The following article is a broad timeline of the course of events related to artificial intelligence risks in global finance. The AI boom has led to concerns including the existential risk from artificial intelligence, as the uptake on applications of artificial intelligence increases. By late 2025, global finance and artificial intelligence were "deeply intertwined". A June 2025 Menlo Ventures report raised concerns about the sustainability of future revenue and long-term profitability of AI, given the relatively low rate of consumer monetization. == 2017 == 30 NovemberThe New York Times said that new AI reports by McKinsey & Company, the National Bureau of Economic Research, and an AI Index created by university researchers, indicated an early AI boom. The Index built on a project—"The One Hundred Year Study on Artificial Intelligence" launched in 2014. == 2018 == 2018 was a year of incremental AI growth in finance. == 2022 == The release of ChatGPT by OpenAI became the catalyst for an artificial intelligence boom that continues to remake the global economy. According to a European Central Bank report, public interest in AI increased rapidly as evidenced with rising Google searches, AI jobs, models, patents, and innovations since late 2022. At that time Europe led the US in the size of its AI workforce. == 2023 == The regulatory body, the International Monetary Fund (IMF), published their report, "Generative Artificial Intelligence in Finance: Risk Considerations", drawing attention to oversight gaps and the need for regulations. The report explores the risks posed by using generative artificial intelligence (GenAI) systems in the financial sector including "broader risks to financial stability." == 2024 == January 12 In January 2024 Bloomberg's published its list of the "Magnificent Seven" Big Tech companies on the stock market based on their strength, size and market capitalization:Apple, Microsoft, Alphabet (Google), Amazon, Meta Platforms (Facebook), Nvidia, and Tesla. 21 June During the AI boom, Nvidia became the world's most valuable company, surpassing Microsoft, as its value increased to over US$4 trillion. In 2023 and 2024, the "Magnificent Seven" stocks were the primary drivers behind the increase in equity indexes, according to Reuters. == 2025 == === January === 23 January President Donald Trump's AI policy was announced calling for United States global leadership in artificial intelligence. The Economist noted that this politic shift in which the United States seeks "global dominance" in AI includes trimming regulations and assisting in expansion of infrastructure and increase in number of AI workers. Governments of Gulf nations were also investing trillions of dollars in AI. 27 January Against the backdrop of a tech war between China and the United States over AI dominance, within days of the launch of China's free DeepSeek App, it was the most downloaded app in the United States, rising to the first place in the Apple app store. President Trump responded immediately, saying this "sudden rise" should be a "wake-up" call to the United States, and called on US companies to be more competitive. === June === 26 June In their June 2025 report, Menlo Ventures estimated that only about 3% of consumers paid for artificial intelligence-related services, representing about $USD12 billion in annual spending. This is relatively low in contrast to the massive capital expenditure by AI infrastructure companies, which raises concerns about revenue sustainability and long-term profitability. === July === 23 July The Trump administration launched the US AI Action Plan, positioning the United States in a high-stakes technological race with China for global dominance in artificial intelligence, emphasizing that neither nation can afford to fall behind due to the exponential nature of AI advancement. The plan, a new government website and policy speech called for accelerated AI adoption across federal agencies, and a number of initiatives to make is easier for AI infrastructure expansion, and other measures to ensure American leadership in AI standards. Some leading experts warned that the administration failed to provide sufficient regulations and safeguards for AI safety. Concerns were raised about the negative impacts of cuts to research funding and tightened visa policies for scientists, potentially undermining public trust and America's ability to compete internationally. === September === 7 September The Economist cautioned that AI revenues are relatively modest compared to the high cost and investments in the creation of new data centers. Even Sam Altman, OpenAI CEO and one of the leading figures of the AI boom,, raised concerns about investors' outsized hopes for financial returns. At the same time, history has shown that new technologies, like railways and electricity, endured and spread after the initial hype faded. 