Man and Machine: Questions of Risk, Trust and Accountability in Today's AI Technology

Artificial Intelligence began as a field probing some of the most fundamental questions of science - the nature of intelligence and the design of intelligent artifacts. But it has grown into a discipline that is deeply entwined with commerce and society. Today's AI technology, such as expert systems and intelligent assistants, pose some difficult questions of risk, trust and accountability. In this paper, we present these concerns, examining them in the context of historical developments that have shaped the nature and direction of AI research. We also suggest the exploration and further development of two paradigms, human intelligence-machine cooperation, and a sociological view of intelligence, which might help address some of these concerns.Comment: Preprin

The Leptonic Higgs and Dark Matter

This is a short review of the framework proposed in \cite{Goh:2009wg} which gives rise to indirect Dark Matter (DM) signals explaining the recent cosmic-ray anomalies and links cosmic-ray signals of DM to LHC signals of a leptonic Higgs sector.The states of the leptonic Higgs doublet are lighter than about 200 GeV, yielding large 2 tau and 4 tau event rates at the LHC. For the case of annihilations, cosmic photon and neutrino signals are constrained.Comment: Talk given at the SUSY09 conference in Boston, June 2009. 4 pages, 3 figures. To be published in the American Institute of Physics Conference Proceeding

Family and Store Choice - A Conceptual Framework

Retail Store choice has traditionally been studied from the perspective of an individual. The retail offering is however consumed more by the family than by an individual. This study questions the study of store choice by an individual and argues that the family is the relevant unit of analysis. The study draws on the extensive literature available on store choice and also on the family decision making for products and services. It identifies the key factors from the literature, which might be affecting the store choice of a family. On the basis of these factors, it proposes a conceptual framework for studying the retail store choice as a family decision.

International Approaches to Real Estate Development

Book ReviewInternational Approaches to Real Estate DevelopmentSquires, G. and Heurkens, E., 2015. International Approaches to Real Estate Development. Routledge, UK. ISBN (hbk): 978-0-415-82857-4, ISBN (pbk): 978-0-415-82858-1, Paperback: US$49.95, Hardback: US$165.00

Home Mortgage Risk: A Case for Insurance in India

Housing mortgage finance in India is constrained by the maximum loan-to-cost ratio and installment income ratio conditions imposed by housing finance companies. The typical reason for this behaviour is that the market for the sharing of risk in mortgage lending is not yet fully developed. Mortgage insurance plays an important role in developing this market. The objective of this paper is to present a case for mortgage insurance market in India. This paper develops a mortgage premium structure framework in which mortgage insurers charge an insurance premium that equates losses to revenue. This paper also models mortgage termination due to prepayment and defaults. We contend that the termination of mortgage in housing is not as `ruthless’ as OPM theory would suggest, primarily because households are not financiers in the `stricter sense’. We have used the Cox proportional hazard model to analyze prepayment and default of mortgage behaviour in India. The results indicate that financial concerns (like the option price, loan to value ratio, and monthly principal and interest to income ratio) are important determinants besides household characteristics. The cumulative prepayment or default probabilities from these models are used in the estimation of the insurance premium structure.Default, Home mortgages, India, insurance, mortgage prepayment, proportional hazard