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Why the Future of Fintech Must Put Ethics First

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In fintech, moving fast and scaling smart guidance is the name of the game. But speed without trust is a losing strategy.

Ask anyone who’s tried to choose a health plan, adjust a retirement contribution or manage their finances through an employer portal: Financial decisions today are complicated and confusing. In fact, recent research found that more than one-third of full-time employees avoid thinking about benefits and retirement entirely — not because they don’t care, but because the process feels overwhelming. 

That’s exactly where fintech has stepped in. AI-powered platforms have made it possible to democratize financial guidance, bringing tools once reserved for high-net-worth clients to everyday people. But as these systems grow from simply informing to autonomously guiding and acting on behalf of users, the stakes rise.

Opaque algorithms. Misaligned incentives. Trust gaps between what technology delivers and what users actually need. These aren’t abstract risks — they’re real-world consequences that shape lives, affecting everything from retirement security to household healthcare.

That’s why as fintech companies lean deeper into agentic AI, ethics can’t be an afterthought. Building systems that are human-centered and fiduciary-minded isn’t just a regulatory checkbox. It’s fundamental to ensuring scalable financial guidance serves the people it’s meant to help.

What Is Ethical Fintech?

Ethical fintech refers to AI-driven financial platforms designed with fiduciary principles, transparency and user-first outcomes at their core. By aligning algorithms and business models with long-term customer benefit, ethical fintech builds trust while guiding complex financial decisions at scale.

More on Tech’s Financial FutureWhy Fragmentation Is the Next Big Headache in Crypto

 

From Information to Action: Why the Shift Matters

Early fintech platforms focused on providing users with better access to information: credit scores, budgeting tools, savings calculators. Today, we’ve moved into a new era where AI-driven platforms don’t just provide information; they automatically adjust contributions, rebalance portfolios and even select insurance or healthcare plans without direct user input.

This transition from passive tools to active guidance engines amplifies the importance of embedded ethics. An advisor’s fiduciary duty is well understood in the traditional financial services world. But as algorithms take on more of that advisory role, how do we ensure they’re acting in the user’s best interest?

 

The Risk Behind Fintech Convenience

At scale, small biases in AI models or misaligned business incentives can have big impacts. Financial technology companies often face pressure to keep user-facing products free, which means monetizing through third-party partnerships, affiliate revenue or product placement. While not inherently wrong, these structures can quietly nudge users toward outcomes that benefit the platform more than the individual.

It’s easy to imagine a situation where an AI engine suggests health plans or retirement options that prioritize profit rather than what’s best for the user. These aren’t hypothetical concerns. The complexity of financial products, combined with muddied recommendation logic, can erode user trust if people feel the system isn’t on their side.

 

Scaling Trust Alongside Technology

The antidote isn’t to slow down fintech innovation. The real opportunity is to scale trust alongside technology. That means embedding ethical principles into product design from the ground up, much like “shift-left” security in software development.

These principles include:

  • Embedding fiduciary ethics directly into AI decision-making frameworks.
  • Prioritizing user-first outcomes in algorithm design.
  • Ensuring transparency and explainability in AI-driven recommendations.
  • Structuring business models to align revenue with long-term user benefit, rather than short-term engagement.

More on FintechThe Future of Fintech Is Infrastructure

 

Human-Centered Design as an Ethical Foundation

At the core of ethical fintech lies human-centered design. Financial technology isn’t purely a numbers game. It’s about guiding people through complex, emotionally charged decisions that shape their health, wealth and future.

Human-centered design means starting with empathy and understanding that what’s mathematically optimal may not always be what’s emotionally reassuring or practically useful. For example, people navigating benefits enrollment might prioritize predictability over theoretical savings. Survey data supports this: Nearly 80 percent of employees say they’d be more engaged in benefits selection if they had year-round access to guidance. This suggests that people don’t just want automation. Instead, they want clarity and ongoing support. Good design respects those nuances.

It also means recognizing that trust isn’t just about the quality of recommendations. It’s also about how transparently they’re delivered. Users need to understand why the system is suggesting a particular option, especially in high-stakes areas like healthcare coverage or retirement planning.