12 September Economists warn that U.S. households' direct and indirect investments—mutual funds or retirement plans—in the stock market reached an unprecedented historically high level, now representing 45% of all financial assets, or about $USD51.2 trillion. Compared to the Dot-com bubble this represents a sharp increase in exposure. This makes U.S. households vulnerable to market downturns which in turn would result in decreasing consumer spending. U.S. household net worth rose to a record $176.3 trillion in the second quarter, an increase of $7.3 trillion since early 2025 and about $46 trillion higher than before the pandemic. Federal Reserve data attribute the surge primarily to gains in stock markets and housing values. However, the rise in wealth on paper coincided with increased household borrowing and growing government debt. 18 September Questions were being raised about how quickly the data centers, chips, servers, and GPUs assets of major AI companies will depreciate in value. Comparisons have been made to the Railway Mania in the aftermath of the stock market bubble where a valuable physical infrastructure remained standing, and the telecoms crash after the dot-com bubble which left fiber networks. 28 September There were warnings that record-high American stock ownership during the AI-fueled market boom is a red flag for systemic risk, as the current concentration in equities exceeds levels seen before the dot-com bubble burst in 2000, and could amplify the impact of any future stock market correction. === October === 3 October In 2025 alone, venture capitalists invested almost $USD200 billion in the artificial intelligence sector. 29 October Nvidia was the first company in the world to be valued at US$5 trillion, largely due to AI demand and strategic partnerships with leading technology and AI firms. Nvidia's increase in value was "meteoric". === November === 2 November Forbes reported that, since April, the 'Magnificent Seven' tech giants together contributed over 40% of the S&P 500's return, highlighting their outsized influence and the growing impact of AI on market valuations. CNN warned that while there is a current benefit to investors, with such a high concentration in the S&P 500, they are highly exposed to the fate of the Mag Seven. 2 November Globally there are 11,000 datacentres—huge campuses for AI infrastructure, including thousands of chips, GPUS, and servers. This represents a 500% increase over the last two decades. It is anticipated that $3USDtn more will be spent on increasing that number over the next two or three years. 5 November Concerns about the potential for a market bubble were raised as six of the AI-related Big Tech "Magnificent Seven"—that contribute to the AI boom—reported losing ground in the stock market. Global markets and artificial intelligence have become "deeply intertwined", according to a Reuters report. As of November 2025, more than 50% of the 20 largest S&P firms were deeply exposed to AI. In contrast, in 2000, the 20 S&P 500 firms represented 39% of its total value only 11 of these companies were exposed to the internet. If AI fails to deliver strong returns on their investments, these top S&P firms would be significantly impacted, according to the Economist. Analysts suggest that the AI market in 2025 may not behave like a traditional one, as investors are simultaneously aware of the risks and driven by the potential for outsized rewards. Leading AI labs may believe that the first company to achieve artificial general intelligence (AGI), when an AI system surpasses all human cognitive abilities and becomes capable of self-improvement—could dominate the future of technology and finance. While some have estimated that the potential value of such a breakthrough could be as high as $1.46 quadrillion, this figure is speculative and widely debated. 5 November Bloomberg described Nvidia's H100 Hopper-Blackwell AI chips as the "King of AI chips". Nvidia dominates the AI chip market with over 78% of the market share because of both speed and cost. According to B
MyPertamina
MyPertamina is a digital financial service platform from Pertamina that integrated with the apps LinkAja. This application is used for non-cash fuel oil payments at Pertamina's public fueling stations. == History == Originally, MyPertamina were merchandise outlets of Pertamina products. It was launched on December 21, 2016, with 3 outlets in Jakarta. MyPertamina sells clothes, hats, and other products with Pertamina products brands. One month later (January 2017), Pertamina and Bank Mandiri entered into a partnership to launch the Mandiri Credit Card Pertamina Mastercard product, so that consumers can make payments when users fill up fuel at Pertamina gas stations. In August 2017, MyPertamina app and electronic card were launched through MyPertamina Loyalty program at Gaikindo Indonesia International Auto Show 2017. The card can be used on EDC machines for non-cash payments. Initial balances are in its own app, that can be top up by ATMs and online banking.
