About the Author
Nick F. Ryman-Tubb helped to pioneer the application of artificial intelligence (AI) and deep learning neural networks within the financial industry. In 1986, he founded Neural Technologies in the UK, among the first AI businesses focused on risk, banking, and payment fraud. After his exit in 2000, Nick joined businesses that today deploy his AI in insurance, money laundering, contactless/mobile payment fraud detection, protecting over 150 institutions, more than 3 million merchants, 1 billion cards, and over 30 billion credit/debit card transactions a year. Nick is a professor and Machine Learning Impresario at the University of Surrey where he teaches and continues his research. He recently formed the Institute for Financial Innovation in Transactions and Security (FITS) as a non-profit organisation with a simple vision - to dramatically reduce payment fraud using AI. Today, FITS works with all its industry members towards this shared vision. Paul Krause is professor in Complex Systems at the University of Surrey. He graduated in pure mathematics and experimental physics from the University of Exeter, and then spent the next ten years as a researcher in geophysics and then low-temperature physics. Following that, he moved to his main research career path in the theory and practice of AI. While maintaining, with a spirited defence, that we are far, far off any "AI singularity", he does believe that the computer age is providing us with a set of valuable tools to help us achieve a better understanding of the intensely interdisciplinary problems that complexity science is now beginning to address.