Question18 The central argument of the article "Regulating Artificial Intelligence in Finance: Putting the Human in the Loop" for tackling the AI "black box" problem revolves around what core concept? Strengthening the personal responsibility requirements to put a "human in the loop." Developing more powerful AI systems that can self-regulate. Imposing stricter penalties on AI developers for any system failures. Completely banning the use of AI in high-stakes financial applications. ResetMaximum marks: 1 Flag question undefinedSingle choice
A
Strengthening the personal responsibility requirements to put a "human in the loop."
B
Developing more powerful AI systems that can self-regulate.
C
Imposing stricter penalties on AI developers for any system failures.
D
Completely banning the use of AI in high-stakes financial applications.

Question

Question18 The central argument of the article "Regulating Artificial Intelligence in Finance: Putting the Human in the Loop" for tackling the AI "black box" problem revolves around what core concept? Strengthening the personal responsibility requirements to put a "human in the loop." Developing more powerful AI systems that can self-regulate. Imposing stricter penalties on AI developers for any system failures. Completely banning the use of AI in high-stakes financial applications. ResetMaximum marks: 1 Flag question undefinedSingle choice

A

Strengthening the personal responsibility requirements to put a "human in the loop."

B

Developing more powerful AI systems that can self-regulate.

C

Imposing stricter penalties on AI developers for any system failures.

D

Completely banning the use of AI in high-stakes financial applications.

BlackTom AI · Accepted Answer

Putting a human in the loop—strengthening personal responsibility requirements—is the core concept. The article title explicitly pairs regulation and “putting the human in the loop,” signaling an emphasis on embedding human oversight and accountability to resolve the AI “black box” problem.

1) Relevant knowledge points and concepts
- Black box problem: opaque AI decision-making that prevents stakeholders from understanding how outputs are produced.
- Human-in-the-loop (HITL): design and regulatory approach that ensures humans retain meaningful oversight, review, and authority over automated decisions.
- Personal responsibility requirements: legal and compliance obligations placed on named individuals (e.g., senior managers) to ensure systems are properly governed.

2) Step-by-step reasoning
- Step 1: The title directly references “Putting the Human in the Loop,” indicating HITL is central.
- Step 2: The black box issue is typically addressed by increasing transparency and accountability rather than by complete bans or solely technical self-regulation.
- Step 3: Strengthening personal responsibility complements HITL because it ties oversight to identifiable human actors who can audit, intervene, and be held accountable.
- Step 4: Therefore, the central argument is to use regulatory measures to ensure human oversight and responsibility, addressing opacity through governance.

3) Calculations
- Not applicable; reasoning uses logical inference from the article title and regulatory principles.

4) Why the correct answer is correct
- The chosen option directly matches both the phrase in the title and an established regulatory remedy for black-box AI: formalizing human oversight and assigning responsibility to individuals to mitigate opaque automated decision-making.

5) Why other options are incorrect
- Developing self-regulating AI: focuses on technical autonomy, not human oversight, and doesn’t reflect “putting the human in the loop.”
- Imposing stricter penalties on developers: addresses deterrence but not the HITL governance emphasis.
- Completely banning AI in high-stakes finance: extreme and inconsistent with a regulatory approach that seeks managed use and oversight.

6) Conclusion
The correct answer is: Strengthening the personal responsibility requirements to put a "human in the loop." This matches the provided answer.