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cover of episode How Screens Are Taking Over Classrooms

How Screens Are Taking Over Classrooms

2025/1/23
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WSJ Tech News Briefing

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Richard Vandervoort
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Sarah Randazzo
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我研究了人工智能在金融合规领域的应用,发现其主要目标是解决金融机构在处理海量数据时难以发现内幕交易等金融犯罪的问题。传统方法依赖人工筛查,效率低下,而人工智能可以简化并自动化这一流程,减少人力成本。人工智能可以识别交易员使用的金融术语和暗语,以及表情符号等隐蔽的代码语言,从而发现传统系统难以捕捉的潜在金融犯罪行为。然而,使用人工智能工具也存在一些风险,例如算法偏差和缺乏可解释性。算法偏差可能导致系统在自动化过程中复制和放大现有偏见,而缺乏可解释性则使得监管机构难以理解人工智能模型的决策过程。这些风险需要引起监管机构和金融机构的高度重视。

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Welcome to Tech News Briefing. It's Thursday, January 23rd. I'm Julie Chang for The Wall Street Journal.

Could artificial intelligence learn to speak financial jargon? Compliance companies say they've cracked the code and are using the tech to fight insider trading and other financial crimes. Plus, screens are becoming a bigger part of the school day in classrooms across the country, accelerated by the COVID pandemic. But has more tech in classes benefited learning? We'll dive into that.

But first, catching insider trading tends to be challenging because of all the financial jargon used by Wall Street traders. Now, companies that make compliance software are pitching generative AI to firms saying the tools could help combat financial crime.

Risk and Compliance Journal reporter Richard Vandervoort has been looking into this and he joins me now. Richard, what problem are AI-compliant software companies looking to address here? Banks and other kinds of financial institutions create a large amount of communications data, obviously because they have thousands of employees. And the compliance staff have to sift through that to see if there's any evidence of market manipulation or insider trading or any other kind of financial crime.

And in the past, this had been done by frontline staff using pretty rudimentary computer tools, looking for maybe a word like insider trading, if someone would say that, and then someone manually reviews it. And the promise of AI in this context is that it could simplify and maybe automate some of this work and also potentially make it so that the bank or other institution doesn't have to hire as many compliance staff going forward.

What are some of the jargon or code words that traders use? There's one example I was given. Someone would say something like, let's throw some chum in the water. And that's a reference to spoofing. But a traditional system wouldn't catch it because there's no word in there that indicates like a crime could be occurring. Chum is not something you would want to flag because you'd have way too many false positives. But an AI system might be able to catch this and say, oh, this looks like spoofing or it could be spoofing.

The systems can also potentially catch emojis being used or other ways to use code language as the technology to screen these communications has gotten better. Duplicitous traders have gotten more sophisticated about

saying things in code, maybe just responding with an emoji. And it would be very hard to catch with a traditional compliance system, but an AI-powered system could potentially say, oh, I think they're actually talking about something suspicious or that indicates a potential financial crime. Are there any downsides or risks to using these AI tools? Yes, there are some. The regulators in general

in the United States and Europe are really cautious about using AI. A big risk that has come up in lots of different AI contexts is bias, that you might inadvertently train an AI on data that incorporates some kind of bias, whether it's like a racial bias or gender bias or any other kind of bias. And now you're using it to automate a process so it's replicating that bias at scale. That's something regulators

really worry about in any kind of context, not just finance. Regulators also want to know how it works. So there's a principle called explainability where the firms using it have to be confident they can explain how

how the model produced the results it produced. It can't just be like a black box and, oh, we trust it because it's always worked in the past. That was Risk and Compliance Journal reporter Richard Vandervoort. Coming up, the pandemic led to more tech in classrooms. But while we're past the pandemic, the tech stayed. What that means for student learning. That's after the break. ♪

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Class time has become screen time in schools across the country. Use of tech in classes was already growing when it was accelerated by the COVID pandemic. Students were sent home and classrooms went online. WSJ education reporter Sarah Randazzo has been covering the rapid tech transformation playing out in American schools. She says the shift has happened with little debate, conflicting research, and high stakes for the nation's children.

Sarah, can you put into context what the shift to more tech in schools looks like? Yeah, so this has really been a years-long progression. You know, when you and I were in school, maybe we had a computer lab, maybe there were some computers in the classroom, but really most things were rooted in paper, pencil,

maybe some smart boards, basic technology. These days, especially post-COVID, every student pretty much in America has their own device, whether it's a tablet or a Chromebook. Sometimes they take those back and forth with them. Sometimes they sit in the classroom and they have another set at home. But really, the shift has become that doing things on the screen is more of a default than the paper and pencil method we grew up with.

