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Optimized Financial Planning: Integrating Individual and Cooperative Budgeting Models with LLM Recommendations 优化财务规划:将个人和合作预算编制模型与 LLM 建议相结合
AI
Pub Date : 2023-12-25 DOI: 10.3390/ai5010006
I. de Zarzà, J. de Curtò, Gemma Roig, C. T. Calafate
In today’s complex economic environment, individuals and households alike grapple with the challenge of financial planning. This paper introduces novel methodologies for both individual and cooperative (household) financial budgeting. We firstly propose an optimization framework for individual budget allocation, aiming to maximize savings by efficiently distributing monthly income among various expense categories. We then extend this model to households, wherein the complexity of handling multiple incomes and shared expenses is addressed. The cooperative model prioritizes not only maximized savings but also the preferences and needs of each member, fostering a harmonious financial environment, whether they are short-term needs or long-term aspirations. A notable innovation in our approach is the integration of recommendations from a large language model (LLM). Given its vast training data and potent inferential capabilities, the LLM provides initial feasible solutions to our optimization problems, acting as a guiding beacon for individuals and households unfamiliar with the nuances of financial planning. Our preliminary results indicate that the LLM-recommended solutions result in budget plans that are both economically sound, meaning that they are consistent with established financial management principles and promote fiscal resilience and stability, and aligned with the financial goals and preferences of the concerned parties. This integration of AI-driven recommendations with econometric models, as an instantiation of an extended coevolutionary (EC) theory, paves the way for a new era in financial planning, making it more accessible and effective for a wider audience, as we propose an example of a new theory in economics where human behavior can be greatly influenced by AI agents.
在当今复杂的经济环境中,个人和家庭都在努力应对财务规划的挑战。本文介绍了个人和合作(家庭)财务预算的新方法。我们首先提出了一个个人预算分配的优化框架,旨在通过在不同支出类别之间有效分配每月收入来最大限度地节省开支。然后,我们将这一模型扩展到家庭,从而解决了处理多种收入和共同支出的复杂性问题。合作模式不仅优先考虑最大化储蓄,还考虑每个成员的偏好和需求,无论是短期需求还是长期愿望,都能营造和谐的财务环境。我们的方法中一个值得注意的创新是整合了大型语言模型(LLM)的建议。鉴于其庞大的训练数据和强大的推理能力,LLM 为我们的优化问题提供了初步可行的解决方案,为不熟悉财务规划细微差别的个人和家庭起到了指路明灯的作用。我们的初步结果表明,LLM 推荐的解决方案所产生的预算计划既经济合理,即符合既定的财务管理原则,促进了财政的弹性和稳定性,又符合相关各方的财务目标和偏好。这种将人工智能驱动的建议与计量经济学模型相结合的做法,作为扩展的共同进化(EC)理论的一个实例,为财务规划的新时代铺平了道路,让更多的人更容易理解和使用财务规划,因为我们提出了一个经济学新理论的例子,在这个例子中,人类行为可以受到人工智能代理的极大影响。
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引用次数: 0
Application of YOLOv8 and Detectron2 for Bullet Hole Detection and Score Calculation from Shooting Cards 应用 YOLOv8 和 Detectron2 检测射击卡上的弹孔并计算得分
AI
Pub Date : 2023-12-22 DOI: 10.3390/ai5010005
Marya Butt, Nick Glas, Jaimy Monsuur, Ruben Stoop, Ander de Keijzer
Scoring targets in shooting sports is a crucial and time-consuming task that relies on manually counting bullet holes. This paper introduces an automatic score detection model using object detection techniques. The study contributes to the field of computer vision by comparing the performance of seven models (belonging to two different architectural setups) and by making the dataset publicly available. Another value-added aspect is the inclusion of three variants of the object detection model, YOLOv8, recently released in 2023 (at the time of writing). Five of the used models are single-shot detectors, while two belong to the two-shot detectors category. The dataset was manually captured from the shooting range and expanded by generating more versatile data using Python code. Before the dataset was trained to develop models, it was resized (640 × 640) and augmented using Roboflow API. The trained models were then assessed on the test dataset, and their performance was compared using matrices like mAP50, mAP50-90, precision, and recall. The results showed that YOLOv8 models can detect multiple objects with good confidence scores. Among these models, YOLOv8m performed the best, with the highest mAP50 value of 96.7%, followed by the performance of YOLOv8s with the mAP50 value of 96.5%. It is suggested that if the system is to be implemented in a real-time environment, YOLOv8s is a better choice since it took significantly less inference time (2.3 ms) than YOLOv8m (5.7 ms) and yet generated a competitive mAP50 of 96.5%.
