SlideShare a Scribd company logo
Henri Dewaerheijd, Country Manager BeLux
Juan Carlos Guerra, Director, Product Management,
BeLux
8 December 2023
Generative AI – the next evolution
State of
Payments
Artificial Intelligence in Evolution
©2017
Mastercard.
Proprietary
Super Human
©2017
Mastercard.
Proprietary
Un-Human
©2017
Mastercard.
Proprietary
©2017
Mastercard.
Proprietary
ANI
Narrow
Intelligence
©2017
Mastercard.
Proprietary
“Could a
computer make
a cup of coffee?”
Steve Wozniak
AGI
General Intelligence
©2017
Mastercard.
Proprietary
Time to 100 million users
54
42
30
12
2.5
0 10 20 30 40 50 60
Months to 100M
©2017
Mastercard.
Proprietary
Increased
Human – Machine
Interaction
Source: Stefano Puntoni, Sebastian S. Kresge at
Wharton, University of Pennsylvania
Source: Stefano Puntoni, Sebastian S. Kresge at
Wharton, University of Pennsylvania
Better Human
©2017
Mastercard.
Proprietary
AI & payments
©2017
Mastercard.
Proprietary
©2017
Mastercard.
Proprietary
Shopping Muse, Gen AI making shopping smarter
AI & Business
©2017
Mastercard.
Proprietary
What is real?
What is true?
©2017
Mastercard.
Proprietary
Value of Trust
©2017
Mastercard.
Proprietary
Value of Trust
and
©2017
Mastercard.
Proprietary
Safe, Simple and Secure
T H A N K Y O U

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S1_3_0_1 Henri Dewaerheijd_OK to publish.pptx

Editor's Notes

  1. 1950, Alan Turing - Turing test in paper “Computing Machinery and Intelligence.” Judge communicates two participants in two different rooms. Room 1 machine, and other real person. Judge ask participant questions to figure which is machine. If the judge picks person less than 50 percent of the time, the machine would be considered “intelligent.” Since Turing’s initial theory, there’s been a steady march to create thinking machines. In the past couple decades, there’s been enormous progress in this field,
  2. AI made headlines for the first time on 12 May 1997 IBM’s Deep Blue supercomputer defeated Gary Kasparov. First time a machine was able to outperform a human at a complex task How? Rules were programmed, computer was told (not thought) to run all possible alternative moves. Brute force, calculation speed. No human can beat chess-computers. So what is next: computer vs computer.
  3. 20 years later. AlphaZero by Google DeepMind beat world champion chess program, Stockfish 8 Why ? Difference is machine learning. AlphaZero was given basic rules of chess and that is where human input ended. The rest it works out by playing itself over and over with self-reinforced knowledge. Essentially, the computer programs itself. 4 hours to achieved super-human grand-master status. “more human-like approach” in search for moves, processing 80,000 positions per sec vs Stockfish 70m. Lee Sedol. Grand Master of Go vs Google Alphe GoZero. The last claim of human superiority fell with this game. The game is known for its endless combinations More combinations than there are atoms in the universe Brute force no longer works. You can not calculate yourself to victory. Strategies need to be forged, moves must be anticipated, game techniques must adaptable.
  4. We’re a far cry from deploying computers that can think for themselves. “narrow intelligence,” which means it is very good at performing deep but singly focused and specific tasks, as mandated by its creator – the programmer. Not capable of initiative, or general intelligence Human still have the upper hand in this DeepMind, an AI computer recently acquired by Google for £400 million, has failed a 16-year-old level math problem. What happened ?
  5. We’re a far cry from deploying computers that can think for themselves. “narrow intelligence,” which means it is very good at performing deep but singly focused and specific tasks, as mandated by its creator – the programmer. Not capable of initiative, or general intelligence Human still have the upper hand in this
  6. Apple co-founder Steve Wozniak has suggested a coffee test, whereby a robot would be challenged to enter your home, find the kitchen and brew a cup of coffee. Requires being able to interpret a totally unknown environment, being able to discover things in a totally unknown place, and being able to make something with unknown equipment in a particular household. We shouldn’t confuse the progress we’re making on these more narrow, specific problem sets to mean, therefore, we have created a generalized system.
  7. Altogether, the research points out that ChatGPT has around 100 million users just 2.5 months after its launch. To understand how impressive those numbers are, it took Facebook 4.5 years, WhatsApp 3.5 years, Instagram 2.5 years, and Google almost a year to reach 100 million users. In addition, just five days after its launch, ChatGPT had its first one million users, a milestone that took Twitter nearly two years to achieve.
  8. NuDetect
  9. DY – Shopping Muse Please read the video without the sound
  10. But we are not at a chess master symposium today, we are at the Banking Scene. And you are probably all wondering why I, a payments professional, is explaining all this. Well AI will be a huge force in business and it can drive huge competitive advantage.
  11. 3 examples of how Mastercard uses AI deliver on its mission of making payment experiences safe, simple and secure.
  12. I hope that after this presentation your agree there’s little doubt that AI has the potential to greatly improve our lives. AI will make the roads safer, help in medicine, aide the disabled and the elderly, transform a countless number of jobs. Today we saw how AI can help solve key issues in our fight against fraud and how Mastercard can help. My name is Henri Dewaerheijd and I am the country manager for Mastercard. Thank you for your attention.