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Data-as-a-Service: A new frontier for credit decisioning

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THE fintech industry in the Philippines has been continuously growing because of advances in technology and improved internet penetration in the country. Studies indicate that internet users in the Philippines increased by 2.1 million between 2021 and 2022. With these developments, it is only fitting for businesses, particularly financial institutions, to adapt to newer models -- ones that utilize traditional and alternative data for a more accurate and inclusive risk assessment. This could lessen the reliance on traditional, rigid models and subjective evaluation by fallible managers and underwriters. Bharath Vellore, general manager, Asia Pacific, Provenir spoke to The Manila Times on how Data-as-a-Service cloud software could help the banking and finance industry gain deeper insights on credit risks so financial institutions could better serve the unbanked sector of society.


Growth of Artificial Intelligence as a Service Market Size Report Till 2026

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The Artificial Intelligence as a Service market research report provides a competitive edge to stakeholders by tracking the past and present industr


Design for Mediation Choreography Workshop Experience

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Mediation choreography workshop is a practice and training session to improve bodily confidence, comfort, awareness and dialogue during social interactions focused on the self-presentation development in children and youngsters. The workshop teaches non-verbal mediation and dialogue: Body postures, Expressions and Form aggregations inspired from the museum sculptures. During the workshop, mediation choreography experts help young participants to improvise and feel the quality of our bodily perception, performance and presentation. Disclaimer: The description of Mediation choreography is my understanding as a foreigner in the French city, Strasbourg. I participated in the workshop among native speakers.


QuantumTags: Three-Layer Authentication Through Self-Assembly Quantum-Dot Inkjet Printing for…

#artificialintelligence

Integrity and trust are at the heart of humanity and allow for peaceful nations, bonds and trust between multiple parties. However, when that integrity is played with, many become overprotective, people cannot enjoy the common object and once trustful systems are tampered with, connections between communities are disrupted. On a global scale, counterfeit goods are where this integrity is played with the most. Counterfeit pharmaceuticals cause the deaths of millions in developing nations2, counterfeit batteries pose risks to everyday items bursting at any moment and overall, these goods cost the global market over one trillion dollars. Current solutions can easily be reverse-engineered and as the counterfeit epidemic surges, the world needs a solution to make counterfeit goods impossible. The integration of nanotags and harnessing the randomness and uniqueness of quantum dots allow for unclonable tags on each product. These tags are verified by the end-user through a deep learning algorithm. The tags are unclonable by any quantum computer let alone any attacker, ensuring the security of millions of lives and billions of dollars. The global market of counterfeit goods is currently $1.8 trillion and this number is only increasing. During the COVID-19 pandemic, a greater urgency for counterfeiting occurred as the global demand for medical supplies continued to increase (2). Not only does counterfeiting cost the global economy trillions of dollars, but it also results in fake pharmaceutical pills, costing millions of lives (2). To add on, 500 identity frauds happen on a daily basis, showcasing how counterfeit goods are reaching an epidemic level (10). In 2015, 10% of all luxury goods in Europe were counterfeit, and the number continues to increase (10).


Citizen Sleeper's Creator Was Inspired by Our Modern Dystopia

WIRED

Citizen Sleeper is a superb narrative adventure indie game about surviving the urban sprawl of a struggling space station. Think The Expanse meets Cart Life. The game has proven to be the toast of narrative adventure gamers for weeks now, praised as a cerebral cyberpunk revelation and a tour de force of hope from the dark margins of galactic society, positioning it as a solid contender for awards season. A deceptively simple story inspired by TTRPG mechanics and narratives, the game tells the tale of a "sleeper," an emulated human intelligence in a synthetic body that has recently escaped the Essen-Arp corporation, its legal owner. Recovered half-frozen to the hull of a derelict by a salvager, you learn how to scrape out an existence on Erlin's Eye, the space station of a bankrupt intergalactic conglomerate that has been reclaimed by its old union, an authority now known as Havenage, while being pursued by their bounty hunters.


What, Exactly, Is the Metaverse Standards Forum Creating?

WIRED

What do Microsoft, Epic Games, Adobe, Nvidia, and Ikea all have in common? Despite there being no clear definition of what "the metaverse" even means, these companies and more are cooperating to make it interoperable. So what are they actually doing? If you've never heard of the Khronos Group, that's almost by design. The nonprofit and its 150-plus member companies manage and develop open standards that exist under a lot of technology you use today, like OpenGL, Vulkan, and a bunch of other tools that the videogames you play use in the background.


AI

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The purposeful exchange of information caused by the creation and perception of signals drawn from a shared system of conventional signs is known as communication. Most animals employ signals to convey vital messages: there's food here, there's a predator nearby, approach, recede, and let's mate. Communication can help agents succeed in a partially visible world because they can learn knowledge that others have observed or inferred. Humans are the most talkative of all species, thus computer agents will need to master the language if they are to be useful. Language models for communication are examined in this chapter.


Hands-On Chatbots and Conversational UI Development: Build chatbots and voice user interfaces with Chatfuel, Dialogflow, Microsoft Bot Framework, Twilio, and Alexa Skills: Janarthanam, Srini: 9781788294669: Amazon.com: Books

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Conversation as an interface is the best way for machines to interact with us using the universally accepted human tool that is language. Chatbots and voice user interfaces are two flavors of conversational UIs. Chatbots are real-time, data-driven answer engines that talk in natural language and are context-aware. Voice user interfaces are driven by voice and can understand and respond to users using speech. This book covers both types of conversational UIs by leveraging APIs from multiple platforms.


Can NuGenesis Artificial Intelligence Monitoring Systems Really Predict Crypto Prices? – CryptoMode

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The Nugenesis team is currently working on making the system available to its stakers and users. NuGenesis market analysis and prediction tools are expected to be live by mid-2024. Nugenesis will continue refining and developing its technology, with the eventual goal of providing live predictions and analysis for all major markets. NAVIS MAMS (market analytics and monitoring systems) has been in the machine learning stage for over 12 months, with the first successful pattern to predict crypto prices in as little as three months. Navis data points were changed to focus on social influence and market manipulation, as market data alone was deemed insufficient.


Synthetic data getting serious for biometrics training

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Synthetic data created by artificial intelligence systems, for AI systems is a growing market, as general adversarial networks (GANs) are used to train facial recognition and other biometric algorithms. The Washington Post profiles a company called Yuty, and the path it took to providing synthetic facial datasets, and reports that it is one of around 50 startups in the space. The Post notes that Gartner has forecast 60 percent of all AI training data will be synthetic by 2024. Amazon recently revealed that it relied heavily on synthetic data to train its palm biometrics. In a similar vein, OpenAI's DALL-E machine learning tool has updated a policy to allow its users to share synthetic facial images, after the tool's developers built in mechanisms to prevent its use in creating deepfakes, according to Vice.