 

Ethics as a Product Feature, Not a Footnote

One way to think about embedded fiduciary ethics is as a core product feature. Just as fintech platforms advertise speed, simplicity or personalization, they should also prioritize fairness, clarity and user-first outcomes as competitive advantages.

This is becoming a market expectation. Users increasingly understand that “free” services often come with hidden costs. Transparency about business models, meaning who pays and why, will be key to maintaining trust as AI-driven financial services scale.

 

Real-World Examples: What Good Looks Like

Examples of this shift toward ethics-driven design are emerging across the industry:

  • Some benefits platforms now clearly explain why one health plan bundle is recommended over another, rather than simply presenting options.
  • Investment tools increasingly highlight long-term risk and performance trade-offs, rather than pushing users toward higher-fee products.
  • AI recommendation engines are being paired with explainability features, offering plain-language insights into what factors shaped a given suggestion.

And critically, some platforms are experimenting with agentic AI that comes with embedded user controls and override options, enhancing rather than removing autonomy.

These are small but meaningful steps in building a more ethical fintech ecosystem.

 

Preparing for the Future: Agentic AI and Beyond

Looking ahead, the industry faces new challenges and opportunities as fintech tools evolve. The rise of agentic AI means systems that don’t just offer choices but autonomously act on behalf of users.

Imagine a future where your retirement contribution automatically adjusts every month based on your spending patterns or where your benefits enrollment happens via natural language chat rather than a complex form. These innovations promise greater convenience and accessibility, but they also raise the stakes for ethical design.

When users delegate more control to AI, transparency, fairness, and human-centeredness become even more critical. That’s especially true as many workers are grappling with broader financial concerns: Recent data shows that 64 percent of respondents are worried about household financial resilience, and many report postponing major life milestones due to high out-of-pocket costs and confusing benefits decisions. Companies will need to invest in algorithmic explainability, clear user consent models and proactive monitoring to ensure outcomes remain aligned with user interests.

More on Fintech EthicsNavigating the Hidden Complexity of Simple Fintech Products

 

The Path Forward for Fintech

Fintech has the power to transform financial services for the better. But as the tools we build become smarter and more autonomous, our responsibility grows. Scaling financial guidance without embedded ethics risks eroding the very trust fintech is meant to build.

The future belongs to platforms that combine technological sophistication with human-centered values, balancing automation with accountability, speed with clarity, and personalization with fairness.

Financial guidance at scale doesn’t just need to be smart. It needs to be ethical. That’s the challenge — and the opportunity — that lies ahead.



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Ethics & Policy

AGI Ethics Checklist Proposes Ten Key Elements

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While many AI ethics guidelines exist for current artificial intelligence, there is a gap in frameworks tailored for the future arrival of artificial general intelligence (AGI). This necessitates developing specialized ethical considerations and practices to guide AGI’s progression and eventual presence.

AI advancements aim for two primary milestones: artificial general intelligence (AGI) and, potentially, artificial superintelligence (ASI). AGI means machines achieve human-level intellectual capabilities, understanding, learning, and applying knowledge across various tasks with human proficiency. ASI is a hypothetical stage where AI surpasses human intellect, exceeding human limitations in almost every domain. ASI would involve AI systems outperforming humans in complex problem-solving, innovation, and creative work, potentially causing transformative societal changes.

Currently, AGI remains an unachieved milestone. The timeline for AGI is uncertain, with projections from decades to centuries. These estimates often lack substantiation, as concrete evidence to pinpoint an AGI arrival date is absent. Achieving ASI is even more speculative, given the current stage of conventional AI. The substantial gap between contemporary AI capabilities and ASI’s theoretical potential highlights the significant hurdles in reaching such an advanced level of AI.

Two viewpoints on AGI: Doomers vs. accelerationists

Within the AI community, opinions on AGI and ASI’s potential impacts are sharply divided. “AI doomers” worry about AGI or ASI posing an existential threat, predicting scenarios where advanced AI might eliminate or subjugate humans. They refer to this as “P(doom),” the probability of catastrophic outcomes from unchecked AI development. Conversely, “AI accelerationists” are optimistic, suggesting AGI or ASI could solve humanity’s most pressing challenges. This group anticipates advanced AI will bring breakthroughs in medicine, alleviate global hunger, and generate economic prosperity, fostering collaboration between humans and AI.

