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'LLMs to send birthday messages' is the latest fascinating example of 'a thing that is useful for governments and organisations being weirdly packaged as useful for households'.
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So much of, e.g. anti-fraud is going to become easier and more effective the more of it we can automate it (a lot of it is just 'we got this bit of the state to talk to this bit of a bank which talked to this mobile phone company' which obviously takes a lot more time the less automated it is.
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Anti-fraud is the last thing you want to let AI lose on; cf. post office scandal.
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AI is great for fraud detection if you implement it correctly.