Large scale image classification datasets often contain noisy labels. We take a principled probabilistic approach to modelling input-dependent, also known as heteroscedastic, label noise in these datasets. We place a multivariate Normal distributed latent variable on the final hidden layer of a neural network classifier. The covariance matrix of this latent variable, models the aleatoric uncertainty due to label noise. We demonstrate that the learned covariance structure captures known sources of label noise between semantically similar and co-occurring classes. Compared to standard neural network training and other baselines, we show significantly improved accuracy on Imagenet ILSVRC 2012 79.3% (+2.6%), Imagenet-21k 47.0% (+1.1%) and JFT 64.7% (+1.6%). We set a new state-of-the-art result on WebVision 1.0 with 76.6% top-1 accuracy. These datasets range from over 1M to over 300M training examples and from 1k classes to more than 21k classes. Our method is simple to use, and we provide an implementation that is a drop-in replacement for the final fully-connected layer in a deep classifier.

With the rapid adoption of Internet technologies, digital footprints have become ubiquitous and versatile to revolutionise the financial industry in digital transformation. This paper takes initiatives to investigate a new paradigm of the unified credit assessment with the use of federated artificial intelligence. We conceptualised digital human representation which consists of social, contextual, financial and technological dimensions to assess the commercial creditworthiness and social reputation of both banked and unbanked individuals. A federated artificial intelligence platform is proposed with a comprehensive set of system design for efficient and effective credit scoring. The study considerably contributes to the cumulative development of financial intelligence and social computing. It also provides a number of implications for academic bodies, practitioners, and developers of financial technologies.

Non-stationary environments are challenging for reinforcement learning algorithms. If the state transition and/or reward functions change based on latent factors, the agent is effectively tasked with optimizing a behavior that maximizes performance over a possibly infinite random sequence of Markov Decision Processes (MDPs), each of which drawn from some unknown distribution. We call each such MDP a context. Most related works make strong assumptions such as knowledge about the distribution over contexts, the existence of pre-training phases, or a priori knowledge about the number, sequence, or boundaries between contexts. We introduce an algorithm that efficiently learns policies in non-stationary environments. It analyzes a possibly infinite stream of data and computes, in real-time, high-confidence change-point detection statistics that reflect whether novel, specialized policies need to be created and deployed to tackle novel contexts, or whether previously-optimized ones might be reused. We show that (i) this algorithm minimizes the delay until unforeseen changes to a context are detected, thereby allowing for rapid responses; and (ii) it bounds the rate of false alarm, which is important in order to minimize regret. Our method constructs a mixture model composed of a (possibly infinite) ensemble of probabilistic dynamics predictors that model the different modes of the distribution over underlying latent MDPs. We evaluate our algorithm on high-dimensional continuous reinforcement learning problems and show that it outperforms state-of-the-art (model-free and model-based) RL algorithms, as well as state-of-the-art meta-learning methods specially designed to deal with non-stationarity.

It is a fact that, when developing a new application, it is virtually impossible to reuse, as-is, existing datasets. This difficulty is the cause of additional costs, with the further drawback that the resulting application will again be hardly reusable. It is a negative loop which consistently reinforces itself and for which there seems to be no way out. iTelos is a general purpose methodology designed to break this loop. Its main goal is to generate reusable Knowledge Graphs (KGs), built reusing, as much as possible, already existing data. The key assumption is that the design of a KG should be done middle-out meaning by this that the design should take into consideration, in all phases of the development: (i) the purpose to be served, that we formalize as a set of competency queries, (ii) a set of pre-existing datasets, possibly extracted from existing KGs, and (iii) a set of pre-existing reference schemas, whose goal is to facilitate sharability. We call these reference schemas, teleologies, as distinct from ontologies, meaning by this that, while having a similar purpose, they are designed to be easily adapted, thus becoming a key enabler of itelos.

Citizens' assemblies need to represent subpopulations according to their proportions in the general population. These large committees are often constructed in an online fashion by contacting people, asking for the demographic features of the volunteers, and deciding to include them or not. This raises a trade-off between the number of people contacted (and the incurring cost) and the representativeness of the committee. We study three methods, theoretically and experimentally: a greedy algorithm that includes volunteers as long as proportionality is not violated; a non-adaptive method that includes a volunteer with a probability depending only on their features, assuming that the joint feature distribution in the volunteer pool is known; and a reinforcement learning based approach when this distribution is not known a priori but learnt online.

