Artificial Intelligence (AI) helps in predicting future trends based on analysis of past behavior of customers, and also helps banks to detect patterns in laundering, identify fraud, and make customer recommendations. These advantages are resulting in increasing deployment of AI in banking operations, which is driving revenue growth of the global Artificial Intelligence in BFSI market. AI understands customer behavior and allows banks to customize financial products and services by adding personalized features to build strong relationships with customers. Digital payment advisors, Artificial Intelligence bots, and biometric fraud detection mechanisms result in high quality of services to a wider customer base. AI helps in increasing revenue, reducing costs, and boosting potential of profit.

Sharing medical data between institutions is difficult in practice due to data protection laws and official procedures within institutions. Therefore, most existing algorithms are trained on relatively small electroencephalogram (EEG) data sets which is likely to be detrimental to prediction accuracy. In this work, we simulate a case when the data can not be shared by splitting the publicly available data set into disjoint sets representing data in individual institutions. We propose to train a (local) detector in each institution and aggregate their individual predictions into one final prediction. Four aggregation schemes are compared, namely, the majority vote, the mean, the weighted mean and the Dawid-Skene method. The method was validated on an independent data set using only a subset of EEG channels. The ensemble reaches accuracy comparable to a single detector trained on all the data when sufficient amount of data is available in each institution. The weighted mean aggregation scheme showed best performance, it was only marginally outperformed by the Dawid--Skene method when local detectors approach performance of a single detector trained on all available data.

Probabilistic classifiers output confidence scores along with their predictions, and these confidence scores should be calibrated, i.e., they should reflect the reliability of the prediction. Confidence scores that minimize standard metrics such as the expected calibration error (ECE) accurately measure the reliability on average across the entire population. However, it is in general impossible to measure the reliability of an individual prediction. In this work, we propose the local calibration error (LCE) to span the gap between average and individual reliability. For each individual prediction, the LCE measures the average reliability of a set of similar predictions, where similarity is quantified by a kernel function on a pretrained feature space and by a binning scheme over predicted model confidences. We show theoretically that the LCE can be estimated sample-efficiently from data, and empirically find that it reveals miscalibration modes that are more fine-grained than the ECE can detect. Our key result is a novel local recalibration method LoRe, to improve confidence scores for individual predictions and decrease the LCE. Experimentally, we show that our recalibration method produces more accurate confidence scores, which improves downstream fairness and decision making on classification tasks with both image and tabular data.

Understanding the abundance and distribution of fish in tidal energy streams is important to assess risks presented by introducing tidal energy devices to the habitat. However tidal current flows suitable for tidal energy are often highly turbulent, complicating the interpretation of echosounder data. The portion of the water column contaminated by returns from entrained air must be excluded from data used for biological analyses. Application of a single conventional algorithm to identify the depth-of-penetration of entrained air is insufficient for a boundary that is discontinuous, depth-dynamic, porous, and varies with tidal flow speed. Using a case study at a tidal energy demonstration site in the Bay of Fundy, we describe the development and application of a deep machine learning model with a U-Net based architecture. Our model, Echofilter, was highly responsive to the dynamic range of turbulence conditions and sensitive to the fine-scale nuances in the boundary position, producing an entrained-air boundary line with an average error of 0.33m on mobile downfacing and 0.5-1.0m on stationary upfacing data, less than half that of existing algorithmic solutions. The model's overall annotations had a high level of agreement with the human segmentation, with an intersection-over-union score of 99% for mobile downfacing recordings and 92-95% for stationary upfacing recordings. This resulted in a 50% reduction in the time required for manual edits when compared to the time required to manually edit the line placement produced by the currently available algorithms. Because of the improved initial automated placement, the implementation of the models permits an increase in the standardization and repeatability of line placement.

It is well known that translations generated by an excellent document-level neural machine translation (NMT) model are consistent and coherent. However, existing sentence-level evaluation metrics like BLEU can hardly reflect the model's performance at the document level. To tackle this issue, we propose a Discourse Cohesion Evaluation Method (DCoEM) in this paper and contribute a new test suite that considers four cohesive manners (reference, conjunction, substitution, and lexical cohesion) to measure the cohesiveness of document translations. The evaluation results on recent document-level NMT systems show that our method is practical and essential in estimating translations at the document level.