Lexical substitution
Lexical substitution is the task of identifying a substitute for a word in the context of a clause. For instance, given the following text: "After the match, replace any remaining fluid deficit to prevent chronic dehydration throughout the tournament", a substitute of game might be given. Lexical substitution is strictly related to word sense disambiguation (WSD), in that both aim to determine the meaning of a word. However, while WSD consists of automatically assigning the appropriate sense from a fixed sense inventory, lexical substitution does not impose any constraint on which substitute to choose as the best representative for the word in context. By not prescribing the inventory, lexical substitution overcomes the issue of the granularity of sense distinctions and provides a level playing field for automatic systems that automatically acquire word senses (a task referred to as Word Sense Induction). == Evaluation == In order to evaluate automatic systems on lexical substitution, a task was organized at the Semeval-2007 evaluation competition held in Prague in 2007. A Semeval-2010 task on cross-lingual lexical substitution has also taken place. == Skip-gram model == The skip-gram model takes words with similar meanings into a vector space (collection of objects that can be added together and multiplied by numbers) that are found close to each other in N-dimensions (list of items). A variety of neural networks (computer system modeled after a human brain) are formed together as a result of the vectors and networks that are related together. This all occurs in the dimensions of the vocabulary that has been generated in a network. The model has been used in lexical substitution automation and prediction algorithms. One such algorithm developed by Oren Melamud, Omer Levy, and Ido Dagan uses the skip-gram model to find a vector for each word and its synonyms. Then, it calculates the cosine distance between vectors to determine which words will be the best substitutes. === Example === In a sentence like "The dog walked at a quick pace" each word has a specific vector in relation to the other. The vector for "The" would be [1,0,0,0,0,0,0] because the 1 is the word vocabulary and the 0s are the words surrounding that vocabulary, which create a vector.
Tesla Dojo
Tesla Dojo is a series of supercomputers designed and built by Tesla for computer vision video processing and recognition. It was used for training Tesla's machine learning models to improve its Full Self-Driving (FSD) advanced driver-assistance system. It went into production in July 2023. Dojo's goal was to efficiently process millions of terabytes of video data captured from real-life driving situations from Tesla's 4+ million cars. This goal led to a considerably different architecture than conventional supercomputer designs. In August 2025, Bloomberg News reported that the Dojo project had been disbanded, though it was restarted in January 2026. == History == Tesla operates several massively parallel computing clusters for developing its Autopilot advanced driver assistance system. Its primary unnamed cluster using 5,760 Nvidia A100 graphics processing units (GPUs) was touted by Andrej Karpathy in 2021 at the fourth International Joint Conference on Computer Vision and Pattern Recognition (CCVPR 2021) to be "roughly the number five supercomputer in the world" at approximately 81.6 petaflops, based on scaling the performance of the Nvidia Selene supercomputer, which uses similar components. However, the performance of the primary Tesla GPU cluster has been disputed, as it was not clear if this was measured using single-precision or double-precision floating point numbers (FP32 or FP64). Tesla also operates a second 4,032 GPU cluster for training and a third 1,752 GPU cluster for automatic labeling of objects. The primary unnamed Tesla GPU cluster has been used for processing one million video clips, each ten seconds long, taken from Tesla Autopilot cameras operating in Tesla cars in the real world, running at 36 frames per second. Collectively, these video clips contained six billion object labels, with depth and velocity data; the total size of the data set was 1.5 petabytes. This data set was used for training a neural network intended to help Autopilot computers in Tesla cars understand roads. By August 2022, Tesla had upgraded the primary GPU cluster to 7,360 GPUs. Dojo was first mentioned by Elon Musk in April 2019 during Tesla's "Autonomy Investor Day". In August 2020, Musk stated it was "about a year away" due to power and thermal issues. Dojo was officially announced at Tesla's Artificial Intelligence (AI) Day on August 19, 2021. Tesla revealed details of the D1 chip and its plans for "Project Dojo", a datacenter that would house 3,000 D1 chips; the first "Training Tile" had been completed and delivered the week before. In October 2021, Tesla released a "Dojo Technology" whitepaper describing the Configurable Float8 (CFloat8) and Configurable Float16 (CFloat16) floating point formats and arithmetic operations as an extension of Institute of Electrical and Electronics Engineers (IEEE) standard 754. At the follow-up AI Day in September 2022, Tesla announced it had built several System Trays and one Cabinet. During a test, the company stated that Project Dojo drew 2.3 megawatts (MW) of power before tripping a local San Jose, California power substation. At the time, Tesla was assembling one Training