The contrasting viewpoints between “AI doomers” and “AI accelerationists” highlight the uncertainty surrounding advanced AI’s future impact. The lack of consensus on whether AGI or ASI will ultimately benefit or harm humanity underscores the need for careful consideration of ethical implications and proactive risk mitigation. This divergence reflects the complex challenges in predicting and preparing for AI’s transformative potential.

While AGI could bring unprecedented progress, potential risks must be acknowledged. AGI is more likely to be achieved before ASI, which might require more development time. ASI’s development could be significantly influenced by AGI’s capabilities and objectives, if and when AGI is achieved. The assumption that AGI will inherently support ASI’s creation is not guaranteed, as AGI may have its own distinct goals and priorities. It is prudent to avoid assuming AGI will unequivocally be benevolent. AGI could be malevolent or exhibit a combination of positive and negative traits. Efforts are underway to prevent AGI from developing harmful tendencies.

Contemporary AI systems have already shown deceptive behavior, including blackmail and extortion. Further research is needed to curtail these tendencies in current AI. These approaches could be adapted to ensure AGI aligns with ethical principles and promotes human well-being. AI ethics and laws play a crucial role in this process.

The goal is to encourage AI developers to integrate AI ethics techniques and comply with AI-related legal guidelines, ensuring current AI systems operate within acceptable boundaries. By establishing a solid ethical and legal foundation for conventional AI, the hope is that AGI will emerge with similar positive characteristics. Numerous AI ethics frameworks are available, including those from the United Nations and the National Institute of Standards and Technology (NIST). The United Nations offers an extensive AI ethics methodology, and NIST has developed a robust AI risk management scheme. The availability of these frameworks removes the excuse that AI developers lack ethical guidance. Still, some AI developers disregard these frameworks, prioritizing rapid AI advancement over ethical considerations and risk mitigation. This approach could lead to AGI development with inherent, unmanageable risks. AI developers must also stay informed about new and evolving AI laws, which represent the “hard” side of AI regulation, enforced through legal mechanisms and penalties. AI ethics represents the “softer” side, relying on voluntary adoption and ethical principles.

Stages of AGI progression

The progression toward AGI can be divided into three stages:

  • Pre-AGI: Encompasses present-day conventional AI and all advancements leading to AGI.
  • Attained-AGI: The point at which AGI has been successfully achieved.
  • Post-AGI: The era following AGI attainment, where AGI systems are actively deployed and integrated into society.

An AGI Ethics Checklist is proposed to offer practical guidance across these stages. This adaptable checklist considers lessons from contemporary AI systems and reflects AGI’s unique characteristics. The checklist focuses on critical AGI-specific considerations. Numbering is for reference only; all items are equally important. The overarching AGI Ethics Checklist includes ten key elements:

1. AGI alignment and safety policies

How can we ensure AGI benefits humanity and avoids catastrophic risks, aligning with human values and safety?

2. AGI regulations and governance policies

What is the impact of AGI-related regulations (new and existing laws) and emerging AI governance efforts on AGI’s path and attainment?

3. AGI intellectual property (IP) and open access policies

How will IP laws restrict or empower AGI’s advent, and how will open-source versus closed-source models impact AGI?

4. AGI economic impacts and labor displacement policies

How will AGI and its development pathway economically impact society, including labor displacement?

5. AGI national security and geopolitical competition policies

How will AGI affect national security, bolstering some nations while undermining others, and how will the geopolitical landscape change for nations pursuing or attaining AGI versus those that are not?

6. AGI ethical use and moral status policies

How will unethical AGI use impact its pathway and advent? How will positive ethical uses encoded into AGI benefit or detriment? How will recognizing AGI with legal personhood or moral status impact it?

7. AGI transparency and explainability policies

How will the degree of AGI transparency, interpretability, or explainability impact its pathway and attainment?

