Artificial Intelligence Technologies: Means of Influencing the Mass Consciousness of People within the Framework of a New Social Reality

DOI: 10.33917/es-4.196.2024.46-53

The purpose of this article is to identify criteria for the influence of artificial intelligence technologies in payment systems on the consciousness of the population as their main user. When reviewing technologies, methods of scientific analysis were applied: the method of analysis and synthesis, abstraction, generalization, description, induction, deduction.

The article dwells on assessment of the implementation and impact of technologies based on artificial intelligence. It is shown that at the moment a situation has arisen where artificial intelligence tools have the opportunity to manipulate human consciousness. Accelerated development of human interaction in the virtual space resulted in both positive and negative consequences of the use of artificial intelligence technologies in payment systems within the framework of the new social reality. Based on the identified advantages and disadvantages, criteria for the impact of artificial intelligence technologies on the consciousness of the population were discovered and identified.

References:

1. Velichkovskiy B.B. Soznanie [Conscience]. Bol’shaya rossiyskaya entsiklopediya, available at: https://bigenc.ru/c/soznanie-f1153b

2. Tekhnologii iskusstvennogo intellekta i mashinnogo obucheniya [Artificial Intelligence and Machine Learning Technologies]. NIU VShE, 2021, 5 marta, available at: https://hsbi.hse.ru/articles/tekhnologii-iskusstvennogo-intellekta-i-mashinnogo-obucheniya/

3. 12 variantov ispol’zovaniya II i mashinnogo obucheniya v finansakh [12 Ways to Use AI and Machine Learning in Finance]. Generativnyy analiz dannykh, 2020, 10 aprelya, available at: https://zephyrnet.com/ru/12-use-cases-of-ai-and-machine-learning-in-finance/

4. Fedorov D. Chto takoe NLP? [What is NLP?]. Renovatsio, 2023, available at: https://renovatsio.rf/media/natural-language-processing

5. Vot polozhenie NLP v finansakh. Ty dolzhen znat’ [Here is the Position of NLP in Finance. You Should Know]. Shaip, 2023, 26 oktyabrya, available at: https://ru.shaip.com/in-the-media/here-are-the-applications-of-nlp-in-finance-you-need-to-know/

6. Perspektivy razvitiya chat-botov v bankovskom sektore: golosovoy II, prognozirovanie povedeniya, analiz nastroeniya [Prospects for the Development of Chatbots in the Banking Sector: Voice AI, Behavior Forecasting, Mood Analysis]. TalkBank, 2022, 21 yanvarya, available at: https://business.talkbank.io/tpost/ lp3s2ai1c1-perspektivi-razvitiya-chat-botov-v-banko

7. Vershinin O. Neyronnye seti: printsip raboty, perspektivy i 159 sovremennykh neyronok [Neural Networks: the Principle of Operation, Prospects and 159 Modern Neurons]. Neiros, 2023, 17 noyabrya, available at: https://neiros.ru/blog/automation/neyronnye-seti-printsip-raboty-perspektivy-i-159-sovremennykhneyronok/

8. Kak rabotayut neyronnye seti? [How do Neural Networks Work?]. Productstar, 2023, 16 marta, available at: https://blog.productstar.ru/kak-rabotayutnejronnye-seti/

9. Prediktivnaya analitika: instruktsiya po primeneniyu II pri prognozirovanii [Predictive Analytics: Instructions for using AI in Forecasting]. SBER Pro, 2023, 23 avgusta, available at: https://sber.pro/publication/prediktivnaya-analitika-instrukcziya-po-primeneniyu-ii-pri-prognozirovanii/

10. Iskusstvennyy intellekt i prediktivnaya analitika [Artificial Intelligence and Predictive Analytics]. Cloud Networks, 2021, 12 marta, available at: https:// cloudnetworks.ru/analitika/iskusstvennyj-intellekt-i-prediktivnaya-analitika/

11. Vasil’eva M. Chto takoe blokcheyn, gde primenyaetsya i chto ego zhdet v budushchem [What is Blockchain, Where is it Used and What Awaits it in the Future]. Banki.ru, 2022, 16 noyabrya, available at: https://www.banki.ru/news/daytheme/?id=10975614

12. Bagreeva E.G., Ismailov N.E., Bobyleva L.M. Iskusstvennyy intellekt kak protivodeystvie moshennichestvu v bankovskoy sfere [Artificial Intelligence as a Counteraction to Fraud in the Banking Sector]. Evraziyskaya advokatura, Ufa, 2022, no 2(57), pp. 90–95.

