Introduction to 'Checking AI'

AI can feel a bit like having a helpful assistant on hand whenever you need one. It can help you draft an email, plan a holiday, learn something new or answer a question in seconds. 

But AI isn't an expert, and it isn't always right. Sometimes it can get things wrong, miss important details or sound more certain than it should. That's why it's important to think critically about the information it provides and know when to carry out further checks. 

So how do you know when you can trust AI, and what checks should you make? This lesson will help you answer these questions.

Want to start your AI learning with a look at how it works and what it can do? Then head over to our ‘What is AI?’ lesson.

What you'll learn

  • Why and how AI sometimes gets it wrong.
  • What to look out for when AI gives you answers.
  • How to check AI information and use human judgement.

How long it takes

5 minutes

When AI gets it wrong

Chapter 1

How long it takes

1 minute

AI can make mistakes

No one’s perfect – and that applies to AI too. These tools can sometimes get things wrong. Let’s look at some of the ways this can happen.

 

AI bias 

AI is designed and trained by people using data created by people. It can sometimes reflect their biases. So it can work better for some people than others. Bear this in mind especially when you’re looking at AI-generated news items or if you’re using AI to help you create content – whether that’s help with writing a formal letter, creating a post on social media or drafting an email. 

Be aware

Got a response that doesn't seem fair, balanced or appropriate?

Question it and seek other viewpoints. 

Confident but incorrect

Think about predictive text on your phone. As you type, it suggests the next word. That’s AI at work. Based on what it’s seen before, it works out what word is most likely to come next. But AI doesn’t know the context – who you’re messaging or what you’re thinking. It’s making an educated guess. So if you type ‘See you at the…’ it might suggest ‘office’. But what you want to say is ‘zoo’. That’s a less common word, so AI is less likely to predict it.

So, AI sometimes mistakes ‘what sounds likely’ for ‘what is actually true’. This is called ‘hallucination’. It happens because AI uses maths, patterns and probability to work out the answer. It’s why AI may give us information that’s incorrect, misleading, or completely made up. Sometimes, the information isn’t completely wrong, but it just doesn’t make sense in the context you intended. AI can be overconfident in its answers, too.

In particular, be very wary of AI suggestions around health diagnoses and treatment options.

 

Mistakes can include:

'Facts' that just aren't true

Statistics that are made up

Information that’s out of date

Reference sources that don’t exist

Be aware

Even when an answer sounds convincing, it may not be accurate. 

So if you’re asking it fact-based questions, use your own judgement and always check important information from trusted sources.  

Checks to help keep you safe

Chapter 2

How long it takes

2 minutes

Check before you trust

It’s good to get into the habit of checking answers or suggestions that AI gives you. As we’d said earlier, it doesn’t always get things right. What, when and how much you check will depend on what you’re asking and how you’ll use the information. 

 

What to check

Check facts against reliable/trusted sources

This could be online sources, human sources or a mix of both.

Review references and sources

Do they exist? Are they still valid/up-to-date?

Confirm calculations

For example, if you’re using AI to work out the total cost of a DIY project, check for errors or missing cost items.

Ask the experts

AI isn't an expert. So, go to your GP for health matters, or your bank or a trusted Independent Financial Advisor (IFA) for decisions about your money.

When to check

Examples where you need to check:

  • Research – You’ll need to cross-check with trusted sources and check any quoted sources exist and are up-to-date.
  • Health information – AI is OK for general health information and guidance but not for more specific diagnostics – you’ll need to follow up with a health professional.
  • Budget planning – Always ask yourself: will this work for me? Is it realistic and am I comfortable with these suggestions?

For these topics, AI can be a useful starting point, but it’s never a substitute for expert advice or independent checks.

 

Never rely on AI alone for:

Medical decisions

Financial decisions

Legal matters

Major purchases

How to check

You might start with a simple checklist:

  • Is it accurate?
  • Is it current?
  • Is it complete?
  • Is it unbiased?
  • Can I verify it?

Remember

AI should support the decisions you make – not make them for you.

Using human judgment

Chapter 3

How long it takes

2 minutes

Your own judgement

We’ve seen that AI can make mistakes, misunderstand context or give you the wrong information. That's why it's important to check the answers it gives you.

Part of checking these answers is about using your own judgement, to ask yourself whether the information makes sense before acting on it. Not sure how to do this? Start by using the questions in our checklist from the last chapter. 

Ask another human

AI can give quick answers and suggestions to prompts like: ‘I’ve got an hour free this evening – give me some light-hearted options to watch on TV’ or ‘give me some cheap holiday ideas that will work for the whole family’. But sometimes, you’ll need more human guidance. 

Human judgement still matters for those important decisions because they often involve context, ethics and empathy. Here are two examples.

 

Decisions about your health

Your GP and other healthcare professionals use their experience and understanding of your own unique circumstances to diagnose symptoms, explore treatment options and make care decisions. A treatment plan for one person might be completely wrong for another, even if they show the same symptoms or have the same condition. Doctors know this.

That’s why you should always seek professional medical advice and never rely solely on what AI suggests.

Your GP and other healthcare professionals use their experience and understanding of your own unique circumstances to diagnose symptoms, explore treatment options and make care decisions. 

A treatment plan for one person might be completely wrong for another, even if they show the same symptoms or have the same condition. Doctors know this.

That’s why you should always seek professional medical advice and never rely solely on what AI suggests.

Decisions about your money

When you ask your bank or a professional independent financial advisor (IFA) for advice, they must take into account your personal goals, your tolerance for risk and your wider financial situation. They know that a certain loan or savings account might work for someone else but not for you.

AI alone isn’t able to advise you on these important financial decisions – only your bank or a trusted IFA is.

When you ask your bank or a professional independent financial advisor (IFA) for advice, they must take into account your personal goals, your tolerance for risk and your wider financial situation.

They know that a certain loan or savings account might work for someone else but not for you.

AI alone isn’t able to advise you on these important financial decisions – only your bank or a trusted IFA is.

Remember

AI can provide useful insights, but it can’t always understand the full context behind a decision.

That’s why human judgement is needed – to make sure decisions are fair, responsible and meet your needs.

Want to learn more?

Artificial Intelligence

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Lloyds Bank Academy is committed to providing information in a way that is accessible and useful for our users. This information, however, is not in any way intended to amount to authority or advice on which reliance should be placed. You should seek professional advice as appropriate and required. Any sites, products or services named in this module are just examples of what's available. Lloyds Bank does not endorse the services they provide. The information in this module was last updated on 6th August 2026.