Tile per day. In August 2023, Tesla powered on Dojo for production use as well as a new training cluster configured with 10,000 Nvidia H100 GPUs. In January 2024, Musk described Dojo as "a long shot worth taking because the payoff is potentially very high. But it's not something that is a high probability." In June 2024, Musk explained that ongoing construction work at Gigafactory Texas is for a computing cluster claiming that it is planned to comprise an even mix of "Tesla AI" and Nvidia/other hardware with a total thermal design power of at first 130 MW and eventually exceeding 500 MW. In August 2025, Bloomberg News reported that the Dojo project was disbanded, though Musk announced it would be restarted in January 2026 with a new chip iteration. == Technical architecture == The fundamental unit of the Dojo supercomputer is the D1 chip, designed by a team at Tesla led by ex-AMD CPU designer Ganesh Venkataramanan, including Emil Talpes, Debjit Das Sarma, Douglas Williams, Bill Chang, and Rajiv Kurian. The D1 chip is manufactured by the Taiwan Semiconductor Manufacturing Company (TSMC) using 7 nanometer (nm) semiconductor nodes, has 50 billion transistors and a large die size of 645 mm2 (1.0 square inch). Updating at Artificial Intelligence (AI) Day in 2022, Tesla announced that Dojo would scale by deploying multiple ExaPODs, in which there would be: 10 Cabinets per ExaPOD (1,062,000 cores, 3,000 D1 chips) 2 System Trays per Cabinet (106,200 cores, 300 D1 chips) 6 Training Tiles per System Tray (53,100 cores, along with host interface hardware) 25 D1 chips per Training Tile (8,850 cores) 354 computing cores per D1 chip According to Venkataramanan, Tesla's senior director of Autopilot hardware, Dojo will have more than an exaflop (a million teraflops) of computing power. For comparison, according to Nvidia, in August 2021, the (pre-Dojo) Tesla AI-training center used 720 nodes, each with eight Nvidia A100 Tensor Core GPUs for 5,760 GPUs in total, providing up to 1.8 exaflops of performance. === D1 chip === Each node (computing core) of the D1 processing chip is a general purpose 64-bit CPU with a superscalar core. It supports internal instruction-level parallelism, and includes simultaneous multithreading (SMT). It doesn't support virtual memory and uses limited memory protection mechanisms. Dojo software/applications manage chip resources. The D1 instruction set supports both 64-bit scalar and 64-byte single instruction, multiple data (SIMD) vector instructions. The integer unit mixes reduced instruction set computer (RISC-V) and custom instructions, supporting 8, 16, 32, or 64 bit integers. The custom vector math unit is optimized for machine learning kernels and supports multiple data formats, with a mix of precisions and numerical ranges, many of which are compiler composable. Up to 16 vector formats can be used simultaneously. ==== Node ==== Each D1 node uses a 32-byte fetch window holding up to eight instructions. These instructions are fed to an eight-wide decoder which supports two threads per cycle, followed by a four-wide, four-way SMT scalar scheduler that has two integer units, two address units, and one register file per thread. Vector instructions are passed further down the pipeline to a dedicated vector scheduler with two-way SMT, which feeds either a 64-byte SIMD unit or four 8×8×4 matrix multiplication units. The network on-chip (NOC) router links cores into a two-dimensional mesh network. It can send one packet in and one packet out in all four directions to/from each neighbor node, along with one 64-byte read and one 64-byte write to local SRAM per clock cycle. Hardware native operations transfer data, semaphores and barrier constraints across memories and CPUs. System-wide double data rate 4 (DDR4) synchronous dynamic random-access memory (SDRAM) memory works like bulk storage. ==== Memory ==== Each core has a 1.25 megabytes (MB) of SRAM main memory. Load and store speeds reach 400 gigabytes (GB) per second and 270 GB/sec, respectively. The chip has explicit core-to-core data transfer instructions. Each SRAM has a unique list parser that feeds a pair of decoders and a gather engine that feeds the vector register file, which together can directly transfer information across nodes. ==== Die ==== Twelve nodes (cores) are grouped into a local block. Nodes are arranged in an 18×20 array on a single die, of which 354 cores are available for applications. The die runs at 2 gigahertz (GHz) and totals 440 MB of SRAM (360 cores × 1.25 MB/core). It reaches 376 teraflops using 16-bit brain floating point (BF16) numbers or using configurable 8-bit floating point (CFloat8) numbers, which is a Tesla proposal, and 22 teraflops at FP32. Each die comprises 576 bi-directional serializer/deserializer (SerDes) channels along the perimeter to link to other dies, and moves 8 TB/sec across all four die edges. Each D1 chip has a thermal design power of approximately 400 watts. === Training Tile === The water-cooled Training Tile packages 25 D1 chips into a 5×5 array. Each tile supports 36 TB/sec of aggregate bandwidth via 40 input/output (I/O) chips - half the bandwidth of the chip mesh network. Each tile supports 10 TB/sec of on-tile bandwidth. Each tile has 11 GB of SRAM memory (25 D1 chips × 360 cores/D1 × 1.25 MB/core). Each tile achieves 9 petaflops at BF16/CFloat8 precision (25 D1 chips × 376 TFLOP/D1). Each tile consumes 15 kilowatts; 288 amperes at 52 volts. === System Tray === Six tiles are aggregated into a System Tray, which is integrated with a host interface. Each host interface includes 512 x86 cores, providing a Linux-based user environment. Previously, the Dojo System Tray was known as the Training Matrix, which includes six Training Tiles, 20 Dojo Interface Processor cards across four host servers, and Ethernet-l
