4 AI Predictions for 2023: From the Great Correction to Practical AI
A pragmatic approach I call Practical AI will rise in 2023 like a phoenix from the ashes of years of irrational exuberance around artificial intelligence
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 116 AI and software patents, in collaboration with other data and analytic scientists, and he is also named on an additional 46 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.
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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America’s AI Bill of Rights is the Right Idea – and It’s About Time
The AI Bill of Rights is the first step toward similar regulation of AI and machine learning algorithms
Where Are We Now? 2022 Data Science and AI Predictions Revisited
Within my AI predictions for the year, interpretable machine learning (ML) models have surprised me by garnering greater awareness from data science leaders
AI Governance: A Critical Component of Corporate ESG Initiatives
Helping organizations navigate the often-challenging implementation of Responsible AI as part of ESG efforts
FICO’s New AML Scores Use AI and ML to Detect Money Laundering
New AML scores reduce false positive alerts by 50% while detecting 100% of known money laundering transactions, and discover new aberrant, potentially risky behaviors
“There Can Be Only One”: The Highlander Principle of Data Science
Many organizations, including data science teams, derail innovation with internal competition that fragments resources and energy.
AI Predictions 2022: The Great Humbling of AI
I predict that Auditable AI and Humble AI will become widely used in 2022, as essential parts of Responsible AI
Fighting Bias: How Interpretable Latent Features Remove Bias in Neural Networks
FICO’s data science labs called interpretable latent feature-based neural networks (ILF NNET) help expose and eliminate biases derived from data showing up in the model.
FICO’s New AI Playbook: How to Achieve Responsible AI
The Responsible AI Playbook provides a clear path to operationalizing AI deployments. Use it to achieve high-impact business results within important ethical and legal boundaries.
Open Source Junkies: How Much Analytic Power Do You Need?
Data scientists need to justify the need for the incremental risk we assume when using more complicated methods to solve a problem - not be open source junkies
Beyond Responsible AI: 8 Steps to Auditable Artificial Intelligence
Auditable AI provides the documentation and records necessary to pass a regulatory review
FICO Integrates Fraud and Scam Detection in FICO Falcon Retail Banking 3.0 Model
FICO’s new Scam Detection Score identifies 50% more scam transactions compared to the standard fraud score
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