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2. Phones AI automates a host of functions on your smartphone, from predictive text that learns the words you commonly use to voice-activated personal assistants which listen to the world around them and try to learn your keywords. The way your phone screen adjusts to ambient light or the battery life is optimized is also down to AI. But if the personal assistant absorbs everything you say, whether you’re on the phone or not, some critics say it creates opportunities for surveillance, however benign the intention. 3. Banking In many parts of the world, online and app-based banking are the norm. From onboarding new customers and checking their identity to countering fraud and money laundering, AI is in charge. Want a loan? An AI-powered system will assess your creditworthiness and decide.

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