Machine-generated artworks are now part of the contemporary art scene: they are attracting significant investments and they are presented in exhibitions together with those created by human artists. These artworks are mainly based on generative deep learning techniques. Also given their success, several legal problems arise when working with these techniques. In this article we consider a set of key questions in the area of generative deep learning for the arts. Is it possible to use copyrighted works as training set for generative models? How do we legally store their copies in order to perform the training process? And then, who (if someone) will own the copyright on the generated data? We try to answer these questions considering the law in force in both US and EU and the future alternatives, trying to define a set of guidelines for artists and developers working on deep learning generated art.

The 4th edition of the Montreal AI Ethics Institute's The State of AI Ethics captures the most relevant developments in the field of AI Ethics since January 2021. This report aims to help anyone, from machine learning experts to human rights activists and policymakers, quickly digest and understand the ever-changing developments in the field. Through research and article summaries, as well as expert commentary, this report distills the research and reporting surrounding various domains related to the ethics of AI, with a particular focus on four key themes: Ethical AI, Fairness & Justice, Humans & Tech, and Privacy. In addition, The State of AI Ethics includes exclusive content written by world-class AI Ethics experts from universities, research institutes, consulting firms, and governments. Opening the report is a long-form piece by Edward Higgs (Professor of History, University of Essex) titled "AI and the Face: A Historian's View." In it, Higgs examines the unscientific history of facial analysis and how AI might be repeating some of those mistakes at scale. The report also features chapter introductions by Alexa Hagerty (Anthropologist, University of Cambridge), Marianna Ganapini (Faculty Director, Montreal AI Ethics Institute), Deborah G. Johnson (Emeritus Professor, Engineering and Society, University of Virginia), and Soraj Hongladarom (Professor of Philosophy and Director, Center for Science, Technology and Society, Chulalongkorn University in Bangkok). This report should be used not only as a point of reference and insight on the latest thinking in the field of AI Ethics, but should also be used as a tool for introspection as we aim to foster a more nuanced conversation regarding the impacts of AI on the world.

Conversational agents (CAs) represent an emerging research field in health information systems, where there are great potentials in empowering patients with timely information and natural language interfaces. Nevertheless, there have been limited attempts in establishing prescriptive knowledge on designing CAs in the healthcare domain in general, and diabetes care specifically. In this paper, we conducted a Design Science Research project and proposed three design principles for designing health-related CAs that embark on artificial intelligence (AI) to address the limitations of existing solutions. Further, we instantiated the proposed design and developed AMANDA - an AI-based multilingual CA in diabetes care with state-of-the-art technologies for natural-sounding localised accent. We employed mean opinion scores and system usability scale to evaluate AMANDA's speech quality and usability, respectively. This paper provides practitioners with a blueprint for designing CAs in diabetes care with concrete design guidelines that can be extended into other healthcare domains.

As an important part of Artificial Intelligence (AI), Question Answering (QA) aims at generating answers to questions phrased in natural language. While there has been substantial progress in open-domain question answering, QA systems are still struggling to answer questions which involve geographic entities or concepts and that require spatial operations. In this paper, we discuss the problem of geographic question answering (GeoQA). We first investigate the reasons why geographic questions are difficult to answer by analyzing challenges of geographic questions. We discuss the uniqueness of geographic questions compared to general QA. Then we review existing work on GeoQA and classify them by the types of questions they can address. Based on this survey, we provide a generic classification framework for geographic questions. Finally, we conclude our work by pointing out unique future research directions for GeoQA.

Deep neural networks are found to be prone to adversarial examples which could deliberately fool the model to make mistakes. Recently, a few of works expand this task from 2D image to 3D point cloud by using global point cloud optimization. However, the perturbations of global point are not effective for misleading the victim model. First, not all points are important in optimization toward misleading. Abundant points account considerable distortion budget but contribute trivially to attack. Second, the multi-label optimization is suboptimal for adversarial attack, since it consumes extra energy in finding multi-label victim model collapse and causes instance transformation to be dissimilar to any particular instance. Third, the independent adversarial and perceptibility losses, caring misclassification and dissimilarity separately, treat the updating of each point equally without a focus. Therefore, once perceptibility loss approaches its budget threshold, all points would be stock in the surface of hypersphere and attack would be locked in local optimality. Therefore, we propose a local aggressive adversarial attacks (L3A) to solve above issues. Technically, we select a bunch of salient points, the high-score subset of point cloud according to gradient, to perturb. Then a flow of aggressive optimization strategies are developed to reinforce the unperceptive generation of adversarial examples toward misleading victim models. Extensive experiments on PointNet, PointNet++ and DGCNN demonstrate the state-of-the-art performance of our method against existing adversarial attack methods.