Mayowa J Akinwande | Austin Peay State University (original) (raw)
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Papers by Mayowa J Akinwande
arXiv (Cornell University), Oct 8, 2023
This paper provides a comprehensive examination of the evolution of credit cards in the United St... more This paper provides a comprehensive examination of the evolution of credit cards in the United States, tracing their historical development, causes, consequences, and impact on both individuals and the economy. It delves into the transformation of credit cards from specialized merchant cards to ubiquitous financial tools, driven by legal changes like the Marquette decision. Credit card debt has emerged as a significant financial challenge for many Americans due to economic factors, consumerism, high healthcare costs, and financial illiteracy. The consequences of this debt on individuals are extensive, affecting their financial well-being, credit scores, savings, and even their physical and mental health. On a larger scale, credit cards stimulate consumer spending, drive e-commerce growth, and generate revenue for financial institutions, but they can also contribute to economic instability if not managed responsibly. The paper emphasizes various strategies to prevent and manage credit card debt, including financial education, budgeting, responsible credit card uses, and professional counselling. Empirical studies support the relationship between credit card debt and factors such as financial literacy and consumer behavior. Regression analysis reveals that personal consumption and GDP positively impacts credit card debt indicating that responsible management is essential. The paper offers comprehensive recommendations for addressing credit card debt challenges and maximizing the benefits of credit card usage, encompassing financial education, policy reforms, and public awareness campaigns. These recommendations aim to transform credit cards into tools that empower individuals financially and contribute to economic stability, rather than sources of financial stress.
International Journal on Cybernetics & Informatics, 2024
This research explores the nuanced differences in texts produced by AI and those written by human... more This research explores the nuanced differences in texts produced by AI and those written by humans, aiming to elucidate how language is expressed differently by AI and humans. Through comprehensive statistical data analysis, the study investigates various linguistic traits, patterns of creativity, and potential biases inherent in human-written and AIgenerated texts. The significance of this research lies in its contribution to understanding AI's creative capabilities and its impact on literature, communication, and societal frameworks. By examining a meticulously curated dataset comprising 500K essays spanning diverse topics and genres, generated by LLMs, or written by humans, the study uncovers the deeper layers of linguistic expression and provides insights into the cognitive processes underlying both AI and human-driven textual compositions. The analysis revealed that human-authored essays tend to have a higher total word count on average than AI-generated essays but have a shorter average word length compared to AIgenerated essays, and while both groups exhibit high levels of fluency, the vocabulary diversity of Human authored content is higher than AI generated content. However, AIgenerated essays show a slightly higher level of novelty, suggesting the potential for generating more original content through AI systems. The study also identifies a lower prevalence of gender bias in AI-generated texts but a higher presence of biased topics overall. These findings highlight the strengths and limitations of AI in text generation and the importance of considering multiple approaches for comprehensive analysis. The paper addresses challenges in assessing the language generation capabilities of AI models and emphasizes the importance of datasets that reflect the complexities of human-AI collaborative writing. Through systematic preprocessing and rigorous statistical analysis, this study offers valuable insights into the evolving landscape of AI-generated content and informs future developments in natural language processing (NLP).
This research explores the nuanced differences in texts produced by AI and those written by human... more This research explores the nuanced differences in texts produced by AI and those written by humans, aiming to elucidate how language is expressed differently by AI and humans. Through comprehensive statistical data analysis, the study investigates various linguistic traits, patterns of creativity, and potential biases inherent in human-written and AIgenerated texts. The significance of this research lies in its contribution to understanding AI's creative capabilities and its impact on literature, communication, and societal frameworks. By examining a meticulously curated dataset comprising 500K essays spanning diverse topics and genres, generated by LLMs, or written by humans, the study uncovers the deeper layers of linguistic expression and provides insights into the cognitive processes underlying both AI and human-driven textual compositions. The analysis revealed that human-authored essays tend to have a higher total word count on average than AI-generated essays but have a shorter average word length compared to AIgenerated essays, and while both groups exhibit high levels of fluency, the vocabulary diversity of Human authored content is higher than AI generated content. However, AIgenerated essays show a slightly higher level of novelty, suggesting the potential for generating more original content through AI systems. The study also identifies a lower prevalence of gender bias in AI-generated texts but a higher presence of biased topics overall. These findings highlight the strengths and limitations of AI in text generation and the importance of considering multiple approaches for comprehensive analysis. The paper addresses challenges in assessing the language generation capabilities of AI models and emphasizes the importance of datasets that reflect the complexities of human-AI collaborative writing. Through systematic preprocessing and rigorous statistical analysis, this study offers valuable insights into the evolving landscape of AI-generated content and informs future developments in natural language processing (NLP).