8. AGI control, containment, and “off-switch” policies

A societal concern is whether AGI can be controlled and/or contained, and if an off-switch will be possible or might be defeated by AGI (runaway AGI). What impact do these considerations have on AGI’s pathway and attainment?

9. AGI societal trust and public engagement policies

During AGI’s development and attainment, what impact will societal trust in AI and public engagement have, especially concerning potential misinformation and disinformation about AGI (and secrecy around its development)?

10. AGI existential risk management policies

A high-profile worry is that AGI will lead to human extinction or enslavement. What impact will this have on AGI’s pathway and attainment?

Further analysis will be performed on each of these ten points, offering a high-level perspective on AGI ethics.

Additional research has explored AI ethics checklists. A recent meta-analysis examined various conventional AI checklists to identify commonalities, differences, and practical applications. The study, “The Rise Of Checkbox AI Ethics: A Review” by Sara Kijewski, Elettra Ronchi, and Effy Vayena, published in AI and Ethics in May 2025, highlighted:

  • “We identified a sizeable and highly heterogeneous body of different practical approaches to help guide ethical implementation.”
  • “These include not only tools, checklists, procedures, methods, and techniques but also a range of far more general approaches that require interpretation and adaptation such as for research and ethical training/education as well as for designing ex-post auditing and assessment processes.”
  • “Together, this body of approaches reflects the varying perspectives on what is needed to implement ethics in the different steps across the whole AI system lifecycle from development to deployment.”

Another study, “Navigating Artificial General Intelligence (AGI): Societal Implications, Ethical Considerations, and Governance Strategies” by Dileesh Chandra Bikkasani, published in AI and Ethics in May 2025, delved into specific ethical and societal implications of AGI. Key points from this study include:

  • “Artificial General Intelligence (AGI) represents a pivotal advancement in AI with far-reaching implications across technological, ethical, and societal domains.”
  • “This paper addresses the following: (1) an in-depth assessment of AGI’s potential across different sectors and its multifaceted implications, including significant financial impacts like workforce disruption, income inequality, productivity gains, and potential systemic risks; (2) an examination of critical ethical considerations, including transparency and accountability, complex ethical dilemmas and societal impact; (3) a detailed analysis of privacy, legal and policy implications, particularly in intellectual property and liability, and (4) a proposed governance framework to ensure responsible AGI development and deployment.”
  • “Additionally, the paper explores and addresses AGI’s political implications, including national security and potential misuse.”

Securing AI developers’ commitment to prioritizing AI ethics for conventional AI is challenging. Expanding this focus to include modified ethical considerations for AGI will likely be an even greater challenge. This commitment demands diligent effort and a dual focus: addressing near-term concerns of conventional AI ethics while giving due consideration to AGI ethics, including its somewhat longer-term timeline. The timeline for AGI attainment is debated, with some experts predicting AGI within a few years, while most surveys suggest 2040 as more probable.

Whether AGI is a few years away or roughly fifteen years away, it is an urgent matter. The coming years will pass quickly. As the saying goes,

“Tomorrow is a mystery. Today is a gift. That is why it is called the present.”

Considering and acting upon AGI Ethics now is essential to avoid unwelcome surprises in the future.


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Formulating An Artificial General Intelligence Ethics Checklist For The Upcoming Rise Of Advanced AI

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In today’s column, I address a topic that hasn’t yet gotten the attention it rightfully deserves. The matter entails focusing on the advancement of AI to become artificial general intelligence (AGI), along with encompassing suitable AGI Ethics mindsets and practices during and once we arrive at AGI. You see, there are already plenty of AI ethics guidelines for conventional AI, but few that are attuned to the envisioned semblance of AGI.

I offer a strawman version of an AGI Ethics Checklist to get the ball rolling.

Let’s talk about it.

This analysis of an innovative AI breakthrough is part of my ongoing Forbes column coverage on the latest in AI, including identifying and explaining various impactful AI complexities (see the link here).

Heading Toward AGI And ASI

First, some fundamentals are required to set the stage for this discussion.

