An AI ethics committee is reviewing a proposal to use facial recognition AI to verify customer identity for bank account access. Which risk requires HIGHEST priority in the ethics review?
Select an answer to reveal the explanation.
Short Explanation and Infographic
Here's the deal — b is correct because documented performance disparities of facial recognition systems across skin tones create discriminatory access outcomes: darker-skinned customers may be denied access at higher rates, constituting discrimination in the provision of financial services. This is the highest-priority ethics and regulatory risk.
Full explanation below image
Full Explanation
B is correct because documented performance disparities of facial recognition systems across skin tones create discriminatory access outcomes: darker-skinned customers may be denied access at higher rates, constituting discrimination in the provision of financial services. This is the highest-priority ethics and regulatory risk. False rejection in poor lighting (A) affects all users and is a usability concern. Computational cost (C) is an operational concern. Customer preference (D) is a user experience consideration. Racial performance disparities in a financial access tool combine discrimination risk, regulatory risk, and fundamental rights concerns.