As the potential applications of Artificial Intelligence (AI) in the financial sector increases, ethical issues become gradually latent. The distrust of individuals, social groups, and governments about the risks arising from Fintech's activities is growing. Due to this scenario, the preparation of recommendations and Ethics Guidelines is increasing and the risks of being chosen the principles and ethical values most appropriate to companies are high. Thus, this exploratory research aims to analyze the benefits of the application of the stakeholder theory and the idea of Social License to build an environment of trust and for the realization of ethical principles by Fintech. The formation of a Fintech association for the creation of a Social License will allow early-stage Fintech to participate from the beginning of its activities in the elaboration of a dynamic ethical code and with the participation of stakeholders.

Computational modelling of political discourse tasks has become an increasingly important area of research in natural language processing. Populist rhetoric has risen across the political sphere in recent years; however, computational approaches to it have been scarce due to its complex nature. In this paper, we present the new $\textit{Us vs. Them}$ dataset, consisting of 6861 Reddit comments annotated for populist attitudes and the first large-scale computational models of this phenomenon. We investigate the relationship between populist mindsets and social groups, as well as a range of emotions typically associated with these. We set a baseline for two tasks related to populist attitudes and present a set of multi-task learning models that leverage and demonstrate the importance of emotion and group identification as auxiliary tasks.

Joint damage in Rheumatoid Arthritis (RA) is assessed by manually inspecting and grading radiographs of hands and feet. This is a tedious task which requires trained experts whose subjective assessment leads to low inter-rater agreement. An algorithm which can automatically predict the joint level damage in hands and feet can help optimize this process, which will eventually aid the doctors in better patient care and research. In this paper, we propose a two-staged approach which amalgamates object detection and convolution neural networks with attention which can efficiently and accurately predict the overall and joint level narrowing and erosion from patients radiographs. This approach has been evaluated on hands and feet radiographs of patients suffering from RA and has achieved a weighted root mean squared error (RMSE) of 1.358 and 1.404 in predicting joint level narrowing and erosion Sharp van der Heijde (SvH) scores which is 31% and 19% improvement with respect to the baseline SvH scores, respectively. The proposed approach achieved a weighted absolute error of 1.456 in predicting the overall damage in hands and feet radiographs for the patients which is a 79% improvement as compared to the baseline. Our method also provides an inherent capability to provide explanations for model predictions using attention weights, which is essential given the black box nature of deep learning models. The proposed approach was developed during the RA2 Dream Challenge hosted by Dream Challenges and secured 4th and 8th position in predicting overall and joint level narrowing and erosion SvH scores from radiographs.

A density matrix describes the statistical state of a quantum system. It is a powerful formalism to represent both the quantum and classical uncertainty of quantum systems and to express different statistical operations such as measurement, system combination and expectations as linear algebra operations. This paper explores how density matrices can be used as a building block to build machine learning models exploiting their ability to straightforwardly combine linear algebra and probability. One of the main results of the paper is to show that density matrices coupled with random Fourier features could approximate arbitrary probability distributions over $\mathbb{R}^n$. Based on this finding the paper builds different models for density estimation, classification and regression. These models are differentiable, so it is possible to integrate them with other differentiable components, such as deep learning architectures and to learn their parameters using gradient-based optimization. In addition, the paper presents optimization-less training strategies based on estimation and model averaging. The models are evaluated in benchmark tasks and the results are reported and discussed.

This paper reports a novel method for supervised machine learning based on the mathematical formalism that supports quantum mechanics. The method uses projective quantum measurement as a way of building a prediction function. Specifically, the relationship between input and output variables is represented as the state of a bipartite quantum system. The state is estimated from training samples through an averaging process that produces a density matrix. Prediction of the label for a new sample is made by performing a projective measurement on the bipartite system with an operator, prepared from the new input sample, and applying a partial trace to obtain the state of the subsystem representing the output. The method can be seen as a generalization of Bayesian inference classification and as a type of kernel-based learning method. One remarkable characteristic of the method is that it does not require learning any parameters through optimization. We illustrate the method with different 2-D classification benchmark problems and different quantum information encodings.