射击运动中的目标计分是一项关键且耗时的任务,需要依靠人工计算弹孔。本文介绍了一种使用物体检测技术的自动得分检测模型。这项研究通过比较七个模型(属于两种不同的架构设置)的性能以及公开数据集,为计算机视觉领域做出了贡献。另一个增值之处是,研究中包含了最近于 2023 年(撰写本文时)发布的物体检测模型 YOLOv8 的三个变体。所使用的模型中有五个是单发探测器,两个属于双发探测器。数据集是从射击场手动获取的,并通过使用 Python 代码生成更多通用数据进行扩展。在训练数据集以开发模型之前,使用 Roboflow API 调整了数据集的大小(640 × 640)并对其进行了扩充。然后在测试数据集上对训练好的模型进行评估,并使用 mAP50、mAP50-90、精确度和召回率等矩阵对它们的性能进行比较。结果表明,YOLOv8 模型能以良好的置信度检测到多个对象。在这些模型中,YOLOv8m 的表现最好,mAP50 值最高,达到 96.7%,其次是 YOLOv8s,mAP50 值为 96.5%。我们建议,如果系统要在实时环境中实施,YOLOv8s 是一个更好的选择,因为它的推理时间(2.3 毫秒)比 YOLOv8m(5.7 毫秒)少得多,而 mAP50 值却高达 96.5%。
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引用次数: 0
Data Science in Finance: Challenges and Opportunities 金融领域的数据科学:挑战与机遇
AI
Pub Date : 2023-12-22 DOI: 10.3390/ai5010004
Xianrong Zheng, Elizabeth Gildea, Sheng Chai, Tongxiao Zhang, Shuxi Wang
Data science has become increasingly popular due to emerging technologies, including generative AI, big data, deep learning, etc. It can provide insights from data that are hard to determine from a human perspective. Data science in finance helps to provide more personal and safer experiences for customers and develop cutting-edge solutions for a company. This paper surveys the challenges and opportunities in applying data science to finance. It provides a state-of-the-art review of financial technologies, algorithmic trading, and fraud detection. Also, the paper identifies two research topics. One is how to use generative AI in algorithmic trading. The other is how to apply it to fraud detection. Last but not least, the paper discusses the challenges posed by generative AI, such as the ethical considerations, potential biases, and data security.
由于包括生成式人工智能、大数据、深度学习等在内的新兴技术的出现,数据科学变得越来越流行。它可以从数据中提供从人类角度难以确定的见解。金融领域的数据科学有助于为客户提供更个性化、更安全的体验,并为公司开发最前沿的解决方案。本文探讨了将数据科学应用于金融业所面临的挑战和机遇。它对金融技术、算法交易和欺诈检测进行了最新回顾。此外,本文还确定了两个研究课题。一个是如何在算法交易中使用生成式人工智能。另一个是如何将其应用于欺诈检测。最后,本文还讨论了生成式人工智能带来的挑战,如伦理考虑、潜在偏见和数据安全。
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引用次数: 0
AI Advancements: Comparison of Innovative Techniques 人工智能的进步:创新技术比较
AI
Pub Date : 2023-12-20 DOI: 10.3390/ai5010003
Hamed Taherdoost, Mitra Madanchian
In recent years, artificial intelligence (AI) has seen remarkable advancements, stretching the limits of what is possible and opening up new frontiers. This comparative review investigates the evolving landscape of AI advancements, providing a thorough exploration of innovative techniques that have shaped the field. Beginning with the fundamentals of AI, including traditional machine learning and the transition to data-driven approaches, the narrative progresses through core AI techniques such as reinforcement learning, generative adversarial networks, transfer learning, and neuroevolution. The significance of explainable AI (XAI) is emphasized in this review, which also explores the intersection of quantum computing and AI. The review delves into the potential transformative effects of quantum technologies on AI advancements and highlights the challenges associated with their integration. Ethical considerations in AI, including discussions on bias, fairness, transparency, and regulatory frameworks, are also addressed. This review aims to contribute to a deeper understanding of the rapidly evolving field of AI. Reinforcement learning, generative adversarial networks, and transfer learning lead AI research, with a growing emphasis on transparency. Neuroevolution and quantum AI, though less studied, show potential for future developments.
