Mahi Sall, Advisor, Fintech-Bank Partnerships, Payments and Financial Inclusivity
January 25th, 2023
Mahi Sall is the CEO & Founder of FinXpair, a Berlin-based strategic advisory boutique firm focu[...]
Technology, Legitimacy & Social Justice: Fighting “the propaganda of inevitability”
Jericho Chambers | by Margaret Heffernan | March 2019
Some years ago, I joined a conference hosted by one of Silicon Valley’s top venture capitalists. It was the kind of event I knew well, when all the CEOs funded by the VC gather together to compare notes on what they’re seeing in the market place and are provided with (or subjected to) some pearls of wisdom from those with more experience.
Once upon a time, I was one of those CEOs, now I was supposed to dispense wisdom about willful blindness. I don’t remember much about the conference beyond its opening which went something along these lines:
There is nothing wrong with medicine that getting rid of doctors won’t fix.
There is nothing wrong with education that getting rid of teachers won’t fix.
There’s nothing wrong with the legal system that getting rid of lawyers won’t fix.
… our host stopped just short of saying there was nothing wrong with democracy that getting rid of voters won’t fix….
I sat up and paid attention. This was not the tech sector as I’d known it. All those years back in what I’ve come to think of as Internet 1.0 we had been full of curiosity, wondering what new wonders we could invent with this new tech and how we might develop it to enable, empower and even liberate everyone.
“We were idealists, we were naïve”
We hadn’t gone into it to make money – there wasn’t any in the beginning. And we hadn’t gone into it for power – there wasn’t much of that either. We were idealists, we were naïve.
See: #FFCON19 talked about how to build trust in the 21st century
How things had changed. Now the full force of Big Tech was marshalling its overwhelming power against … teachers? Doctors? This was definitely different, a calculated attack on society as we know it.
Since the early days tech has become so much bigger, richer, more aggressive. It tricks kids into spending money, newly weds and parents into buying stuff they didn’t know they were buying, recruiting subjects for experiments no one knew they were part of, siphoning off data. Who knows what else can be laid against its door?
This is not the way to build trust. It is a way to build distrust. And nowhere is that deeper than in discussions about artificial intelligence.
But first, what do I mean by trust? According to Veronica Hope-Hailey’s rich research, it is a mix of 4 ingredients
Benevolence: you wish the best for me, for all of us
Competency: you know what you’re doing
Consistency: you don’t change your mind or lie
Integrity: you act the same way when nobody’s looking
But even in its early phase, these four qualities are notably absent in corporate experiments with AI. Instead, there are a whole bunch of problems that, thanks to diligent investigators, keep being brought to light.
No consent
Earlier this year, it was revealed that Pearson, a major AI-education vendor, inserted “social-psychological interventions” into one of its commercial learning software programs to test how 9,000 students would respond. They did this without the consent or knowledge of students, parents, or teachers.115
This doesn’t appear to be consistent with Pearson’s values nor does it exude integrity.
Bias
96 percent of the world’s code has been written by men. And there’s an army of scientists (if you need them) who have demonstrated that WHAT is made/ written is a reflection of those who make it. (In art, this is deemed a virtue.) So it means that we already start in a deeply troubled, profoundly unrepresentative place.
Using AI for hiring selection has been shown – by Amazon – to be ineradicably biased because, trained on historical data of overwhelmingly male employees, it selects…overwhelmingly male employees, and deselects women. After 2 years of trying to fix this, even Amazon has given up. But not all companies have. So when AI meets diversity policy, what you get is … at least NOT consistent.
See: Canada’s financial upstarts are lining up behind open banking, but bigger players may need convincing
Inadequate data sets
Deducing mood, psychological state, sexual orientation, intelligence, likelihood of paedophilia or terrorism through “analyzing” facial expression keeps being shown to be inaccurate, outdated, biased, and based on inaccurate datasets. This is not benevolence.
Training AI to seek “criminal face” using data consisting of prisoners’ faces is not representative of crime, but rather, represents which criminals have been caught, jailed, and photographed. A high percentage of criminals are never caught or punished, so the dataset cannot adequately represent crime itself. We are back in the land of phrenology…or worse.
