If those risk management systems are themselves software, that doesn't really change the overall picture.
It does because the issue is complexity and opaqueness. A simple gatekeeper filter along the lines of
if (trade.size > gazillion) { reject(trade) }
is not an "AI system".
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This can be tested by estimating how much IQ screens off race/gender as a success predictor, assuming that IQ tests are not prejudiced and things like the stereotype threat don't exist or are negligible.
National average IQ is strongly correlated with national wealth and development indexes, which I think refutes the hypothesis that IQ mainly affects success as a positional quality, or a proxy of thereof, at least at the level of personal interactions.
And assuming IQ captures everything relevant about the difference.