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Technology & AI

How AI tools work and when to trust them, the security basics everyone should use, and every technology guide on FintechZoom Pro: AI, cybersecurity and privacy, software, and gadgets and media.

By (editorial team)Published Sources

Big tech and chipmakers today

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  • Apple
  • Microsoft
  • Alphabet
  • Amazon
  • Meta
  • Nvidia
  • AMD
  • Broadcom
  • TSMC
  • Intel

The companies building AI and the chips behind it, for context, not as recommendations. Quotes can be delayed. Stock guides:Nvidia, Microsoft, Apple.

How generative AI produces an answer

A simplified walk-through of what happens when you type into a chatbot.

Step 1 of 5: Training on large amounts of data

A large language model learns statistical patterns from huge collections of text (and, for image or video models, pictures and clips). It learns which words tend to follow others in which contexts.

Step 2 of 5: Your prompt is split into tokens

Text is broken into small pieces called tokens, often parts of words. The model reads your prompt plus the conversation so far.

Step 3 of 5: It predicts the next token, again and again

The model picks a likely next token, adds it, and repeats until the answer is complete. It does not look facts up unless the tool is connected to search or documents.

Step 4 of 5: Why it can be confidently wrong

Because the output is a prediction of plausible text, it can invent facts, figures or sources ("hallucinations"). Always verify anything important, especially money, health and legal matters.

Step 5 of 5: Tools built on top

Assistants, writing tools, image and video generators. See the AI tools hub, AI helper vs virtual assistant and AI video tools.

Four security basics

The four steps the US cybersecurity agency CISA recommends to everyone.

Strong passwords

Use long, unique passwords for every account and a password manager to remember them. Try the password strength visual in the cybersecurity hub.

Multi-factor authentication

Turn on MFA, especially for email, banking and social media, so a stolen password alone is not enough.

Recognise phishing

Be suspicious of urgent messages asking you to click, pay or log in. Go to the site directly instead. See secure browsing.

Update software

Turn on automatic updates for devices and apps; updates fix security holes attackers use. See mobile security.

Using AI tools responsibly

AI tools can save time on drafting, summarising and coding, but they make mistakes and may store what you type. Frameworks such as NIST's AI Risk Management Framework and the OECD AI Principles stress accuracy, transparency, privacy and human oversight. See editing AI text andwhat the AI eyewear boom means for investors.

AI checklist

Before you rely on an AI answer

0 of 5 Treat AI output as a first draft, not a fact.

All Technology & AI guides (75)

Every article in this topic, A to Z.

AI Tools

Cybersecurity & Privacy

Software & Development

Gadgets, Media & Gaming

Related hubs

Topics readers of Technology & AI often explore next.

Sources

  1. Secure Our World (U.S. Cybersecurity and Infrastructure Security Agency (CISA))
  2. AI Risk Management Framework (NIST)
  3. How to recognize and avoid phishing scams (U.S. Federal Trade Commission)
  4. Top tips for staying secure online (UK National Cyber Security Centre)
  5. OECD AI Principles (OECD)
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