Risk and predictability define the automation frontier (Dhar: 2017). Many financial services have properties well-suited to platform automation: they are purely digital goods, tasks are objective and computationally intense, and many financial intermediaries are "non-scalable gatekeepers. As prediction costs fall, the automation frontier will move, sweeping more financial services activities into the realm of artificial intelligence. Pick ONE of the risks of Al in financial services shown below, and using an example from class, or your work experience, describe an undesirable Al outcome and how a responsible "fintech citizen" could mitigate it. . Algorithmic bias in lending decisions by an incumbent banks Emergent behavior in machine learning tools managing equity market trading in a fintech app like Robinhood Economic power agglomeration on a P2P lending platform Financial surveillance by a multi-product international telecommunications conglomerate