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      "body": "![](https://steemitimages.com/DQmQY8esHLaGDCRzKnCyEA6zkZ4eD2ymZCATkpnTmth9u2f/image.png)\n\n**Artificial intelligence will be the main way that banks interact with their customers within the next three years, a report from consultancy Accenture has suggested.**\n\nBanks such as Royal Bank of Scotland (RBS) are increasingly using chatbots to answer customer queries.\nThe report examined the views of 600 bankers and other experts.\n\nMany, perhaps ironically, felt that AI would help banks create a more human-like customer experience.\n\n\"The big paradox here is that people think technology will lead to banking becoming more and more automated and less and less personalised, but what we've seen coming through here is the view that technology will actually help banking become a lot more personalised,\" said Alan McIntyre, head of the Accenture's banking practice and co-author of the report, Banking Technology Vision 2017.\n\n\"(It) will give people the impression that the bank knows them a lot better, and in many ways it will take banking back to the feeling that people had when there were more human interactions.\"\nA similar report conducted by Accenture, looking at consumer attitudes to banking, suggests that customers too are willing to embrace AI.\n\n\"With things like Netflix, customers are used to smart AI offering advice in the background and we found consumers are surprisingly willing to accept robotic advice about banking products,\" Mr McIntyre told the BBC.\n\nIn future he envisages banking will be made much simpler - with people able to conduct transactions on social media platforms such as Facebook Messenger and WhatsApp\n\n![](https://steemitimages.com/DQmP7RBDGpahYXJ7CutiSGi52jH481wrabnq2PAipTMyYCf/image.png)\n\n \n**Dialogue**\n\nAccenture is currently working with a number of UK banks to allow customers to interact with their banks - get balance information and transfer money - via Amazon's smart home speaker Alexa.\n\nHe also imagines how banks could use systems such as Alexa to transcribe conversations with customers to cut down on \"form-filling\".\n\n\"Rather than sit down and log on to a website, people want to interact naturally,\" said Mr McIntyre.\n\nThe vast majority of customers, according to Accenture, want both easy digital interactions and the ability to speak to a human.\n\n\"People want a dialogue and as AI is more and more able to replicate that, so it doesn't feel like speaking to a machine,\" he said.\n\nRBS and NatWest began testing an AI customer service chatbot, dubbed Assist, in December and in Sweden, Swedbank's Nina web assistant now has an average of 30,000 conversations per month and can handle more than 350 different customer questions.",
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      "body": "![](https://steemitimages.com/DQmdfg5wgYg71Vp6SohWExNuxF766YMpG8hXsp4uzzhi85r/image.png)\n\n**One of Microsoft's artificial intelligence systems has conquered the 1980s video game Ms. Pac-Man.**\nThe team, from Microsoft-owned Canadian AI firm Maluuba, achieved the perfect score of 999,990.\n\nThe software giant said that the method deployed in the game could also be used for teaching AI agents to perform complex tasks to help humans.\n\nHowever, **Prof Nello Cristianini,** a computer scientist from University of Bristol, sounded a note of caution.\n\n\"It is exciting that so much progress is happening today in AI, however we should remember that historically AI has not always been able to replicate results in games when transferring methods to real world problems. This should be kept in mind whether we talk about Jeopardy, Chess, Go or Ms. Pac-Man.\"\n\nGoogle's DeepMind AI, which has beaten the complex game of Go, is widely seen as leading the pack on AI research.\n\n**'Senior manager'**\n\nDoina Precup, an associate professor of computer science at McGill University in Montreal, said Microsoft's win was a significant achievement.\n\n\"Lots of firms experimenting with AI test their system using video games, but Ms. Pac-Man has been among the most difficult to crack,\" she said.\n\nIn a blogpost, Microsoft explained that the team used an AI technique known as reinforcement learning to master the Atari 2600 version of the game. To achieve the high score, the team divided the problem into small pieces which were distributed among AI agents.\n\nThe system used more than 150 agents, each of which worked in parallel with other agents to master the game. Some were rewarded for successfully finding one specific pellet, while others were tasked with staying out of the way of ghosts.\nThen the researchers created a \"senior manager\" agent which took suggestions from all the others and used them to decide where to move Ms. Pac-Man.\n\n![](https://steemitimages.com/DQmf1QQNeCkg3C5oWar62FLgGb3qEmjEAiedUFWbU3FXWU5/image.png)\n\n**Its decision-making was complex so, for example, if 100 agents wanted to go right because that was the best path to their pellet, but three wanted to go left because there was a deadly ghost on the right, it would give more weight to the ones who had noticed the ghost.**\n\nHarm Van Seijen, a research manager with Maluuba, said the best results were achieved when each agent acted very egotistically while the top agent took into account the best move for everyone.