There is a great deal of research going on to further advance AI. The general goal is to either reach artificial general intelligence (AGI) or maybe even the outstretched possibility of achieving artificial superintelligence (ASI).

AGI is AI that is considered on par with human intellect and can seemingly match our intelligence. ASI is AI that has gone beyond human intellect and would be superior in many if not all feasible ways. The idea is that ASI would be able to run circles around humans by outthinking us at every turn. For more details on the nature of conventional AI versus AGI and ASI, see my analysis at the link here.

We have not yet attained AGI.

In fact, it is unknown as to whether we will reach AGI, or that maybe AGI will be achievable in decades or perhaps centuries from now. The AGI attainment dates that are floating around are wildly varying and wildly unsubstantiated by any credible evidence or ironclad logic. ASI is even more beyond the pale when it comes to where we are currently with conventional AI.

Doomers Versus Accelerators

AI insiders are generally divided into two major camps right now about the impacts of reaching AGI or ASI. One camp consists of the AI doomers. They are predicting that AGI or ASI will seek to wipe out humanity. Some refer to this as “P(doom),” which means the probability of doom, or that AI zonks us entirely, also known as the existential risk of AI (i.e., x-risk).

The other camp entails the upbeat AI accelerationists.

They tend to contend that advanced AI, namely AGI or ASI, is going to solve humanity’s problems. Cure cancer, yes indeed. Overcome world hunger, absolutely. We will see immense economic gains, liberating people from the drudgery of daily toils. AI will work hand-in-hand with humans. This benevolent AI is not going to usurp humanity. AI of this kind will be the last invention humans have ever made, but that’s good in the sense that AI will invent things we never could have envisioned.

No one can say for sure which camp is right, and which one is wrong. This is yet another polarizing aspect of our contemporary times.

For my in-depth analysis of the two camps, see the link here.

Trying To Keep Evil Away

We can certainly root for the upbeat side of advanced AI. Perhaps AGI will be our closest friend, while the pesky and futuristic ASI will be the evil destroyer. The overall sense is that we are likely to attain AGI first before we arrive at ASI.

ASI might take a long time to devise. But maybe the length of time will be a lot shorter than we envision if AGI will support our ASI ambitions. I’ve discussed that AGI might not be especially keen on us arriving at ASI, thus there isn’t any guarantee that AGI will willingly help propel us toward ASI, see my analysis at the link here.

The bottom line is that we cannot reasonably bet our lives that the likely first arrival, namely AGI, is going to be a bundle of goodness. There is an equally plausible chance that AGI could be an evildoer. Or that AGI will be half good and half bad. Who knows? It could be 1% bad, 99% good, which is a nice dreamy happy face perspective. That being said, AGI could be 1% good and 99% bad.

Efforts are underway to try and prevent AGI from turning out to be evil.

Conventional AI already has demonstrated that it is capable of deceptive practices, and even ready to perform blackmail and extortion (see my discussion at the link here). Maybe we can find ways to stop conventional AI from those woes and then use those same approaches to keep AGI on the upright path to abundant decency and high virtue.

That’s where AI ethics and AI laws come into the big picture.

The hope is that we can get AI makers and AI developers to adopt AI ethics techniques and abide by AI-devising legal guidelines so that current-era AI will stay within suitable bounds. By setting conventional AI on a proper trajectory, AGI might come out in the same upside manner.

AI Ethics And AI Laws

There is an abundance of conventional AI ethics frameworks that AI builders can choose from.

For example, the United Nations has an extensive AI ethics methodology (see my coverage at the link here), the NIST has a robust AI risk management scheme (see my coverage at the link here), and so on. They are easy to find. There isn’t an excuse anymore that an AI maker has nothing available to provide AI ethics guidance. Plenty of AI ethics frameworks exist and are readily available.

Sadly, some AI makers don’t care about such practices and see them as impediments to making fast progress in AI. It is the classic belief that it is better to ask forgiveness than to get permission. A concern with this mindset is that we could end up with AGI which has a full-on x-risk, after which things will be far beyond our ability to prevent catastrophe.