近年来,人工智能(AI)取得了令人瞩目的进步,拓展了可能的极限,开辟了新的领域。这本比较性综述调查了人工智能进步的演变情况,对塑造了这一领域的创新技术进行了深入探讨。文章从人工智能的基本原理(包括传统机器学习和向数据驱动方法的过渡)入手,介绍了强化学习、生成对抗网络、迁移学习和神经进化等人工智能核心技术。本综述强调了可解释人工智能(XAI)的意义,同时还探讨了量子计算与人工智能的交叉。综述深入探讨了量子技术对人工智能进步的潜在变革性影响,并强调了与它们的整合相关的挑战。此外,还探讨了人工智能中的伦理问题,包括对偏见、公平性、透明度和监管框架的讨论。这篇综述旨在加深对快速发展的人工智能领域的理解。强化学习、生成式对抗网络和迁移学习引领着人工智能研究,并日益强调透明度。神经进化和量子人工智能虽然研究较少,但显示出未来发展的潜力。
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引用次数: 0
A Time Series Approach to Smart City Transformation: The Problem of Air Pollution in Brescia 智能城市转型的时间序列方法:布雷西亚的空气污染问题
AI
Pub Date : 2023-12-20 DOI: 10.3390/ai5010002
Elena Pagano, Enrico Barbierato
Air pollution is a paramount issue, influenced by a combination of natural and anthropogenic sources, various diffusion modes, and profound repercussions for the environment and human health. Herein, the power of time series data becomes evident, as it proves indispensable for capturing pollutant concentrations over time. These data unveil critical insights, including trends, seasonal and cyclical patterns, and the crucial property of stationarity. Brescia, a town located in Northern Italy, faces the pressing challenge of air pollution. To enhance its status as a smart city and address this concern effectively, statistical methods employed in time series analysis play a pivotal role. This article is dedicated to examining how ARIMA and LSTM models can empower Brescia as a smart city by fitting and forecasting specific pollution forms. These models have established themselves as effective tools for predicting future pollution levels. Notably, the intricate nature of the phenomena becomes apparent through the high variability of particulate matter. Even during extraordinary events like the COVID-19 lockdown, where substantial reductions in emissions were observed, the analysis revealed that this reduction did not proportionally decrease PM2.5 and PM10 concentrations. This underscores the complex nature of the issue and the need for advanced data-driven solutions to make Brescia a truly smart city.
