Artificial Intelligence: Make it Ethical, Explainable, and Efficient

In a series on TechTarget's IoT Agenda, I discuss the 3 E's of artificial intelligence: ethical, explainable, and efficient.

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Scott Zoldi by Scott Zoldi

Chief Analytics Officer

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In a three-part series on TechTargets IoT Agenda I explore the three most critical topics related to artificial intelligence: ethics, explainability and efficiency. I called this the 3 E’s of AI and you can read the full series here. 

Eliminating Bias

In the first article, First an Intro to Ethical Artificial Intelligence, I explore the challenge of delivering truly ethical AI and why it requires closely examining each data class separately. As data scientists, we must demonstrate to ourselves and the world that AI and machine learning technologies are not subjecting specific populations to bias.

Explainability is Everything

In the second piece, Creating Explainable Artificial Intelligence, I talk about why explainability is everything. Essentially, explainable latent features and blockchain make complex AI models understandable to human analysts at companies and regulatory agencies––a crucial step in speeding ethical, highly predictive AI technology into production.

Realizing the Benefits

Finally, in the third article, How to Deploy Efficient Artificial Intelligence, I explain why efficient AI is essential in propelling a company’s realization of the benefits delivered by ethical AI and explainable AI.

Follow me on Twitter @ScottZoldi for my views on AI and more. 

Scott Zoldi
Scott Zoldi
Dr. Scott Zoldi is chief analytics officer at FICO, responsible for artificial intelligence (AI) and analytic innovation across FICO's product and technology solutions. Dr. Scott Zoldi has been listed as an inventor on 100+ patents, in collaboration with other data and analytic scientists, and he is also named on an additional 45+ patent applications in process. Scott is an industry leader in the responsible use of AI, Generative AI (GenAI), and Agentic AI, as well as an outspoken proponent of AI governance and regulation. His groundbreaking work in focused language models (FLMs) for GenAI and a patented use of blockchain technology for AI model development governance has helped propel Scott to AI visionary status. His recent awards include Constellation Research Award AI150, Tech Leadership Award from Banking Tech Awards, Tech Influencer Highly Commendable Award from DataIQ Data & AI Awards, San Diego Business Journal - Leaders of Influence in Technology (2025); Tech Leadership - Software & Services Provider from Fintech Futures, MachineCon AI100 Award, Innovator Award from American Banker (2024); Global Finance Innovator Award (FICO) (2023); and Corinium Future Thinking Award (2022). An enthusiastic member of the southern California tech community, Scott serves on the Boards of Directors of Software San Diego and the San Diego Cyber Center of Excellence. He received his Ph.D. degree in theoretical and computational physics from Duke University, and his work has been published in The Harvard Business Review and numerous scientific journals.

When not at his office or on a plane, Scott can often be found in his Ford Bronco, exploring the desert around San Diego with his family. To hear more of his views follow Scott on LinkedIn and BlueSky @ScottZoldi.
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