13. Repin D. Neyroseti dlya tranzaktsiy: kak na dele rabotayut “bol’shie dannye” v rossiyskikh bankakh? [Neural Networks for Transactions: How does “Big Data” Actually Work in Russian Banks?]. Forbes, 2017, 28 aprelya, available at: https://www.forbes.ru/tehnologii/341517-neyroseti-dlya-tranzakciy-kakna-dele-rabotayut-bolshie-dannye-v-rossiyskih-bankah

14. Khachatryan F. Kak ispol’zovat’ iskusstvennyy intellekt dlya obrabotki finansovykh dannykh [How to Use Artificial Intelligence to Process Financial Data]. itWeek, 2023, 16 iyunya, available at: https://www.itweek.ru/ai/article/detail.php?ID=226591

15. Kak iskusstvennyy intellekt ispol’zuetsya dlya obnaruzheniya moshennichestva? [How is Artificial Intelligence Used to Detect Fraud?]. Blockchain24.com, 2023, 25 aprelya, available at: https://www.block-chain24.com/articles/kak-iskusstvennyy-intellekt-ispolzuetsya-dlya-obnaruzheniyamoshennichestva

16. Iskusstvennyy intellekt v finansakh [Artificial Intelligence in Finance]. Polygant, 2021, 3 marta, available at: https://polygant.net/ru/ai/iskusstvennyjintellekt-dlya-fintekha/

17. Chto takoe GDPR [What is GDPR?]. Otkrytie. Akademiya biznesa, 2021, 15 maya, available at: https://academyopen.ru/journal/508

18. Barney N. PCI DSS (Payment Card Industry Data Security Standard). TechTarget, 2023, Iyun’, available at: https://www.techtarget.com/searchsecurity/ definition/PCI-DSS-Payment-Card-Industry-Data-Security-Standard

19. Standart bezopasnosti dannykh v sfere platezhnykh kart (PCI-DSS) [Payment Card Data Security Standard (PCI-DSS)]. Microsoft, 2023, 7 dekabrya, available at: https://learn.microsoft.com/ru-ru/compliance/regulatory/offering-pci-dss

20. Semeko G.V. Iskusstvennyy intellekt v bankovskom sektore: vozmozhnosti i problem [Artificial Intelligence in the Banking Sector: Opportunities and Challenges]. Sotsial’nye novatsii i sotsial’nye nauki, Moscow, 2021, no 2, pp. 81–97.

21. Zorin G.E. Iskusstvennyy intellekt i ego primenenie v bankovskoy sfere [Artificial Intelligence and its Application in the Banking Sector]. Vestnik Rossiyskogo universiteta kooperatsii, Cheboksary, 2020, no 1(39), pp. 31–36.

22. Vnedrenie iskusstvennogo intellekta: kak gosudarstvo podderzhivaet otrasl’ [The Introduction of Artificial Intelligence: How the Government Supports the Industry]. RBK, 2022, 21 noyabrya, available at: https://www.rbc.ru/technology_and_media/21/11/2022/6373b9d99a7947fa230d041d?ysclid=ltfn76c ny517853633

23. Leonov V.A., Kashtanova E.V., Lobacheva E.S. Etika iskusstvennogo intellekta: problemy i initsiativy v sotsial’noy sfere [Ethics of Artificial Intelligence: Problems and Initiatives in the Social Sphere]. Upravlenie personalom i intellektual’nymi resursami v Rossii, Moscow, 2021, no 2(59), pp. 5–12.

24. Otnoshenie naseleniya Rossiyskoy Federatsii k razlichnym sredstvam platezha [The Attitude of the Population of the Russian Federation to Various Means of Payment]. Tsentral’nyy bank RF, 2021, available at: https://cbr.ru/Collection/Collection/File/42128/results_2021.pdf