Gabrielle Inhofe

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Articles

Interpreting the Black Box: Why Explainable AI is Critical for Fraud Detection

2 months ago | datos-insights.com | Gabrielle Inhofe |Mitch Wein |Deb Zawisza |Robin LoGiudice

As financial crime tactics become increasingly sophisticated, financial institutions (FIs) are gradually turning to artificial intelligence (AI) for solutions to detect potentially fraudulent activities and transactions. Integrating AI can support higher predictive accuracy, but AI models are often opaque—“black boxes” lacking transparency into how the models arrive at their fraud risk predictions. This lack of interpretability is particularly concerning for fraud detection use cases.
From Configuration to True Customization: The AI-Powered Revolution in Corporate User Experience

2 months ago | datos-insights.com | Enrico Camerinelli |Gabrielle Inhofe |Gilles Ubaghs

In the world of corporate software and digital services, “customization” was long considered a forbidden word. The industry’s standard response was to offer “configuration” instead—a limited set of predefined options that users could toggle within carefully controlled boundaries. This approach was born not from a lack of understanding about the value of true customization but from technological constraints and the prohibitive costs of maintaining truly customized solutions.
Identity as a Business Enabler

Feb 16, 2024 | datos-insights.com | Stephanie Dalwin |Deb Zawisza |Gabrielle Inhofe

Identity modernization is one of the top challenges in information security. Marrying real-world and digital identity is complex, and the yet-to-be-determined impact of generative AI further complicates it. Operational groups are siloed, and many use different tools and systems. Recent Datos Insights research reveals that 100% of financial institutions believe customer identity and access management (CIAM) is very important.
How Data Technology Can Boost Annuity Business

Feb 15, 2024 | datos-insights.com | Deb Zawisza |Gabrielle Inhofe |Steven Kaye

Annuity carriers have a massive opportunity to leverage data and analytics to gain strategic advantage in today’s competitive landscape. Technology leaders in the annuity business are well aware of the operational and regulatory complexities in this industry. Despite these obligations, annuity CIOs should seek to invest in data infrastructure, artificial intelligence (AI), and analytics to unlock growth for their annuity businesses. Data is the biggest limitation for most annuity carriers.
Fincrime and Cybersecurity: Fintech M&A Activity Reaches New Heights

Feb 14, 2024 | datos-insights.com | Gabrielle Inhofe |Steven Kaye

In the wake of the COVID-19 pandemic, activity in fintech mergers and acquisitions (M&A) climbed to unprecedented levels, with a record US$348.5 billion in volume and 1,485 transactions in 2021. Fintechs in fraud, AML, and cybersecurity played a critical role in this activity, with legacy players eager to snap up newcomers offering cutting-edge approaches to dramatic rises in cyberattacks and fraud.
NYDFS Proposes Strict AI and Third-Party Data Rules

Feb 13, 2024 | datos-insights.com | Steven Kaye |Gabrielle Inhofe

The New York Department of Financial Services (NYDFS) has released a proposed circular letter outlining stringent new rules for insurers using AI systems and external consumer data and information sources (ECDIS) in underwriting and pricing policies. The proposed rules aim to address concerns about potential discrimination, unfairness, and lack of transparency and oversight in insurers’ use of AI and third-party data.
Valentine’s Day: A Holiday Ripe for Romance Scams

Feb 13, 2024 | datos-insights.com | Gabrielle Inhofe |Steven Kaye

Perpetrators of romance scams operate year-round, but the Valentine’s Day season sees heightened activity across the globe, including the U.S., U.K., and Australia. As individuals increasingly look to connect with others over dating apps and social media, criminals have a broader base of potential targets from which to choose. What is a romance scam, and how can folks spot them and protect themselves?
Ethical AI: The Good, the Bad, and the Ugly

Jan 3, 2024 | datos-insights.com | Gabrielle Inhofe

In 2018, Oxford philosopher Nick Bostrum proposed a thought experiment called “The Vulnerable World Hypothesis,” which considers humanity’s increasing technological advances through an ethical lens. He imagines an urn that is filled with various differently colored balls, each color representing a possible invention, discovery, or idea: white balls are unequivocally good, and gray balls can present dangers and benefits.
Regulations and Standards Shine a Much-Needed Light on the Need for API Security

Dec 26, 2023 | datos-insights.com | Tari Schreider |Gabrielle Inhofe

APIs have become integral to modern software architecture, and the digital economy has exponentially increased API adoption. However, with the rise of APIs, there has been a corresponding rise in API security risks. Capturing today’s headlines are API-origin data breaches that have compromised tens of millions of sensitive customer records.
Navigating the Path to Leadership: Insights for Women

Dec 22, 2023 | datos-insights.com | Carey Geaglone |Gabrielle Inhofe

I recently hosted the last Datos Insights Women’s Network virtual meeting of the year on the topic of Do Women Want to be Leaders? Our panel included Darchelle Caces (Senior Director at Trustmark), Jakki Kennedy (Lead Business Analyst at MMG), Teresa Magruder (EVP at Shelter Insurance), and Jennifer Ramos (AVP at Global Indemnity). Our discussion covered trends related to women in leadership roles and how organizations can encourage more women to pursue leadership roles.