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A financial institution wants to automate individual credit decisions. What are the main advantages of applying AI/ML?
①AI/ML should be avoided because they are always prohibited by regulations.
②Sufficient accuracy can be achieved using only rule-based methods for educational background and occupation.
③AI/ML can make intuitive judgments without data.
④Can learn nonlinear relationships from diverse customer attributes and histories and estimate credit risk with high accuracy.
⑤After implementation, confirmation by experts will be completely unnecessary.