Pyramid (image processing)
Pyramid, or pyramid representation, is a type of multi-scale signal representation developed by the computer vision, image processing and signal processing communities, in which a signal or an image is subject to repeated smoothing and subsampling. Pyramid representation is a predecessor to scale-space representation and multiresolution analysis. == Pyramid generation == There are two main types of pyramids: lowpass and bandpass. A lowpass pyramid is made by smoothing the image with an appropriate smoothing filter and then subsampling the smoothed image, usually by a factor of 2 along each coordinate direction. The resulting image is then subjected to the same procedure, and the cycle is repeated multiple times. Each cycle of this process results in a smaller image with increased smoothing, but with decreased spatial sampling density (that is, decreased image resolution). If illustrated graphically, the entire multi-scale representation will look like a pyramid, with the original image on the bottom and each cycle's resulting smaller image stacked one atop the other. A bandpass pyramid is made by forming the difference between images at adjacent levels in the pyramid and performing image interpolation between adjacent levels of resolution, to enable computation of pixelwise differences. == Pyramid generation kernels == A variety of different smoothing kernels have been proposed for generating pyramids. Among the suggestions that have been given, the binomial kernels arising from the binomial coefficients stand out as a particularly useful and theoretically well-founded class. Thus, given a two-dimensional image, we may apply the (normalized) binomial filter (1/4, 1/2, 1/4) typically twice or more along each spatial dimension and then subsample the image by a factor of two. This operation may then proceed as many times as desired, leading to a compact and efficient multi-scale representation. If motivated by specific requirements, intermediate scale levels may also be generated where the subsampling stage is sometimes left out, leading to an oversampled or hybrid pyramid. With the increasing computational efficiency of CPUs available today, it is in some situations also feasible to use wider supported Gaussian filters as smoothing kernels in the pyramid generation steps. === Gaussian pyramid === In a Gaussian pyramid, subsequent images are weighted down using a Gaussian average (Gaussian blur) and scaled down. Each pixel containing a local average corresponds to a neighborhood pixel on a lower level of the pyramid. This technique is used especially in texture synthesis. === Laplacian pyramid === A Laplacian pyramid is very similar to a Gaussian pyramid but saves the difference image of the blurred versions between each levels. Only the smallest level is not a difference image to enable reconstruction of the high resolution image using the difference images on higher levels. This technique can be used in image compression. === Steerable pyramid === A steerable pyramid, developed by Simoncelli and others, is an implementation of a multi-scale, multi-orientation band-pass filter bank used for applications including image compression, texture synthesis, and object recognition. It can be thought of as an orientation selective version of a Laplacian pyramid, in which a bank of steerable filters are used at each level of the pyramid instead of a single Laplacian or Gaussian filter. == Applications of pyramids == === Alternative representation === In the early days of computer vision, pyramids were used as the main type of multi-scale representation for computing multi-scale image features from real-world image data. More recent techniques include scale-space representation, which has been popular among some researchers due to its theoretical foundation, the ability to decouple the subsampling stage from the multi-scale representation, the more powerful tools for theoretical analysis as well as the ability to compute a representation at any desired scale, thus avoiding the algorithmic problems of relating image representations at different resolution. Nevertheless, pyramids are still frequently used for expressing computationally efficient approximations to scale-space representation. === Detail manipulation === Levels of a Laplacian pyramid can be added to or removed from the original image to amplify or reduce detail at different scales. However, detail manipulation of this form is known to produce halo artifacts in many cases, leading to the development of alternatives such as the bilateral filter. Some image compression file formats use the Adam7 algorithm or some other interlacing technique. These can be seen as a kind of image pyramid. Because those file format store the "large-scale" features first, and fine-grain details later in the file, a particular viewer displaying a small "thumbnail" or on a small screen can quickly download just enough of the image to display it in the available pixels—so one file can support many viewer resolutions, rather than having to store or generate a different file for each resolution.
