AI/ML often substitutes for less granular heuristics for predicting risk, such as the occupational class system used by insurance underwriters. (An example of which: https://www.standard.com/di/forms/di/cd/manual/UWPI/OccupationClassification.pdf … )
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Indeed. A lot of highly regulated industries are right to stick to heuristics / naive ML models whose decisions can be explained to regulators / clients.
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