” Hartung added. “We’re reaching the physical limits of silicon computers because we cannot pack more transistors into a tiny chip. But the brain is wired completely differently. It has about 100bn neurons linked through over 1015 connection points. It’s an enormous power difference compared to our current technology.” 

What would organoid intelligence bio computers look like? 

According to Hartung, current brain organoids need to be scaled-up for OI. “They are too small, each containing about 50,000 cells. For OI, we would need to increase this number to 10 million,” he explained. 

In parallel, the authors are also developing technologies to communicate with the organoids: in other words, to send them information and read out what they’re ‘thinking’. The authors plan to adapt tools from various scientific disciplines, such as bioengineering and machine learning, as well as engineer new stimulation and recording devices.  

“We developed a brain-computer interface device that is a kind of an EEG cap for organoids, which we presented in an article published last August. It is a flexible shell that is densely covered with tiny electrodes that can both pick up signals from the organoid, and transmit signals to it,” said Hartung.  

The authors envision that eventually OI would integrate a wide range of stimulation and recording tools. These will orchestrate interactions across networks of interconnected organoids that implement more complex computations.  

Organoid intelligence could help prevent and treat neurological conditions

OI’s promise goes beyond computing and into medicine. Thanks to a groundbreaking technique developed by Noble Laureates John Gurdon and Shinya Yamanaka, brain organoids can be produced from adult tissues. This means that scientists can develop personalized brain organoids from skin samples of patients suffering from neural disorders, such as Alzheimer’s disease. They can then run multiple tests to investigate how genetic factors, medicines, and toxins influence these conditions.  

“With OI, we could study the cognitive aspects of neurological conditions as well,” Hartung said. “For example, we could compare memory formation in organoids derived from healthy people and from Alzheimer’s patients, and try to repair relative deficits. We could also use OI to test whether certain substances, such as pesticides, cause memory or learning problems.” 

Source:

Taking ethical considerations into account 

Creating human brain organoids that can learn, remember, and interact with their environment raises complex ethical questions. For example, could they develop consciousness, even in a rudimentary form? Could they experience pain or suffering? And what rights would people have concerning brain organoids made from their cells?   

The authors are acutely aware of these issues. “A key part of our vision is to develop OI in an ethical and socially responsible manner,” Hartung said. “For this reason, we have partnered with ethicists from the very beginning to establish an ‘embedded ethics’ approach. All ethical issues will be continuously assessed by teams made up of scientists, ethicists, and the public, as the research evolves.” 

How far are we from the first organoid intelligence? 

Even though OI is still in its infancy, a recently-published study by one of the article’s co-authors – Dr Brett Kagan of the Cortical Labs – provides proof of concept. His team showed that a normal, flat brain cell culture can learn to play the video game Pong.  

“Their team is already testing this with brain organoids,” Hartung added. “And I would say that replicating this experiment with organoids already fulfills the basic definition of OI. From here on, it’s just a matter of building the community, the tools, and the technologies to realize OI’s full potential,” he concluded.

Citation: Organoid intelligence (OI): the new frontier in biocomputing and intelligence-in-a-dish. Front.Sci., 27 Feb 2023. 10.3389/fsci.2023.1017235 Smirnova L, Caffo BS, Gracias DH, Huang Q, Morales Pantoja IE, Tang B, et al. (2023) Organoid intelligence(OI): the new frontier in biocomputing and intelligence-in-a-dish. Front. Sci. 1:1017235. doi: 10.3389/fsci.2023.1017235

Source: Posted on February 28, 2023 by Frontiers Science Communications

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World Futures Day, a 24-hour, around-the-world conversation on the future, will be held March 1 all day

Hosted by The Millennium Project, anyone in the world can join the discussion on Zoom at local 12 noon in whatever time zone you’re in. “This will be the tenth year this open conversation on how to build a better future has been held,” says Jerome Glenn, CEO of The Millennium Project.

The event will kick off in New Zealand March 1 at 12 noon NZ time and will move west every hour. At 11 noon East Coast U.S. time, Internet pioneer Vint Cerf and futurist pioneer Theodore Gordon will join the event, according to Glenn. 

World Futures Day — Young Voices will be a side event, co-organized by Teach the Future and The Millennium Project.

Other participating organizations include Association of Professional Futurists (APF), Humanity+, the Lifeboat Foundation, the World Academy of Art and Science, and the World Futures Studies Federation (WFSF). 

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How AI is Revolutionizing Global Problem Solving: Insights from a New Study

AI is increasingly being recognized for its potential to address major societal challenges such as globalization, digitization, urbanization, climate change, and others. According to a recent study conducted by the Medical University of Vienna, AI has the potential to provide understandable insights into these complex and interconnected issues, as well as potential solutions for addressing them. The study examined the potential of AI for societal megatrends using OpenAI’s Generative Pre-Trained Transformer 3 (GPT-3).

According to the study, AI has the potential to significantly improve understanding of these megatrends by providing insights into how they might evolve over time and what solutions might be implemented. The researchers caution, however, that while AI systems are becoming more sophisticated, they are not infallible and can still make mistakes or produce incorrect results.

Furthermore, the study emphasizes the importance of having an ethical discussion about the broader use of AI systems for writing scientific research papers. The researchers recommend that more research be done on how to best use new AI technologies to address these challenges, and that journal policies be adjusted to ensure the accuracy and reliability of AI-generated content.

AI has enormous potential to contribute to global challenges, but careful consideration and ethical debate are required to ensure that it is used responsibly and effectively.