We all know there are some scientific research programs best not pursued—and this might be one of them.
Illegality
Hiring AI used by fast food companies has been shown by Cathy O’Neill to screen out those with any hint of history of mental illness – a move specifically prohibited by the Americans with Disabilities Act. But attempts to investigate this so far have been stalled by claims that the AI is a trade secret and cannot be disclosed. One law for humans – another for machines. This isn’t integrity in action.
Socially deaf definitions of success
Attempts to use AI to allocate school places more fairly in Boston backfired completely when it turned out that nobody programming the AI had the faintest idea – let alone experience – of the way that poor families live, the timetables that working 3 jobs imposes on them and their children. Not only were results worse – they came wrapped in insult. This isn’t benevolent and it was, frankly, incompetent.
These are real cases. There are more. Each one might be nit-picked apart but the key issue is this:
AI oversteps a fundamental boundary between objective analysis and moral judgment.
When such moral judgments are made, people deserve a chance to understand and to validate or to contest them. Claims of trade secrecy specifically militate against this. Ethical issues are treated as legal and policy issues – a way of sidelining them that is completely synonymous with the way that hierarchies and bureaucracies facilitate, indeed drive, wilful blindness in organizations.
See: [Report] A New North Star: Canadian Competitiveness in an Intangibles Economy
AI simply amplifies both the risk and the lack of accountability to an unimaginable scale. You could say it delivers the status quo PLUS. So AI has the capacity to increase and sustain marginalization, corporate malfeasance and inequality.
All of the companies involved in developing it know this. That’s why there’s a whole roster of organizations all trying to figure out how to make AI the commercial goldrush it promises to be – while also hoping to silence fears that anything could possibly go wrong. But there are 2 difficulties with their approach:
- Almost all of these organizations are set up, run and incorporate very large institutional interests. These are not the critics of the status quo but its beneficiaries. They start from a position that is inherently unrepresentative
While these talking shops assuage nervous politicians, business as usual continues with a language of inevitability: AI is coming, AI is here, you have no choice but to stand back and take it. It’s too difficult for you bumpkins to understand – so just leave it to us. Or, to quote the CEO of Axon (the company that conveniently changed its name from Taser) speaking in defence of facial recognition cameras:
“It would be both naive and counterproductive to say law enforcement shouldn’t have these new technologies. They’re going to, and I think they’re going to need them. We can’t have police in the 2020s policing with technologies from the 1990s”[1]
“‘Sit down. Shut up. When I want something from you, I’ll ask’, is the tenor of so-called public consultation”
This is the language of propaganda: telling people that these new technologies are inevitable- when they aren’t – and that they’re unequivocally productive – when they aren’t – and therefore there is no need, no POINT in asking questions. ‘Sit down. Shut up. When I want something from you, I’ll ask’ is the tenor of so-called public consultation.
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ESG | Nov 28, 2023 The Monetary Authority of Singapore (MAS) has recently launched 'Project Greenprint' (Gprnt), an innovative digital platform to streamline the collection and access of Environmental, Social, and Governance (ESG) data View release This initiative, part of Project Greenprint, aims to simplify sustainability reporting and decision-making processes for both large corporations and small and medium enterprises (SMEs). Gprnt integrates four key utilities: a disclosure portal, a data registry, a solutions marketplace, and data orchestration capabilities, offering a comprehensive solution for ESG data management. See: ‘Lazy’ ESG Fund Managers Are Caught Swimming Naked as SVB Exposes Scheduled for a progressive rollout starting from Q1 2024, Gprnt promises to automate ESG reporting, providing timely insights and enhanced data access for the ESG community. Gprnt enables businesses to automatically convert economic data into sustainability-related information. This includes integrations with various digital systems like utilities, payroll solutions, and AIoT sensors. The platform will collect data through APIs and compute ESG-related outputs. It will also use AI tools for data extraction from documents and a GPT4-powered chatbot for crafting sustainability disclosures. Gprnt's data registry and marketplace functions, launching next year, will facilitate access to aggregated data and connect solution providers with investors ...
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