Artificial intelligence offers limitless potential for the financial industry, but at Fortune's MPW International Summit on Tuesday Mastercard vice chairman Ann Cairns also called attention to some of its existential risks. Cairns had recently been in China, where she said it was clear to her that AI was taking off there in a big way--just as it has in Silicon Valley. The question, she says, is whether we will "perpetuate an East-West divide by having different philosophical views as we teach the computers how to think." This human element of AI is also why it's important to get more women into STEM, she said. Cairns, who became vice chairman of Mastercard (ma) earlier this month, noted that if we don't have a diverse group of people working on AI, "we're going to get computers that think like some bro culture on the West Coast."