Do we know on average how much time students are spending on screens every day? Yeah, so we had a company called Lightspeed Systems analyze tons of data that they have on the use of school-issued devices that students have. And so they found that the time spent on devices peaks at two hours and 24 minutes daily in sixth grade. And at first you might think, okay, two and a half hours, you know, that's

The day is long, but that's about 35% of instructional time that we found. So really, about a third of a student's day in sixth grade is on a device. And it went up and down based on the grade, and it's showing more and more of the school day is being used on screens. Overall, in the light speed analysis, they found that from grades 1 through 12, students are spending an average of 98 minutes on school-issued devices, and that's about 20% or more of the average instructional time in the school day.

How are teachers integrating technology into their classrooms and lessons other than, you know, the obvious ways of having students submit their work on laptops? Yeah, so I've been visiting a lot of classrooms this school year, and it's pretty remarkable the ways that technology can get woven into the day. I was in a high school Spanish class, for instance, where the entire day was guided by what was on the screen. And so basically teachers create

oftentimes essentially a PowerPoint slide where they go from one thing to the next guided by the tech. And so one slide will say, okay, we're going to do a vocab quiz. And so the students will do a quiz. The next slide will say, okay, now everyone type in in Spanish what you did this summer. And then it'll get shared with everyone else in the class. And then the next slide will be a video that they pull up showing the

Spanish being spoken in another country to give a worldview. And then the next thing they switch to will be a game that the students then play. And so there's really just a zillion apps that teachers are sorting through these days, for better or worse. Some are getting a little overwhelmed, but they can incorporate it in everything from writing exercises to tests to giving essay feedback to doing group work. Really, almost every part of the school day you could imagine could have a tech component.

And there are many stakeholders in this conversation, but I want to hone in on three of them. Teachers, parents, students, one by one. Let's start with teachers. What have they said about the use of screens in schools?

Teachers are definitely mixed. They're the ones who are bearing the brunt of figuring out how to incorporate the technology. They do get some guidance from on high, but really it's each teacher in their classroom trying to figure it out. And so for some, they say it's really revolutionized things because they can bring students into other worlds in ways that they couldn't before. They can literally have students diving around on a map and just learning more about other things that just weren't as possible in a textbook and can do really creative things. Students can be more visual, create more

create a video instead of writing an essay, that kind of thing. But at the same time, teachers say managing all this is difficult. As you and I know, when you have something in front of you, you're looking at it, you're texting, you're trying to sneak in, checking your email, playing a game. It's the same with students. When they have the Chromebooks up, they can just go on the internet. And so...

It's essentially this constant ebb and flow of managing the students getting too distracted with it and then trying to utilize it for the good and creative uses that are possible with it. And what have parents said? Yeah, parents are also like everything a bit mixed. We spoke to some parents who are really pushing back and trying to opt their students out of tech altogether or get their districts to change policies. So one woman I spoke to really worked closely with her district in Oregon and presented a

plan to them and said, here's some things we could do to scale back. They took some suggestions, didn't take others. Overall, we've seen some surveys where parents say they're okay with the use of tech, but then also have issues with the amount of screen time. In one survey, for instance,

that we looked at, about three in four parents said that computer use was having a positive effect on their child's learning. But in another survey, 40% of parents said kids spent too much time on screens. So again, they're seeing some benefits, but then just cumulatively, it's suddenly like, whoa, whoa, whoa, this is now a lot of screen time happening.

How about the students? What have they said about the use of screens? Yeah, so we spoke to students across the country in different places, and some of them said, this is getting to be a little too much. I get fatigue. I get headaches from looking at the screen so much. You know, my eyes get tired. I'd rather just take notes with paper. Others told us, hey, it's easier to turn in assignments. It's easier to keep track of homework. We're on technology all the time anyway, so it makes sense that it's being used in schools.

Sarah, what does the research say on the use of screens in classrooms? Yeah, there's not a ton out there right now that shows technology boosts kids' education. The research is pretty mixed and I'd say remains unsettled. For instance, one review we looked at of 24 studies looked at whether college students retain more information when they take notes by hand versus on a computer, and they found that the note-taking by hand won out. That's one very specific use of tech versus paper.

The companies selling these products, you know, there's zillions of them, they often put out research that they say shows, oh, use our product and your kids will score this much better on tests. But when we dive into that research, a lot of it is a little shaky and a lot of it is sponsored by the companies putting it out. So it's a little biased in that sense that a company is biased.

Where have screens in classrooms been the most helpful?

There's a lot of places where they're helpful, certainly, especially in lower income districts. Schools are saying that these are really a great equalizer. Families who couldn't afford to buy devices on their own now really are benefiting from money that schools have to give devices to students. And so in that sense, it's really helped pretty much every student in America have access to technology, whereas maybe before it would have leaned more toward higher socioeconomic classes. That was WSJ education reporter Sarah Randazzo.

And that's it for Tech News Briefing. Today's show was produced by me, Julie Chang, with supervising producer Catherine Millsop. We'll be back this afternoon with TNB Tech Minute. Thanks for listening.