Computer Science & Information Technology (CS & IT), 2024
This paper provides a comprehensive examination of the evolution of credit cards in the United St... more This paper provides a comprehensive examination of the evolution of credit cards in the United States, tracing their historical development, causes, consequences, and impact on both individuals and the economy. It delves into the transformation of credit cards from specialized merchant cards to ubiquitous financial tools, driven by legal changes like the Marquette decision. Credit card debt has emerged as a significant financial challenge for many Americans due to economic factors, consumerism, high healthcare costs, and financial illiteracy. The consequences of this debt on individuals are extensive, affecting their financial well-being, credit scores, savings, and even their physical and mental health. On a larger scale, credit cards stimulate consumer spending, drive e-commerce growth, and generate revenue for financial institutions, but they can also contribute to economic instability if not managed responsibly. The paper emphasizes various strategies to prevent and manage credit card debt, including financial education, budgeting, responsible credit card uses, and professional counselling. Empirical studies support the relationship between credit card debt and factors such as financial literacy and consumer behavior. Regression analysis reveals that personal consumption and GDP positively impacts credit card debt indicating that responsible management is essential. The paper offers comprehensive recommendations for addressing credit card debt challenges and maximizing the benefits of credit card usage, encompassing financial education, policy reforms, and public awareness campaigns. These recommendations aim to transform credit cards into tools that empower individuals financially and contribute to economic stability, rather than sources of financial stress.
Computer Science & Information Technology (CS & IT), 2024
This research explores the consequences of AI integration in the labor market. As AI shapes vario... more This research explores the consequences of AI integration in the labor market. As AI shapes various industries, it brings a dual impact: displacing some jobs while creating others. The automation driven by AI could be a threat to routine tasks, potentially leading to the displacement of specific roles within the routine tasks. However, AI also creates new job opportunities, particularly in AI development and related fields. This study aims to analyze the multifaceted impact of AI on US jobs, considering displacement, creation, and skills. The research considered the following aspects: Evaluation of job displacement and creation, skill shifts, the quality of AI's impact on performance, and exploring the relationship between AI models and human tasks. We were able to show AI's influence on the tasks performed by humans. The negative relationship between AI influence and tasks performed by humans shows that AI indeed has a notable and statistically significant adverse impact on human-performed tasks. We discovered that as AI technology advances and becomes more prevalent, certain tasks and roles traditionally carried out by humans are being automated or replaced by machines. Also, we were able to show the relationship between the AI model and human-performed tasks. It was found that AI models exhibit a substantial and statistically significant positive relationship with tasks performed by humans. Our findings suggest a more optimistic outlook for the labor market, where rather than displacing jobs and workers, AI technologies have the potential to enhance their capabilities and create new opportunities.
International Journal on Cybernetics & Informatics, 2023
This study is focused on the ethics of Artificial Intelligence and its application in the United ... more This study is focused on the ethics of Artificial Intelligence and its application in the United States, the paper highlights the impact AI has in every sector of the US economy and multiple facets of the technological space and the resultant effect on entities spanning businesses, government, academia, and civil society. There is a need for ethical considerations as these entities are beginning to depend on AI for delivering various crucial tasks, which immensely influence their operations, decision-making, and interactions with each other. The adoption of ethical principles, guidelines, and standards of work is therefore required throughout the entire process of AI development, deployment, and usage to ensure responsible and ethical AI practices. Our discussion explores eleven fundamental 'ethical principles' structured as overarching themes.