\n\n\"There's this nice interplay between how they have to, on the one hand, co-operate based on the preferences of all the agents, but at the same time each agent cares only about one particular problem,\" he said.\n\nHe has published a paper about the technique - known as Hybrid Reward Architecture - which has yet to be peer-reviewed.\n\n**'Ka-ching'**\n\nSome might question why a cutting-edge technology such as AI is training itself on games designed in the 1980s.\nRahul Mehrotra, a program manager at Maluuba, explained that it is because such games are very complex and said: \"A lot of companies working on AI use games to build intelligent algorithms because there's a lot of human-like intelligence capabilities that you need to beat the games.\"\n\nSteve Golson, one of the co-creators of the arcade version of the game, said in the blog that Ms. Pac-Man had been designed to be simple to play but nearly impossible to conquer, in order for people to put more money in the machines.\n\n\"You want [them to think] 'Oh, oh, I almost got it! I'm going to try again'. Ka-ching! Another quarter.\"\n\nThe reinforcement learning technique used by the team is increasingly being favoured by AI researchers. The other main method of teaching AI is via supervised learning, in which systems get better at doing something as they are fed more examples of good behaviour.",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://www.yahoo.com/news/why-great-white-shark-jumped-150500393.html",
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      "title": "Why a Great White Shark Jumped into Man's Boat!!",
      "body": "![](https://steemitimages.com/DQmQUAqo4gVPmsNU4xU3u4JbPN1RxMZjEuBMUzaCXZmDGFq/image.png)\n\nAn Australian man got the surprise of a lifetime when a 9-foot (2.7 meters) great white shark weighing 440 lbs. (200 kilograms) jumped into his boat.\n\nTerry Selwood, 73, was fishing off the north coast of New South Wales, Australia, on Saturday (May 27) when he suddenly found himself face to face with the ocean predator.\n\n\"There I was on all fours, and he's looking at me and I'm looking at him, and then he started to do the dance around and shake, and I couldn't get out quick enough onto the gunnel [or gunwale],\" Selwood told ABC news, referring to the upper edge of the side of the boat.\n\nThe shark thrashed violently in a boat only 4.5 feet wide (1.4 m) and 14 feet (4.3 m) long. Selwood was able to grab the radio and call for help. A local marine rescue unit at Evans Head came to pick him up and later towed his boat back to port. [See Photos of Great White Sharks Breaching the Water's Surface]\n\nBesides a minor cut on his arm, Selwood was unharmed. But why would the shark jump into his boat?\n\n![](https://steemitimages.com/DQmUrGp9sSCfWTJhQiG7DR18725BHZ654LxzNzFRGdrjwWj/image.png)\n\nSelwood claimed he had no bait or lures close to the surface to tempt the shark to launch some 4 feet (1.2 m) out of the water and into his boat.\n\nThere are just three reasons a great white would ever jump into a boat, said George Burgess, director of shark research at the Florida Museum of Natural History.\n\n\"It's either caught by the angler, it follows a hooked fish to the surface and its momentum has it jump out of the water onto the boat, or a 9-foot shark in the ocean at random jumps up and lands in the boat,\" Burgess told Live Science. \"The first two instances are much more likely than the last.\"\n\nDespite what you may have seen on Discovery Channel's \"Shark Week,\" great whites are not well-known for their jumping abilities, Burgess said. Mako and thresher sharks are more given to leaps from the water than great whites, he said.\n\nA shark jumping into a boat without first being drawn somehow to the boat would be extremely rare, Burgess said.\n\nIn most documented cases of sharks landing in boats, the people involved were either fishers or biologists. In a 2013 case, a mako shark jumped into the back of a fishing boat off the coast of New Jersey, according to USA Today. In 2011, a great white shark leapt into the back of a South African research vessel, News Corp Australia reported.\n\n\"Sharks are unpredictable animals, but they don't just jump into boats for no reason,\" Burgess explained.\n\nA great white shark breaks the water's surface only while hunting for food, Burgess said. At those times, the animal swims beneath prey and may look up and recognize the silhouette of an animal like a seal or porpoise. The shark then swims at great speed straight up, and the tremendous momentum generated launches the predator up from the waves, Burgess said. Great white sharks can swim at speeds of up to 25 mph (40 km/h), according to ReefQuest Center for Shark Research.\n\nThe silhouette made by a 14-foot boat would automatically send a signal to any shark that this potential meal is far above its weight class, Burgess said. A smaller boat, however, could attract a shark mistaking the vessel for prey, he noted.\n\nIf your boat just happened to be passing a shark at the exact moment it was striking at its prey, the animal could land in your boat without any lure or provocation from you, Burgess said. But the odds of that happening are incredibly long, he said.\n\n\"We're missing a lot of information. I'd certainly need that information\" about the Selwood case, Burgess said. \"My inference, and it's purely inference, is that one should look at the story more closely.\"",
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