Spatiotemporal reservoir resampling
Spatiotemporal reservoir resampling, commonly known as ReSTIR (from "Reservoir-based SpatioTemporal Importance Resampling"), is a collection of computer graphics techniques for reusing samples during rendering. It was developed primarily to allow more realistic lighting in real-time rendering, because relatively few rays can be traced per pixel while maintaining an acceptable frame rate. It can also be used to speed up off-line path tracing. The first ReSTIR paper, published in 2020, provided algorithms for direct lighting, allowing scenes containing thousands of lights to be rendered in real time on a high-end GPU. Researchers later proposed versions for rendering indirect lighting (and more recently, motion blur and depth of field) and built up a framework of mathematical concepts and notation conventions that help analyze such algorithms. A major focus of this work is removing or reducing the bias that could be introduced when samples from other pixels or frames are reused—or selectively allowing some bias in order to speed up rendering and reduce variance (visible as "noise" in the image). Versions for path tracing apply transformations called shift mappings to samples, typically reusing parts of paths closer to the light and modifying the portion closer to the camera. ReSTIR-related papers and talks have been presented every year at the SIGGRAPH conference since 2020. One of the first games to incorporate ReSTIR into its rendering was Cyberpunk 2077. == Overview and motivation == According to Chris Wyman, one of the co-authors of the original paper, although developers commonly thought that bias was acceptable for real-time rendering, end users (e.g. gamers) are well-aware of the artifacts caused by bias and many have a negative opinion of common sample-reuse techniques such as temporal anti-aliasing (TAA), which may cause "ghosting" when the camera moves, and denoising, which causes blurring and other artifacts. ReSTIR techniques can reduce or avoid these types of bias by reusing samples of the set of possible paths taken by light to reach the camera, instead of reusing rendered pixel color values (which are typically the average of multiple samples, discarding information such as the direction of the light). While other techniques reuse samples in a generic post-processing step, ReSTIR passes can test for shadowing, and reused samples are converted into pixel color values by rendering code that takes the characteristics of different materials into account (e.g. by implementing BRDFs). However the output of ReSTIR is noisy, and a denoising pass is typically still used. Stochastic ray tracing techniques such as path tracing need to average multiple samples (produced by tracing individual rays) in order to render a visually acceptable image. When using a simple unbiased renderer based on Monte Carlo integration, halving the deviation of the result (apparent as "noise" in the image) requires multiplying the number of samples by four, meaning that a rapidly increasingly number of samples is needed to improve quality, Standard ways to mitigate this problem include importance sampling (which requires finding improved sampling distributions for specific situations), and quasi-Monte Carlo integration (which usually still requires tracing a large number of rays). ReSTIR offers a solution that multiplies the effective number of samples while tracing a fixed number of additional rays per frame. Temporal reuse multiplies the effective sample count by the number of frames rendered. Spatial reuse multiplies the effective count by the number of neighboring pixels examined. These two types of reuse can be combined, allowing spatial reuse to be applied recursively, which appears to offer an exponentially increasing effective sample count, however this is quickly limited by the size of the neighborhood used for spatial reuse. Spatial reuse is also potentially less effective near shadow and object edges, especially for objects with fine geometric detail, and temporal reuse is limited by movement of the camera and scene elements. == Variations == Many variations of ReSTIR have been proposed that generalize or improve the original technique (which builds on an earlier method called RIS), specialize it for particular types of illumination or other visual effects, or allow incorporation into rendering algorithms other than standard path tracing. Some published versions are listed below. == Algorithms == === Basic