The abundance of gaps in satellite image time series often complicates the application of deep learning models such as convolutional neural networks for spatiotemporal modeling. Based on previous work in computer vision on image inpainting, this paper shows how three-dimensional spatiotemporal partial convolutions can be used as layers in neural networks to fill gaps in satellite image time series. To evaluate the approach, we apply a U-Net-like model on incomplete image time series of quasi-global carbon monoxide observations from the Sentinel-5P satellite. Prediction errors were comparable to two considered statistical approaches while computation times for predictions were up to three orders of magnitude faster, making the approach applicable to process large amounts of satellite data. Partial convolutions can be added as layers to other types of neural networks, making it relatively easy to integrate with existing deep learning models. However, the approach does not quantify prediction errors and further research is needed to understand and improve model transferability. The implementation of spatiotemporal partial convolutions and the U-Net-like model is available as open-source software.

Prediction over event sequences is critical for many real-world applications in Information Retrieval and Natural Language Processing. Future Event Generation (FEG) is a challenging task in event sequence prediction because it requires not only fluent text generation but also commonsense reasoning to maintain the logical coherence of the entire event story. In this paper, we propose a novel explainable FEG framework, Coep. It highlights and integrates two types of event knowledge, sequential knowledge of direct event-event relations and inferential knowledge that reflects the intermediate character psychology between events, such as intents, causes, reactions, which intrinsically pushes the story forward. To alleviate the knowledge forgetting issue, we design two modules, Im and Gm, for each type of knowledge, which are combined via prompt tuning. First, Im focuses on understanding inferential knowledge to generate commonsense explanations and provide a soft prompt vector for Gm. We also design a contrastive discriminator for better generalization ability. Second, Gm generates future events by modeling direct sequential knowledge with the guidance of Im. Automatic and human evaluation demonstrate that our approach can generate more coherent, specific, and logical future events.

With the powerful performance of Artificial Intelligence (AI) also comes prevalent ethical issues. Though governments and corporations have curated multiple AI ethics guidelines to curb unethical behavior of AI, the effect has been limited, probably due to the vagueness of the guidelines. In this paper, we take a closer look at how AI ethics issues take place in real world, in order to have a more in-depth and nuanced understanding of different ethical issues as well as their social impact. With a content analysis of AI Incident Database, which is an effort to prevent repeated real world AI failures by cataloging incidents, we identified 13 application areas which often see unethical use of AI, with intelligent service robots, language/vision models and autonomous driving taking the lead. Ethical issues appear in 8 different forms, from inappropriate use and racial discrimination, to physical safety and unfair algorithm. With this taxonomy of AI ethics issues, we aim to provide AI practitioners with a practical guideline when trying to deploy AI applications ethically.

Email phishing has become more prevalent and grows more sophisticated over time. To combat this rise, many machine learning (ML) algorithms for detecting phishing emails have been developed. However, due to the limited email data sets on which these algorithms train, they are not adept at recognising varied attacks and, thus, suffer from concept drift; attackers can introduce small changes in the statistical characteristics of their emails or websites to successfully bypass detection. Over time, a gap develops between the reported accuracy from literature and the algorithm's actual effectiveness in the real world. This realises itself in frequent false positive and false negative classifications. To this end, we propose a multidimensional risk assessment of emails to reduce the feasibility of an attacker adapting their email and avoiding detection. This horizontal approach to email phishing detection profiles an incoming email on its main features. We develop a risk assessment framework that includes three models which analyse an email's (1) threat level, (2) cognitive manipulation, and (3) email type, which we combine to return the final risk assessment score. The Profiler does not require large data sets to train on to be effective and its analysis of varied email features reduces the impact of concept drift. Our Profiler can be used in conjunction with ML approaches, to reduce their misclassifications or as a labeller for large email data sets in the training stage. We evaluate the efficacy of the Profiler against a machine learning ensemble using state-of-the-art ML algorithms on a data set of 9000 legitimate and 900 phishing emails from a large Australian research organisation. Our results indicate that the Profiler's mitigates the impact of concept drift, and delivers 30% less false positive and 25% less false negative email classifications over the ML ensemble's approach.

An exhaustive study has been conducted to investigate span-based models for the joint entity and relation extraction task. However, these models sample a large number of negative entities and negative relations during the model training, which are essential but result in grossly imbalanced data distributions and in turn cause suboptimal model performance. In order to address the above issues, we propose a two-phase paradigm for the span-based joint entity and relation extraction, which involves classifying the entities and relations in the first phase, and predicting the types of these entities and relations in the second phase. The two-phase paradigm enables our model to significantly reduce the data distribution gap, including the gap between negative entities and other entities, as well as the gap between negative relations and other relations. In addition, we make the first attempt at combining entity type and entity distance as global features, which has proven effective, especially for the relation extraction. Experimental results on several datasets demonstrate that the spanbased joint extraction model augmented with the two-phase paradigm and the global features consistently outperforms previous state-of-the-art span-based models for the joint extraction task, establishing a new standard benchmark. Qualitative and quantitative analyses further validate the effectiveness the proposed paradigm and the global features.