arXiv (Cornell University), Oct 8, 2023
This paper provides a comprehensive examination of the evolution of credit cards in the United St... more This paper provides a comprehensive examination of the evolution of credit cards in the United States, tracing their historical development, causes, consequences, and impact on both individuals and the economy. It delves into the transformation of credit cards from specialized merchant cards to ubiquitous financial tools, driven by legal changes like the Marquette decision. Credit card debt has emerged as a significant financial challenge for many Americans due to economic factors, consumerism, high healthcare costs, and financial illiteracy. The consequences of this debt on individuals are extensive, affecting their financial well-being, credit scores, savings, and even their physical and mental health. On a larger scale, credit cards stimulate consumer spending, drive e-commerce growth, and generate revenue for financial institutions, but they can also contribute to economic instability if not managed responsibly. The paper emphasizes various strategies to prevent and manage credit card debt, including financial education, budgeting, responsible credit card uses, and professional counselling. Empirical studies support the relationship between credit card debt and factors such as financial literacy and consumer behavior. Regression analysis reveals that personal consumption and GDP positively impacts credit card debt indicating that responsible management is essential. The paper offers comprehensive recommendations for addressing credit card debt challenges and maximizing the benefits of credit card usage, encompassing financial education, policy reforms, and public awareness campaigns. These recommendations aim to transform credit cards into tools that empower individuals financially and contribute to economic stability, rather than sources of financial stress.
International Journal on Cybernetics & Informatics, 2024
This research explores the nuanced differences in texts produced by AI and those written by human... more This research explores the nuanced differences in texts produced by AI and those written by humans, aiming to elucidate how language is expressed differently by AI and humans. Through comprehensive statistical data analysis, the study investigates various linguistic traits, patterns of creativity, and potential biases inherent in human-written and AIgenerated texts. The significance of this research lies in its contribution to understanding AI's creative capabilities and its impact on literature, communication, and societal frameworks. By examining a meticulously curated dataset comprising 500K essays spanning diverse topics and genres, generated by LLMs, or written by humans, the study uncovers the deeper layers of linguistic expression and provides insights into the cognitive processes underlying both AI and human-driven textual compositions. The analysis revealed that human-authored essays tend to have a higher total word count on average than AI-generated essays but have a shorter average word length compared to AIgenerated essays, and while both groups exhibit high levels of fluency, the vocabulary diversity of Human authored content is higher than AI generated content. However, AIgenerated essays show a slightly higher level of novelty, suggesting the potential for generating more original content through AI systems. The study also identifies a lower prevalence of gender bias in AI-generated texts but a higher presence of biased topics overall. These findings highlight the strengths and limitations of AI in text generation and the importance of considering multiple approaches for comprehensive analysis. The paper addresses challenges in assessing the language generation capabilities of AI models and emphasizes the importance of datasets that reflect the complexities of human-AI collaborative writing. Through systematic preprocessing and rigorous statistical analysis, this study offers valuable insights into the evolving landscape of AI-generated content and informs future developments in natural language processing (NLP).
This research explores the nuanced differences in texts produced by AI and those written by human... more This research explores the nuanced differences in texts produced by AI and those written by humans, aiming to elucidate how language is expressed differently by AI and humans. Through comprehensive statistical data analysis, the study investigates various linguistic traits, patterns of creativity, and potential biases inherent in human-written and AIgenerated texts. The significance of this research lies in its contribution to understanding AI's creative capabilities and its impact on literature, communication, and societal frameworks. By examining a meticulously curated dataset comprising 500K essays spanning diverse topics and genres, generated by LLMs, or written by humans, the study uncovers the deeper layers of linguistic expression and provides insights into the cognitive processes underlying both AI and human-driven textual compositions. The analysis revealed that human-authored essays tend to have a higher total word count on average than AI-generated essays but have a shorter average word length compared to AIgenerated essays, and while both groups exhibit high levels of fluency, the vocabulary diversity of Human authored content is higher than AI generated content. However, AIgenerated essays show a slightly higher level of novelty, suggesting the potential for generating more original content through AI systems. The study also identifies a lower prevalence of gender bias in AI-generated texts but a higher presence of biased topics overall. These findings highlight the strengths and limitations of AI in text generation and the importance of considering multiple approaches for comprehensive analysis. The paper addresses challenges in assessing the language generation capabilities of AI models and emphasizes the importance of datasets that reflect the complexities of human-AI collaborative writing. Through systematic preprocessing and rigorous statistical analysis, this study offers valuable insights into the evolving landscape of AI-generated content and informs future developments in natural language processing (NLP).
