When it comes to fraud detection, what a lot of people call AI is not really AI. Fraud systems that make algorithmic decisions, albeit complex, are not truly based in AI. Because the terminology is popular, many use the term for marketing purposes, with no real basis in the technology itself. AI is getting computers to act or do "smart" things that they are not explicitly programmed to do. In short, as John McCarthy – the scientist who coined the phrase "artificial intelligence" – said, AI is "making a machine behave in ways that would be called intelligent if a human were so behaving."