Source: Science Daily (link)
Images: MidJourney, Prompts by Lewis Farrell

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Revolutionizing Agriculture: How AI is Helping Farmers Combat Crop Pathogens and Climate Change

According to plant pathologist Karen Garrett of the University of Florida, AI can assist farmers and policymakers in making informed decisions to combat crop pathogen threats. Garrett explained to Scientific American that AI can detect diseases and pest infestations early on, allowing growers and others to catch problems before they cause significant damage. This could be especially beneficial for crop protection in areas where unpredictable weather patterns caused by climate change are exacerbating the spread of crop diseases. Garrett pointed out that most pathogens prefer a specific temperature range, and that AI tools can use image analysis to pinpoint the location of pathogen-infected crops. Satellites and drones can take images to analyze changes in the coloration, shape, and size of leaves, flowers, and fruits. Garrett added that better software for breeding crops with disease resistance and drought tolerance, as well as designing better robots for pesticide delivery and harvesting, are other ways AI can help improve crop resilience.

Source: FastCompany (link)
Images: MidJourney, Prompts by Lewis Farrell

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The Rise of AI Art: How Technology is Transforming the Art World and Shifting the Boundaries of Creativity

AI-generated art is gaining popularity, sparking debates about artist agency, copyright, and the market. Self-generating algorithms that derive knowledge from data are used in AI art, and artists who use AI to create works suggest that it prompts a paradigm shift. “AI has the potential to open the gates for new perceptions of image-making, just as the development of photography liberated painting from pure factual representation,” says Jon Rafman, artist of Counterfeit Poast, created entirely from AI imagery. As demonstrated by the three artists chosen for the six-month remote artist residency program PATH-AI, AI art has the potential to open doors to new possibilities. AI art also raises ethical and legal questions about authorship, such as whether AI-generated works are eligible for copyright protection, which varies by country. Perry Jonsson, an Edinburgh-based filmmaker and digital artist who uses AI tools, warns that if everyone uses AI, productivity will increase but uniformity will result. German digital artist Mario Klingemann believes that artists should embrace AI’s possibilities as it becomes the new normal.

Source: The Art Newspaper (link)
Images: MidJourney, Prompts by Lewis Farrell

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Why AI is the Most Important Thing Humanity Has Ever Worked On

ChatGPT may appear to be yet another new technology gimmick, but it is an example of Artificial Intelligence (AI) with the potential to change the world as we know it. According to experts, artificial intelligence (AI) is the most important thing humanity has ever worked on, even more profound than electricity. Although some have dismissed AI’s significance, it has been demonstrated to improve prediction, which has the potential to transform economies, businesses, and work itself. While AI has yet to produce the expected productivity gains, this is not an unusual paradox. Similar scenarios occurred with computers, steam engines, and electricity, all of which took their time to catch on but eventually transformed the world. We are currently in “The Between Times,” when businesses see financial benefits from improved prediction. However, AI’s true potential will be realized only when its benefits in prediction are fully realized. Prediction will change how decisions are made in many cases, forcing organizations to adapt, and then AI will really take off.

Despite the potential benefits of AI, there are concerns about job automation and the monster of popular fears. However, AI does not make decisions; rather, it assists managers in making decisions. Companies must prepare for employees who regard AI chatbots as natural as calculators and spell-checkers. This implies that more coordinated legislation in areas such as intellectual property and individual protection would be beneficial. A greater understanding of the fact that humans do not have complete control over how things will turn out would also be beneficial. While AI may be slow to deliver, it will bring about fundamental change.

Source: Forbes (link)
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Using AI music generators for your creative process: Advantages and Disadvantages of Top Tools

The way we create art, including music, is changing as a result of artificial intelligence. Amateur musicians now have an innovative way to improve their creative process thanks to AI music generators. These systems are used in the music industry as supplementary tools, not as replacements for human artists. Many experts, researchers, musicians, and record labels are investigating new ways to incorporate AI technologies into music, which has resulted in an increase in the number of AI music generators on the market.

This article examines four of the best artificial intelligence music generators: Amper Music, AIVA, Ecrett Music, and Boomy. Amper Music, which is now owned by Shutterstock, is one of the most user-friendly AI music generators, making it ideal for content creators or individuals looking to create soundtracks and sounds for games, movies, or podcasts. AIVA, on the other hand, enables users to create music from scratch as well as variations on existing songs without having to worry about music licensing processes. This article also looks at Ecrett Music and Boomy, the former of which allows users to generate music clips by training on hundreds of hours of existing songs and the latter of which allows users to create original songs in seconds that can be submitted for streaming revenue from various services.

Although these tools have numerous advantages, such as multiple subscription plans and a large number of preset music styles and formats, they also have drawbacks, such as the need for a subscription for unlimited downloading or the lack of a standalone product. In any case, AI music generators have opened up a whole new world for musicians, giving them a simple way to create music and improve their creative process.

Source: Voonze (link)
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Revolutionizing Financial Services: How AI is Transforming the Industry

Artificial intelligence (AI) is transforming the financial services industry, ushering in unprecedented and long-overdue change. AI is being used by financial institutions to revolutionize decision-making, reduce fraud, speed up services, and personalize customer experiences, among other things.

AI-powered personalized conversational interfaces, biometric profiles, and chatbots are redefining and restoring personalized experiences that foster trust among consumers and small business owners, while AI is also improving outcomes by providing institutions with previously inaccessible data. Traditional finance can also use their sector expertise and deep capital to block disrupters as a result of the technology.

It is important to note, however, that successful banks have developed processes that keep humans informed. To prevent the algorithm from discriminating against specific population segments, AI must be used in a human-centered manner, with credit underwriting decisions made with humans in the loop.

Financial institutions are fundamentally rethinking their technology stacks as the industry continues to be disrupted, with an active effort to evaluate what portions of their applications need to be re-written or moved to the cloud for better scalability. AI is changing the financial services industry, making it more accurate, efficient, and successful.

Source: Forbes (link)
Images: MidJourney, Prompts by Lewis Farrell

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