The area of benefits could not miss the area of cybersecurity, an area of impact on modern life in terms of online fraud. Recent research by the Association of Certified Fraud Examiners (ACFE), KPMG, PwC, and others highlights how organized crime modernizes its attack vectors and their magnitude and speed. Sadly, this modernization in most cases involves the use of machine learning to commit frauds undetectable by legacy cyber protection systems (systems based on inefficient rules and predictive models. Thus, the detection of new generations of fraud online needs the same Machine learning mechanisms applied to fight with equal weapons against remain equal to the complexity and extent of fraud today.
• actively use supervised machine learning to train models so they can detect fraud attempts quicker than legacy systems;
• combine supervised and unsupervised machine learning into a single risk score (for fraud prevention) because anomalies are easier to detect in emerging data;
• take advantage of wide-ranging data networks of transactions to tweak and scale supervised machine learning algorithms, thus improving risk scores for fraud prevention.
We believe that the conclusions at the end of this short history of AI are multiple and we encourage you to find them for yourself and share them with us. We appreciate that perhaps the most important thing to recognize is that, whether it is welcome or feared, or whether it is considered to be truly competent and useful or not, AI makes its presence felt in more and more areas, with smaller or larger steps. Despite many current shortcomings, including the cumbersome generalization or the need for huge computing power, there are certain advantages, such as the increasing attention enjoyed by researching mathematical models, the existence of a large dataset for analysis, and the sympathy it receives among the public so that we are entitled to believe that AI will be a partner in our lives for a long time to come. It depends only on our choices that this partner will be a guarantor of improving the quality of life and not a threat.