空气污染是一个至关重要的问题,它受到自然和人为污染源、各种扩散模式的共同影响,并对环境和人类健康产生深远影响。在这方面,时间序列数据的威力显而易见,因为它被证明是捕捉污染物浓度随时间变化的不可或缺的工具。这些数据揭示了一些重要的观点,包括趋势、季节性和周期性模式,以及静止性这一关键属性。布雷西亚位于意大利北部,面临着空气污染的严峻挑战。为了提高其作为智能城市的地位并有效解决这一问题,时间序列分析中采用的统计方法发挥了关键作用。本文致力于研究 ARIMA 和 LSTM 模型如何通过拟合和预测特定的污染形式来增强布雷西亚作为智能城市的能力。这些模型已成为预测未来污染水平的有效工具。值得注意的是,颗粒物的高变异性使这一现象的复杂性变得显而易见。即使在 COVID-19 封锁这样的特殊事件中,也能观察到排放量的大幅减少,但分析表明,这种减少并没有成比例地降低 PM2.5 和 PM10 的浓度。这凸显了问题的复杂性,以及需要先进的数据驱动解决方案来使布雷西亚成为真正的智能城市。
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引用次数: 0
A Time Window Analysis for Time-Critical Decision Systems with Applications on Sports Climbing 时间关键型决策系统的时间窗分析及其在体育攀登中的应用
AI
Pub Date : 2023-12-19 DOI: 10.3390/ai5010001
Heiko Oppel, Michael Munz
Human monitoring systems are already utilized in various fields like assisted living, healthcare or sport and fitness. They are able to support in everyday life or act as a pre-warning system. We developed a system to monitor the ascent of a sport climber. It is integrated in a belay device. This paper presents the first time series analysis regarding the fall of a climber utilizing such a system. A Convolutional Neural Network handles the feature engineering part of the sensor information as well as the classification of the task at hand. In this way, the time is implicitly considered by the network. An analysis regarding the size of the time window was carried out with a focus on exploring the respective results. The neural network models were then tested against an already-existing principle based on a mechanical mechanism. We show that the size of the time window is a decisive factor in a time critical system. Depending on the size of the window, the mechanical principle was able to outperform the neural network. Nevertheless, most of our models outperformed the basic principle and returned promising results in predicting the fall of a climber within up to 91.8 ms.
人体监测系统已被用于辅助生活、医疗保健或运动健身等多个领域。它们能够在日常生活中提供支持,或充当预警系统。我们开发了一套系统,用于监控登山运动者的上升情况。该系统集成在一个系带装置中。本文首次利用这种系统对登山者的坠落情况进行了时间序列分析。卷积神经网络处理传感器信息的特征工程部分以及手头任务的分类。通过这种方式,网络可以隐含地考虑时间因素。我们对时间窗口的大小进行了分析,重点是探索各自的结果。然后,根据基于机械机制的已有原理对神经网络模型进行了测试。我们发现,时间窗口的大小在时间临界系统中是一个决定性因素。根据窗口大小的不同,机械原理的性能要优于神经网络。尽管如此,我们的大多数模型都优于基本原理,并在预测攀爬者在 91.8 毫秒内坠落方面取得了可喜的成果。
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引用次数: 0
Adapting the Parameters of RBF Networks Using Grammatical Evolution 利用语法进化调整 RBF 网络参数
AI
Pub Date : 2023-12-11 DOI: 10.3390/ai4040054
I. Tsoulos, Alexandros T. Tzallas, E. Karvounis
Radial basis function networks are widely used in a multitude of applications in various scientific areas in both classification and data fitting problems. These networks deal with the above problems by adjusting their parameters through various optimization techniques. However, an important issue to address is the need to locate a satisfactory interval for the parameters of a network before adjusting these parameters. This paper proposes a two-stage method. In the first stage, via the incorporation of grammatical evolution, rules are generated to create the optimal value interval of the network parameters. During the second stage of the technique, the mentioned parameters are fine-tuned with a genetic algorithm. The current work was tested on a number of datasets from the recent literature and found to reduce the classification or data fitting error by over 40% on most datasets. In addition, the proposed method appears in the experiments to be robust, as the fluctuation of the number of network parameters does not significantly affect its performance.