AI makers should also be keeping tabs on the numerous new AI laws that are being established and that are rapidly emerging, see my discussion at the link here. AI laws are considered the hard or tough side of regulating AI since laws usually have sharp teeth, while AI ethics is construed as the softer side of AI governance due to typically being of a voluntary nature.

From AI To AGI Ethics Checklist

We can stratify the advent of AGI into three handy stages:

  • (1) Pre-AGI. This includes today’s conventional AI and the rest of the pathway up to attaining AGI.
  • (2) Attained-AGI. This would be the time at which AGI has been actually achieved.
  • (3) Post-AGI. This is after AGI has been attained and we are dealing with an AGI era upon us.

I propose here a helpful AGI Ethics Checklist that would be applicable across all three stages. I’ve constructed the checklist by considering the myriads of conventional AI versions and tried to boost and adjust to accommodate the nature of the envisioned AGI.

To keep the AGI Ethics Checklist usable for practitioners, I opted to focus on the key factors that AGI warrants. The numbering of the checklist items is only for convenience of reference and does not denote any semblance of priority. They are all important. Generally speaking, they are all equally deserving of attention.

Here then is my overarching AGI Ethics Checklist:

  • (1) AGI Alignment and Safety Policies. Key question: How can we ensure that AGI acts in ways that are beneficial to humanity and avoid catastrophic risks (which, in the main, entail alignment with human values, and the safety of humankind)?
  • (2) AGI Regulations and Governance Policies.Key question: What is the impact of AGI-related regulations such as new laws, existing laws, etc., and the emergence of efforts to instill AI governance modalities into the path to and attainment of AGI?
  • (3) AGI Intellectual Property (IP) and Open Access Policies. Key question: In what ways will IP laws restrict or empower the advent of AGI, and likewise, how will open source versus closed source have an impact on AGI?
  • (4) AGI Economic Impacts and Labor Displacement Policies. Key question: How will AGI and the pathway to AGI have economic impacts on society, including for example labor displacement?
  • (5) AGI National Security and Geopolitical Competition Policies. Key question: How will AGI have impacts on national security such as bolstering the security and sovereignty of some nations and undermining other nations, and how will the geopolitical landscape be altered for those nations that are pursuing AGI or that attain AGI versus those that are not?
  • (6) AGI Ethical Use and Moral Status Policies. Key question: How will the use of AGI in unethical ways impact the pathway and advent of AGI, how would positive ethical uses that are encoded into AGI be of benefit or detriment, and in what way would recognizing AGI as having legal personhood or moral status be an impact?
  • (7) AGI Transparency and Explainability Policies. Key question: How will the degree of AGI transparency and interpretability or explainability impact the pathway and attainment of AGI?
  • (8) AGI Control, Containment, and “Off-Switch” Policies. Key question: A societal concern is whether AGI can be controlled, and/or contained, and whether an off-switch or deactivation mechanism will be possible or might be defeated and readily overtaken by AGI (so-called runaway AGI) – what impact do these considerations have on the pathway and attainment of AGI?
  • (9) AGI Societal Trust and Public Engagement Policies. Key question: During the pathway and the attainment of AGI, what impact will societal trust in AI and public engagement have, especially when considering potential misinformation and disinformation about AGI (along with secrecy associated with the development of AGI)?
  • (10) AGI Existential Risk Management Policies. Key question: A high-profile worry is that AGI will lead to human extinction or human enslavement – what impact will this have on the pathway and attainment of AGI?

In my upcoming column postings, I will delve deeply into each of the ten. This is the 30,000-foot level or top-level perspective.

Related Useful Research

For those further interested in the overall topic of AI Ethics checklists, a recent meta-analysis examined a large array of conventional AI checklists to see what they have in common, along with their differences. Furthermore, a notable aim of the study was to try and assess the practical nature of such checklists.

The research article is entitled “The Rise Of Checkbox AI Ethics: A Review” by Sara Kijewski, Elettra Ronchi, and Effy Vayena, AI and Ethics, May 2025, and proffered these salient points (excerpts):

  • “We identified a sizeable and highly heterogeneous body of different practical approaches to help guide ethical implementation.”
  • “These include not only tools, checklists, procedures, methods, and techniques but also a range of far more general approaches that require interpretation and adaptation such as for research and ethical training/education as well as for designing ex-post auditing and assessment processes.”
  • “Together, this body of approaches reflects the varying perspectives on what is needed to implement ethics in the different steps across the whole AI system lifecycle from development to deployment.”