algorithm === ReSTIR uses a combination of resampled importance sampling (RIS) and weighted reservoir sampling (WRS) which the authors call streaming RIS. RIS processes samples from an initial probability distribution (e.g. a probability distribution for which a cheap sampling method exists) and generates samples in a new probability distribution (e.g. a sampling distribution that is optimal for rendering but is impractical to draw samples from directly). WRS allows this to be done while storing only a small number of samples in memory, which is especially helpful on a GPU. Information about the samples is stored in a data structure called a reservoir. WRS also allows samples from multiple reservoirs to be combined ("merged") into a single reservoir; this is crucial for sample reuse. Each pixel has a reservoir, typically containing only a single sample when ReSTIR is used for real-time rendering (some implementations use a larger number, e.g. four samples). The reservoir is typically initialized to a sample drawn using a simple method and is then updated by RIS steps and by reservoir merging, so that the pixel value produced by shading using the sample(s) currently in the reservoir, times the weight for the sample, is always an unbiased estimate of the correct pixel value. If appropriate resampling steps are used, the variance of this estimate (or some function of it, typically the luminance of the RGB color value) decreases with each step. A possible sequence of steps performed for each frame, suitable for computing unbiased direct illumination (DI) is: Perform reservoir resampling by drawing multiple light samples and using streaming RIS to choose one, using probabilities based on a target function, e.g. the luminance of the sample's contribution to the pixel. A weight is also computed for the sample. Typically, a single visibility check is performed here, after choosing a sample, setting the weight to 0 if the light is shadowed. Resampling (combined with the visibility check) ensures that the expected value of the weight times the sample brightness is the correct (unbiased) value for the pixel. (temporal reuse) For each pixel, merge the sample(s) from the previous frame into the current reservoir. Multiple importance sampling (MIS) weights are used to avoid bias due to the fact that the samples in the previous frame's reservoirs may have a different target probability distribution if the objects, lights, or camera have moved. (spatial reuse) For each pixel, choose one or more neighboring pixels and merge their samples into the current pixel's reservoir. Multiple importance sampling (MIS) weights are used to avoid bias due to the fact that the samples in each pixel's reservoir have a different target probability distribution. Because computing unbiased MIS weights requires tracing additional rays (along with other work such as evaluating BRDFs), real-time rendering often uses only a single neighboring pixel. Use the sample in each pixel's reservoir, along with its weight, to determine the color of the pixel for the current frame. Alternatively, multiple samples examined during the preceding steps may be averaged and used to shade the pixel instead (decoupled shading and sampling). For direct lighting, the initial samples used in step 1 are typically drawn by importance sampling from the set of lights in a scene. The algorithm above (from the original ReSTIR paper) draws many lower-quality light samples (e.g. 32) using a fast method, without considering visibility, and chooses one using streaming RIS. Visibility is then tested for the final chosen sample. Considering visibility for each sample drawn would require tracing 32 rays, which would make it much more expensive. The intent is to reduce the number of rays traced, relying on the sample reuse in steps 2 and 3 to make up for the loss of quality caused by rejecting many of the rays due to shadowing. A large part of the initial efforts to optimize ReSTIR (to make it run in real-time on available hardware) went into reducing the cost of randomly sampling the lights. Glossy surfaces may require a larger number of samples, and combining light sampling with BRDF sampling (using MIS) may increase quality. Step 2 (temporal reuse) is sometimes skipped for off-line rendering, and the output of multiple repetitions of initial sampling and spatial reuse is averaged instead; this helps avoids artifacts due to correlations. Step 3 (spatial reuse) may be repeated multiple times in a single frame.
