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CS Professional · Artificial Intelligence, Data Analytics and Cyber Security - Laws and Practice · Artificial Intelligence - Introduction and Basics

A Mumbai-based lender builds a system that learns patterns from thousands of past loan files and then predicts whether a new applicant is likely to default, without being given explicit if-then rules for each case. Which field of AI does this approach primarily belong to?

The system is machine learning. It learns patterns from past loan data and predicts default for new applicants without explicit programmed rules. Rule-based expert systems, scripted automation and database queries do not learn from data, so they do not describe this approach.

  1. AMachine learningCorrect
  2. BExpert system with fixed rule base
  3. CRobotic process automation using scripts
  4. DRelational database querying

Explanation

The system derives patterns from historical data and applies them to new cases without hand-coded rules, which is the defining feature of machine learning. An expert system relies on rules written by humans, so it is not the right fit. RPA and database queries do not learn from data.

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