Computer Science & Information Technology (CS & IT), 2024
This paper provides a comprehensive examination of the evolution of credit cards in the United St... more This paper provides a comprehensive examination of the evolution of credit cards in the United States, tracing their historical development, causes, consequences, and impact on both individuals and the economy. It delves into the transformation of credit cards from specialized merchant cards to ubiquitous financial tools, driven by legal changes like the Marquette decision. Credit card debt has emerged as a significant financial challenge for many Americans due to economic factors, consumerism, high healthcare costs, and financial illiteracy. The consequences of this debt on individuals are extensive, affecting their financial well-being, credit scores, savings, and even their physical and mental health. On a larger scale, credit cards stimulate consumer spending, drive e-commerce growth, and generate revenue for financial institutions, but they can also contribute to economic instability if not managed responsibly. The paper emphasizes various strategies to prevent and manage credit card debt, including financial education, budgeting, responsible credit card uses, and professional counselling. Empirical studies support the relationship between credit card debt and factors such as financial literacy and consumer behavior. Regression analysis reveals that personal consumption and GDP positively impacts credit card debt indicating that responsible management is essential. The paper offers comprehensive recommendations for addressing credit card debt challenges and maximizing the benefits of credit card usage, encompassing financial education, policy reforms, and public awareness campaigns. These recommendations aim to transform credit cards into tools that empower individuals financially and contribute to economic stability, rather than sources of financial stress.
Computer Science & Information Technology (CS & IT), 2024
This research explores the consequences of AI integration in the labor market. As AI shapes vario... more This research explores the consequences of AI integration in the labor market. As AI shapes various industries, it brings a dual impact: displacing some jobs while creating others. The automation driven by AI could be a threat to routine tasks, potentially leading to the displacement of specific roles within the routine tasks. However, AI also creates new job opportunities, particularly in AI development and related fields. This study aims to analyze the multifaceted impact of AI on US jobs, considering displacement, creation, and skills. The research considered the following aspects: Evaluation of job displacement and creation, skill shifts, the quality of AI's impact on performance, and exploring the relationship between AI models and human tasks. We were able to show AI's influence on the tasks performed by humans. The negative relationship between AI influence and tasks performed by humans shows that AI indeed has a notable and statistically significant adverse impact on human-performed tasks. We discovered that as AI technology advances and becomes more prevalent, certain tasks and roles traditionally carried out by humans are being automated or replaced by machines. Also, we were able to show the relationship between the AI model and human-performed tasks. It was found that AI models exhibit a substantial and statistically significant positive relationship with tasks performed by humans. Our findings suggest a more optimistic outlook for the labor market, where rather than displacing jobs and workers, AI technologies have the potential to enhance their capabilities and create new opportunities.
International Journal on Cybernetics & Informatics, 2023
This study is focused on the ethics of Artificial Intelligence and its application in the United ... more This study is focused on the ethics of Artificial Intelligence and its application in the United States, the paper highlights the impact AI has in every sector of the US economy and multiple facets of the technological space and the resultant effect on entities spanning businesses, government, academia, and civil society. There is a need for ethical considerations as these entities are beginning to depend on AI for delivering various crucial tasks, which immensely influence their operations, decision-making, and interactions with each other. The adoption of ethical principles, guidelines, and standards of work is therefore required throughout the entire process of AI development, deployment, and usage to ensure responsible and ethical AI practices. Our discussion explores eleven fundamental 'ethical principles' structured as overarching themes.