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AI as my Member of Parliament

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By        Narasimhan Vijayaraghavan

AI is all over the place. The benefits and threats are real. Not hallucinations that AI is prone to. They are real. IBM recently withdrew a plan to recruit 7800 new employees. They feel AI could be an effective replacement.

Already, AI is in use in a bigly way. Take the case of assessing ‘employability’ of candidates applying for a job or finalizing candidates seeking to join a course in a University. The choices are are as neutral as they can be. Now read in what is already there.

AI plays a significant role in assessing the financial creditworthiness of loan applicants for banks and financial institutions. By leveraging machine learning algorithms and predictive analytics, AI systems can analyze large volumes of data, including credit history, income statements, employment records, and other relevant information.

These AI-powered credit assessment systems can provide more accurate and efficient evaluations compared to traditional methods. They can detect patterns, identify risk factors, and make predictions based on historical data. This helps lenders make informed decisions regarding loan approvals, interest rates, and credit limits.

The advantages of AI in creditworthiness assessment include speed, consistency, and objectivity. AI systems can quickly process vast amounts of data, leading to faster loan approvals or rejections. Moreover, AI algorithms apply consistent evaluation criteria to all applicants, minimizing human bias and ensuring a fair assessment.

However, it is important to note that AI models must be developed and trained with care to avoid potential biases and discriminatory practices. Transparency, accountability, and regular monitoring are crucial to ensure that AI-based credit assessments are fair and compliant with regulations.

AI has revolutionized the creditworthiness assessment process, making it more efficient and accurate, benefiting both financial institutions and loan applicants. Now, my imagination went wild. It took a bizarrely berserk route. How about AI as our lawmakers? Possible?

The idea of electing an AI as a Member of Lok Sabha in India to make laws for the people is an interesting and thought-provoking concept. While the idea of an AI legislator may seem far-fetched, the potential benefits that such a system could bring about are worth considering.

An AI legislator would not be influenced by emotions, biases, or political affiliations. This would ensure that decisions are made purely based on data and logic, without any external factors clouding judgment. Moreover, an AI would be able to analyze vast amounts of data quickly and efficiently, allowing for more informed and evidence-based decision-making.

Next, an AI legislator would be able to represent all sections of society equally, without being swayed by pressure from special interest groups or lobbyists. This would ensure that policies and laws are made with the best interests of the people in mind, rather than those of a select few.

More significantly, AI legislator would be able to work around the clock, without needing breaks or vacations. This would ensure that the legislative process is efficient and effective, with laws being made and implemented in a timely manner.

However, there are also some potential drawbacks to electing an AI as a Member of Lok Sabha. For one, an AI may lack the empathy and understanding of human needs and emotions. This could result in laws being made that do not fully take into account the human impact of certain policies.

Another concern is the potential for hacking or manipulation of the AI system. This could lead to laws being made that are influenced by external actors, rather than being based purely on data and logic.

Despite these concerns, the potential benefits of an AI legislator cannot be ignored. With the rapid advances in technology, it is not far-fetched to imagine a future where an AI could effectively represent the people of India in the Lok Sabha.

Oh! For AI as my representative!

Going by the caliber of our present lot of representatives, from the pros and cons,  I could come up with, there appear to far more pluses than minuses. Just the professional and analytical tool the AI may be without fear,bias or favor and no ‘corrupt practices’, may be faculties to yearn for.

Vote for AI. Shall we?


( Writer is practicing advocate in the Madras High Court)


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