径向基函数网络广泛应用于各种科学领域的分类和数据拟合问题。这些网络通过各种优化技术调整参数来解决上述问题。然而,需要解决的一个重要问题是,在调整网络参数之前,需要找到一个令人满意的参数区间。本文提出了一种分两个阶段的方法。在第一阶段,通过语法进化,生成规则以创建网络参数的最佳值区间。在该技术的第二阶段,利用遗传算法对上述参数进行微调。目前的工作在最近文献中的一些数据集上进行了测试,发现在大多数数据集上,分类或数据拟合误差减少了 40% 以上。此外,在实验中发现,所提出的方法具有鲁棒性,因为网络参数数量的波动不会对其性能产生显著影响。
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引用次数: 0
AI and Regulations 人工智能与法规
AI
Pub Date : 2023-11-29 DOI: 10.3390/ai4040052
Paul Dumouchel
This essay argues that the popular misrepresentation of the nature of AI has important consequences concerning how we view the need for regulations. Considering AI as something that exists in itself, rather than as a set of cognitive technologies whose characteristics—physical, cognitive, and systemic—are quite different from ours (and that, at times, differ widely among the technologies) leads to inefficient approaches to regulation. This paper aims at helping the practitioners of responsible AI to address the way in which the technical aspects of the tools they are developing and promoting directly have important social and political consequences.
本文认为,大众对人工智能本质的误解会对我们如何看待监管的必要性产生重要影响。将人工智能视为一种自身存在的事物,而非一系列认知技术,其物理、认知和系统特性与我们的认知技术大相径庭(有时,不同技术之间也大相径庭),会导致监管方法效率低下。本文旨在帮助负责任的人工智能从业者解决他们正在开发和推广的工具的技术方面如何直接产生重要的社会和政治后果的问题。
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引用次数: 0
Chat GPT in Diagnostic Human Pathology: Will It Be Useful to Pathologists? A Preliminary Review with ‘Query Session’ and Future Perspectives 人体病理学诊断中的 GPT 聊天:它对病理学家有用吗?初步回顾与 "查询会话 "及未来展望
AI
Pub Date : 2023-11-22 DOI: 10.3390/ai4040051
Gerardo Cazzato, Marialessandra Capuzzolo, Paola Parente, F. Arezzo, Vera Loizzi, Enrica Macorano, Andrea Marzullo, Gennaro Cormio, G. Ingravallo
The advent of Artificial Intelligence (AI) has in just a few years supplied multiple areas of knowledge, including in the medical and scientific fields. An increasing number of AI-based applications have been developed, among which conversational AI has emerged. Regarding the latter, ChatGPT has risen to the headlines, scientific and otherwise, for its distinct propensity to simulate a ‘real’ discussion with its interlocutor, based on appropriate prompts. Although several clinical studies using ChatGPT have already been published in the literature, very little has yet been written about its potential application in human pathology. We conduct a systematic review following the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines, using PubMed, Scopus and the Web of Science (WoS) as databases, with the following keywords: ChatGPT OR Chat GPT, in combination with each of the following: pathology, diagnostic pathology, anatomic pathology, before 31 July 2023. A total of 103 records were initially identified in the literature search, of which 19 were duplicates. After screening for eligibility and inclusion criteria, only five publications were ultimately included. The majority of publications were original articles (n = 2), followed by a case report (n = 1), letter to the editor (n = 1) and review (n = 1). Furthermore, we performed a ‘query session’ with ChatGPT regarding pathologies such as pigmented skin lesions, malignant melanoma and variants, Gleason’s score of prostate adenocarcinoma, differential diagnosis between germ cell tumors and high grade serous carcinoma of the ovary, pleural mesothelioma and pediatric diffuse midline glioma. Although the premises are exciting and ChatGPT is able to co-advise the pathologist in providing large amounts of scientific data for use in routine microscopic diagnostic practice, there are many limitations (such as data of training, amount of data available, ‘hallucination’ phenomena) that need to be addressed and resolved, with the caveat that an AI-driven system should always provide support and never a decision-making motive during the histopathological diagnostic process.
