问题如下：
which of the following possible effects of AI and machine learning on financial institutions is incorrect?
选项：
A.enhance the efficiency and profitability of financial institutions, while reducing their costs and risks, through various channels.
B.third-party dependencies doet not exist.
C.Use of AI and machine learning risks creating ‘black boxes’ in decision-making that could create complicated issues, especially during tail events.
D.AI and machine learning may enable certain market participants to collect and analyse information on a greater scale.
解释：
B is correct.
选项B错误，可能存在third-party dependencies.
请问一下什么是third-party dependencies.
