Authorization
to OPERATE
Do your AI agents honor agreements signed on your behalf? How would you know if they did?
You benefit when decisions are made to approve your loan, your application, or your request.
When your requests are denied you may be harmed,
losing out on opportunities to buy goods or services you need.
Decisions can seem obvious, like buying an insurance policy or denying a claim.
Other decisions, hidden from the policy-holder include many small decisions before making a final determination.
You may be surprised to learn of companies in totally unrelated industries and markets which are deeply involved in making automated decisions about consumers.
Yo-AI looks for patterns characteristic of these "dark decisions":
- when questions and concerns are never responded to
- when access to resources are denied without explanation
- when automatic decision-making technologies are provided by external vendors and components as a service.
At the end of the day, YOU will need to make YOUR decision about what type of agreement is appropriate and what it contains. You'll need to consider risks and service guarantees. Yo-AI agents are designed to help you with that.
Question 4.17 is sourced from a Mandatory Risk Assessment of Automated Decision-Making Technologies I conducted manually
and verified with my Profile-Builder agent, that surveyed Accenture customers.
Accenture's response to Question 4.18 was verified by querying ActivityLogs I maintain of all my communication interchanges.
Yo-AI analyzes trends and identifies risk factors:
- Is personal, demographic information used to make these decisions, accurate?
- Is the automatic decision-making technology faulty?
- Is the organization is competent and knowledgable in applying the technology or interpreting its output?
- Is the organization, more than likely, violating laws intended to protect consumers?
Yo-AI works on your behalf to answer questions...like: "Why me?"
Risks to Consumers AND Organizations
When you don't have a choice
Employment Risk: When will I be replaced?
Financial Risk: What are my options if I'm denied?
Surveillance Risk: Why do I feel like somebody's watching me?
Healthcare Risk: Which monetary considerations are factored into my physical health risk profile?
Security & Safety Risk: Am I a victim, or wrongly accused of victimizing others?
REWARDS FOR CONSUMERS
When decisions pay dividends
Employment Reward: I can be better prepared to find other opportunities. I also might collect damages for wrongful termination.
Financial Reward: I might get a better price or better service if I'm approved. I also might be compensated if there was fraud or discrimination.
Surveillance Reward: Maybe these tools can identify a stalker. Perhaps I should wear a hidden body-cam to prove I didn't do anything wrong.
Healthcare Reward: Maybe my premium will be lower if I'm not at-risk. Perhaps there's a new unproven treatment for patients with my condition.
Security & Safety Reward: I might become a hero if my tools and methods save others from harm.
Will the reward be worth the risk?
Automated decisions may yield dividends whether they benefit you, or disadvantage you.
Loyalty programs that offer financial incentives like discounted prices, extra stuff, etc.
are promises -- not purchases.
Sometimes the incentive is merely an opportunity; that you have the chance to win a free trip or a jackpot of money.
No matter what the reward may be, conditions are usually attached.
- You may/or/may not be eligible
- You must enter to win
- Subject to certain limitations
- Expires before prizes are awarded
Yo-AI helps you manage financial incentive programs by calculating the return on your investment, which could be buying an item at full price to receive an additional item at no charge, or merely 'entering your information' like filling out a credit card application to get double the miles on a frequent flier program.
You benefit directly when the automated decisions organizations make result in a net gain for you;
You may also benefit directly when organizations violate consumer protections.
Yo-AI takes these factors into consideration when assessing new vendors and new 'opportunities'.
Yo-AI provides information to employees about impacts on consumers
and suggests improvements by proposing remedies to actual problems.
Yo-AI helps identify consumers who may become profitable customers,
productive employees, or satisfied investors.
Yo-AI helps organizations improve their compliance postures
-– in comparison with other organizations that suffer from "blind spots" and "gaps".
Yo-AI helps organizations reward consumers.
With consumer controls built into Yo-AI, organizations can monitor the
rewards to consumers
while enabling consumers to control their data and their exposure to bias, discrimination, and personal harm.