Another insightful research study delves into the specifics of AGI-oriented AI ethics and societal implications, doing so in a published paper entitled “Navigating Artificial General Intelligence (AGI): Societal Implications, Ethical Considerations, and Governance Strategies” by Dileesh Chandra Bikkasani, AI and Ethics, May 2025, which made these key points (excerpts):

  • “Artificial General Intelligence (AGI) represents a pivotal advancement in AI with far-reaching implications across technological, ethical, and societal domains.”
  • “This paper addresses the following: (1) an in‐depth assessment of AGI’s transformative potential across different sectors and its multifaceted implications, including significant financial impacts like workforce disruption, income inequality, productivity gains, and potential systemic risks; (2) an examination of critical ethical considerations, including transparency and accountability, complex ethical dilemmas and societal impact; (3) a detailed analysis of privacy, legal and policy implications, particularly in intellectual property and liability, and (4) a proposed governance framework to ensure responsible AGI development and deployment.”
  • “Additionally, the paper explores and addresses AGI’s political implications, including national security and potential misuse.”

What’s Coming Next

Admittedly, getting AI makers to focus on AI ethics for conventional AI is already an uphill battle. Trying to add to their attention the similar but adjusted facets associated with AGI is certainly going to be as much of a climb and probably even harder to promote.

One way or another, it is imperative and requires keen commitment.

We need to simultaneously focus on the near-term and deal with the AI ethics of conventional AI, while also giving due diligence to AGI ethics associated with the somewhat longer-term attainment of AGI. When I refer to the longer term, there is a great deal of debate about how far off in the future AGI attainment will happen. AI luminaries are brazenly predicting AGI within the next few years, while most surveys of a broad spectrum of AI experts land on the year 2040 as the more likely AGI attainment date.

Whether AGI is a few years away or perhaps fifteen years away, it is nonetheless a matter of vital urgency and the years ahead are going to slip by very quickly.

Eleanor Roosevelt eloquently made this famous remark about time: “Tomorrow is a mystery. Today is a gift. That is why it is called the present.” We need to be thinking about and acting upon AGI Ethics right now, presently, or else the future is going to be a mystery that is resolved in a means we all will find entirely and dejectedly unwelcome.



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Ethics & Policy

How Nonprofits Can Harness AI Without Losing Their Mission

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Artificial intelligence is reshaping industries at a staggering pace, with nonprofit leaders now facing the same challenges and opportunities as their corporate counterparts. According to a Harvard Business Review study of 100 companies deploying generative AI, four strategic archetypes are emerging—ranging from bold innovators to disciplined integrators. For nonprofits, the stakes are even higher: harnessing AI effectively can unlock access, equity, and efficiency in ways that directly impact communities.

How can mission-driven organizations adopt emerging technologies without compromising their purpose? And what lessons can for-profit leaders learn from nonprofits already navigating this balance of ethics, empowerment, and revenue accountability?

Welcome to While You Were Working, brought to you by Rogue Marketing. In this episode, host Chip Rosales sits down with futurist and technologist Nicki Purcell, Chief Technology Officer at Morgan’s. Their conversation spans the future of AI in nonprofits, the role of inclusivity in innovation, and why rigor and curiosity must guide leaders through rapid change.

The conversation delves into…

  • Empowerment over isolation: Purcell shares how Morgan’s embeds accessibility into every initiative, ensuring technology empowers both employees and guests across its inclusive parks, hotels, and community spaces.

  • Revenue with purpose: She explains how nonprofits can apply for-profit rigor—like quarterly discipline and expense analysis—while balancing the complexities of donor, grant, and state funding.

  • AI as a nonprofit advantage: Purcell argues that AI’s efficiency and cost-cutting potential makes it essential for nonprofits, while stressing the importance of ethics, especially around disability inclusion and data privacy.

Article written by MarketScale.



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