Scalable Gaussian Process methods are computationally attractive, yet introduce modeling biases that require rigorous study. This paper analyzes two common techniques: early truncated conjugate gradients (CG) and random Fourier features (RFF). We find that both methods introduce a systematic bias on the learned hyperparameters: CG tends to underfit while RFF tends to overfit. We address these issues using randomized truncation estimators that eliminate bias in exchange for increased variance. In the case of RFF, we show that the bias-to-variance conversion is indeed a trade-off: the additional variance proves detrimental to optimization. However, in the case of CG, our unbiased learning procedure meaningfully outperforms its biased counterpart with minimal additional computation.

Object Detection (OD) is an important computer vision problem for industry, which can be used for quality control in the production lines, among other applications. Recently, Deep Learning (DL) methods have enabled practitioners to train OD models performing well on complex real world images. However, the adoption of these models in industry is still limited by the difficulty and the significant cost of collecting high quality training datasets. On the other hand, when applying OD to the context of production lines, CAD models of the objects to be detected are often available. In this paper, we introduce a fully automated method that uses a CAD model of an object and returns a fully trained OD model for detecting this object. To do this, we created a Blender script that generates realistic labeled datasets of images containing the object, which are then used for training the OD model. The method is validated experimentally on two practical examples, showing that this approach can generate OD models performing well on real images, while being trained only on synthetic images. The proposed method has potential to facilitate the adoption of object detection models in industry as it is easy to adapt for new objects and highly flexible. Hence, it can result in significant costs reduction, gains in productivity and improved products quality.

Continuous assessment of task difficulty and mental workload is essential in improving the usability and accessibility of interactive systems. Eye tracking data has often been investigated to achieve this ability, with reports on the limited role of standard blink metrics. Here, we propose a new approach to the analysis of eye-blink responses for automated estimation of task difficulty. The core module is a time-frequency representation of eye-blink, which aims to capture the richness of information reflected on blinking. In our first study, we show that this method significantly improves the sensitivity to task difficulty. We then demonstrate how to form a framework where the represented patterns are analyzed with multi-dimensional Long Short-Term Memory recurrent neural networks for their non-linear mapping onto difficulty-related parameters. This framework outperformed other methods that used hand-engineered features. This approach works with any built-in camera, without requiring specialized devices. We conclude by discussing how Rethinking Eye-blink can benefit real-world applications.

The hoax seems harmless enough. A few thousand AI researchers have claimed that computers can read and write literature. They've alleged that algorithms can unearth the secret formulas of fiction and film. That Bayesian software can map the plots of memoirs and comic books. That digital brains can pen primitive lyrics1 and short stories--wooden and weird, to be sure, yet evidence that computers are capable of more. But the hoax is not harmless. If it were possible to build a digital novelist or poetry analyst, then computers would be far more powerful than they are now. They would in fact be the most powerful beings in the history of Earth. Their power would be the power of literature, which although it seems now, in today's glittering silicon age, to be a rather unimpressive old thing, springs from the same neural root that enables human brains to create, to imagine, to dream up tomorrows.

Symbiotic Autonomous Systems (SAS) are advanced intelligent and cognitive systems exhibiting autonomous collective intelligence enabled by coherent symbiosis of human-machine interactions in hybrid societies. Basic research in the emerging field of SAS has triggered advanced general AI technologies functioning without human intervention or hybrid symbiotic systems synergizing humans and intelligent machines into coherent cognitive systems. This work presents a theoretical framework of SAS underpinned by the latest advances in intelligence, cognition, computer, and system sciences. SAS are characterized by the composition of autonomous and symbiotic systems that adopt bio-brain-social-inspired and heterogeneously synergized structures and autonomous behaviors. This paper explores their cognitive and mathematical foundations. The challenge to seamless human-machine interactions in a hybrid environment is addressed. SAS-based collective intelligence is explored in order to augment human capability by autonomous machine intelligence towards the next generation of general AI, autonomous computers, and trustworthy mission-critical intelligent systems. Emerging paradigms and engineering applications of SAS are elaborated via an autonomous knowledge learning system that symbiotically works between humans and cognitive robots.