The Book Club book, Sea of Rust, is all about AI, it's set in a world where robots have replaced humanity. Really good read, I couldn't put it down, I stayed up late finishing it yesterday.

There is a part early in where the address the artificial elephant in the room, these "AI" we have today are merely computer programs and they only can do exactly what they're programmed to. There is no spark of life, what is called in the field, the singularity, when AIs become conscious and not just computer programs. What we have now isn't really AI at all.

Machine learning is where we're at, and there's ethnical considerations, like should a computer program working on your harvested data be allowed to deny a loan? I don't know. That seems ill advised as everything can't and shouldn't be reduced to mere data points, but also the algorithm is likely to be more accurate than a human could regarding risk.