人工智能(AI)的出现在短短几年内就提供了多个知识领域,包括医疗和科学领域。越来越多基于人工智能的应用被开发出来,其中就包括对话式人工智能。关于后者,ChatGPT 已经成为科学界和其他领域的头条新闻,因为它能根据适当的提示模拟与对话者的 "真实 "讨论。虽然文献中已经发表了几项使用 ChatGPT 的临床研究,但关于其在人类病理学中的潜在应用却鲜有报道。我们按照系统综述和元分析首选报告项目(PRISMA)指南,使用 PubMed、Scopus 和 Web of Science (WoS) 作为数据库,以下列关键词进行了系统综述:ChatGPT OR Chat GPT,结合以下各项:病理学、诊断病理学、解剖病理学,截止日期为 2023 年 7 月 31 日。文献检索初步共发现 103 条记录,其中 19 条重复。经过资格审查和纳入标准筛选,最终只纳入了 5 篇出版物。大部分出版物为原创文章(2 篇),其次是病例报告(1 篇)、致编辑的信(1 篇)和综述(1 篇)。此外,我们还与 ChatGPT 就色素性皮肤病变、恶性黑色素瘤及其变种、前列腺癌的格里森评分、生殖细胞瘤与卵巢高级别浆液性癌的鉴别诊断、胸膜间皮瘤和小儿弥漫性中线胶质瘤等病理进行了 "问答"。尽管这些前提条件令人振奋,而且 ChatGPT 能够与病理学家共同提供大量科学数据,用于常规显微诊断实践,但仍有许多局限性(如训练数据、可用数据量、"幻觉 "现象)需要处理和解决,需要注意的是,在组织病理学诊断过程中,人工智能驱动的系统应始终提供支持,而绝不是决策动机。
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引用次数: 0
Enhancing Tuta absoluta Detection on Tomato Plants: Ensemble Techniques and Deep Learning 增强番茄植株上 Tuta absoluta 的检测:集合技术和深度学习
AI
Pub Date : 2023-11-20 DOI: 10.3390/ai4040050
Nikolaos Giakoumoglou, E. Pechlivani, Nikolaos Frangakis, Dimitrios Tzovaras
Early detection and efficient management practices to control Tuta absoluta (Meyrick) infestation is crucial for safeguarding tomato production yield and minimizing economic losses. This study investigates the detection of T. absoluta infestation on tomato plants using object detection models combined with ensemble techniques. Additionally, this study highlights the importance of utilizing a dataset captured in real settings in open-field and greenhouse environments to address the complexity of real-life challenges in object detection of plant health scenarios. The effectiveness of deep-learning-based models, including Faster R-CNN and RetinaNet, was evaluated in terms of detecting T. absoluta damage. The initial model evaluations revealed diminishing performance levels across various model configurations, including different backbones and heads. To enhance detection predictions and improve mean Average Precision (mAP) scores, ensemble techniques were applied such as Non-Maximum Suppression (NMS), Soft Non-Maximum Suppression (Soft NMS), Non-Maximum Weighted (NMW), and Weighted Boxes Fusion (WBF). The outcomes shown that the WBF technique significantly improved the mAP scores, resulting in a 20% improvement from 0.58 (max mAP from individual models) to 0.70. The results of this study contribute to the field of agricultural pest detection by emphasizing the potential of deep learning and ensemble techniques in improving the accuracy and reliability of object detection models.
及早发现并采取有效的管理措施控制 Tuta absoluta (Meyrick) 侵害对保障番茄产量和减少经济损失至关重要。本研究采用对象检测模型与集合技术相结合,对番茄植株上的 T. absoluta 侵害进行了检测。此外,本研究还强调了利用在露天田地和温室环境中采集的真实数据集来解决植物健康场景中物体检测所面临的复杂现实挑战的重要性。评估了基于深度学习的模型(包括 Faster R-CNN 和 RetinaNet)在检测 T. absoluta 损害方面的有效性。最初的模型评估显示,在不同的模型配置(包括不同的骨干和头部)下,性能水平都在下降。为了增强检测预测并提高平均精度(mAP)分数,应用了集合技术,如非最大值抑制(NMS)、软性非最大值抑制(Soft NMS)、非最大值加权(NMW)和加权盒融合(WBF)。结果显示,WBF 技术显著提高了 mAP 分数,从 0.58(单个模型的最大 mAP)提高到 0.70,提高了 20%。本研究的结果强调了深度学习和集合技术在提高物体检测模型的准确性和可靠性方面的潜力,从而为农业害虫检测领域做出了贡献。
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引用次数: 0
期刊
AI
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