<ul><li><strong>Hidden Bias </strong>Both humans and data have some form of hidden bias. Often bias is transferred to data because of people. "We can't do these jobs without getting data. The most important thing that banks must bear in mind when adopting Al is why they want it. Don't implement Al for the sake of Al. Begin with a business case grounded in customer insights from behavioral analytics and market research. Companies will spend a lot of time and money trying to implement Al for no good reason. Ensure your bank has the data and reasoning first, then execute.</li><li><strong>Distribution of Power </strong>Al may supersede or take over humans soon. Given that Al gives excessive power to the few individuals who are in control, Al bears the risks and takes control away from humans while dehumanizing actions in various ways.</li></ul>