Artificial intelligence -- Who is responsible for the outcomes?

Actually, most people have very little knowledge of how artificial intelligence works, or for that matter, how broadly it is used in everything from daily financial transactions to determining your credit score. Take the stock market, for example. Only a tiny amount of trading on Wall Street is carried out by human beings. The overwhelming majority of trading is algorithmic in nature. It's preprogrammed so that if the price of soybeans or oil goes down, all kinds of additional steps will take place.