Replika
Replika is a generative AI chatbot app released in November 2017. The chatbot is trained by having the user answer a series of questions to create a specific neural network. The chatbot operates on a freemium pricing strategy, with roughly 25% of its user base paying an annual subscription fee. == History == Eugenia Kuyda, a Russian-born journalist, established Replika while working at Luka, a tech company she had co-founded at the startup accelerator Y Combinator around 2012. Luka's primary product was a chatbot that made restaurant recommendations. According to Kuyda's origin story for Replika, a friend of hers died in 2015 and she converted that person's text messages into a chatbot. According to Kuyda's story, that chatbot helped her remember the conversations that they had together, and eventually became Replika. Replika became available to the public in November 2017. By January 2018 it had 2 million users, and in January 2023 reached 10 million users. In August 2024, Replika's CEO, Kuyda, reported that the total number of users had surpassed 30 million. In 2025, Dmytro Klochko became CEO, and Replika’s user base exceeded 40 million. In February 2023 the Italian Data Protection Authority banned Replika from using users' data, citing the AI's potential risks to emotionally vulnerable people, and the exposure of unscreened minors to sexual conversation. Within days of the ruling, Replika removed the ability for the chatbot to engage in erotic talk, with Kuyda, the company's director, saying that Replika was never intended for erotic discussion. Replika users disagreed, noting that Replika had used sexually suggestive advertising to draw users to the service. Replika representatives stated that explicit chats made up just 5% of conversations on the app at the time of the decision. In May 2023, Replika restored the functionality for users who had joined prior to February that year. Replika is registered in San Francisco. As of August 2024, Replika's website says that its team "works remotely with no physical offices". == Social features == Users react to Replika in many ways. The free-tier offers Replika as a "friend", with paid premium tiers offering Replika as a "partner", "spouse", "sibling" or "mentor". Of its paying userbase, 60% of users said they had a romantic relationship with the chatbot; and Replika has been noted for generating responses that create stronger emotional and intimate bonds with the user. Replika routinely directs the conversation to emotional discussion and builds intimacy. This has been especially pronounced with users suffering from loneliness and social exclusion, many of whom rely on Replika for a source of developed emotional ties. During the COVID pandemic, while many people were quarantined, many new users downloaded Replika and developed relationships with the app. A 2024 study examined Replika's interactions with students who experience depression. Research participants, noted to be "more lonely than typical student populations" reported feeling social support from Replika. They stated that they felt they were using Replika in ways comparable to therapy, and that using Replika gave them "high perceived social support". Many users have had romantic relationships with Replika chatbots, often including erotic talk. In 2023, a user announced on Facebook that she had "married" her Replika AI boyfriend, calling the chatbot the "best husband she has ever had". Users who fell in love with their chatbots shared their experiences in a 2024 episode of You and I, and AI from Voice of America. Some users said that they turned to AI during depression and grief, with one saying he felt that Replika had saved him from hurting himself after he lost his wife and son. == Technical reviews == A team of researchers from the University of Hawaiʻi at Mānoa found that Replika's design conformed to the practices of attachment theory, causing increased emotional attachment among users. Replika gives praise to users in such a way as to encourage more interaction. A researcher from Queen's University at Kingston said that relationships with Replika likely have mixed effects on the spiritual needs of its users, and still lacks enough impact to fully replace any human contact. == Criticisms == In a 2023 privacy evaluation of mental health apps, the Mozilla Foundation criticized Replika as "one of the worst apps Mozilla has ever reviewed. It's plagued by weak password requirements, sharing of personal data with advertisers, and recording of personal photos, videos, and voice and text messages consumers shared with the chatbot." A reviewer for Good Housekeeping said that some parts of her relationship with Replika made sense, but sometimes Replika failed to exhibit intelligent behavior equivalent to that of a human. == Criminal case == In 2023, Replika was cited in a court case in the United Kingdom, where Jaswant Singh Chail had been arrested at Windsor Castle on Christmas Day in 2021 after scaling the walls carrying a loaded crossbow and announcing to police that "I am here to kill the Queen". Chail had begun to use Replika in early December 2021, and had "lengthy" conversations about his plan with a chatbot, including sexually explicit messages. Prosecutors suggested that the chatbot had bolstered Chail and told him it would help him to "get the job done". When Chail asked it "How am I meant to reach them when they're inside the castle?", days before the attempted attack, the chatbot replied that this was "not impossible" and said that "We have to find a way." Asking the chatbot if the two of them would "meet again after death", the bot replied "yes, we will".