LANDANI
Kupititsa patsogolo ntchito zamalonda, kuchepetsa chinyengo cha banki ndikulimbitsa ndondomeko zoyendetsera ngozi. Pali mwayi wambiri woperekedwa ndi mabanki okhala ndi luntha lochita kupanga komanso chidziwitso chachikulu, ndikupita patsogolo kwaukadaulo komwe mabungwe azachuma aku Spain akhala akugwiritsa ntchito ma algorithms kwazaka zosakwana khumi ndi cholinga chokweza ntchito zawo. “Luntha lochita kupanga ndilofunika kwambiri kubanki kusiyana ndi magawo ena chifukwa chidziwitso ndi zinthu zake. Ndipo, ndendende, ndi gawo lomwe liri ndi chidziwitso chochuluka chokhudza makasitomala kuposa ena ", akutero Alberto Calles, yemwe amayang'anira gawo loyang'anira zachuma ku PwC.
Kugwiritsa ntchito deta ndi luntha lochita kupanga kwathandizira BBVA kuti ipatse makasitomala ake zida zingapo zomwe zimawalola kupititsa patsogolo thanzi lawo lazachuma. "Chifukwa cha nzeru zopangapanga komanso makina ophunzirira makina, banki imatha kuzindikira zinthu zomwe zimachitika kunja kwanthawi zonse pazachuma za makasitomala awa.
Muzochitika izi, timadziwitsa makasitomala pogwiritsa ntchito njira, kuwapatsa mwayi wokonzekera zochitika zosayembekezereka ndikuthetsa zolakwika zomwe zingatheke, "anatero Francisco Maturana, CEO wa AI Factory, BBVA's advanced analysis center. Bungweli lidayamba kubetcha pakupanga zinthu kutengera luntha lochita kupanga mu 2014.
64% ya mabanki ali ndi mayankho a AI
Artificial intelligence imapangitsanso kuti zitheke kugwiritsa ntchito njira zophunzirira zokha posanthula zochitika zakale kuti muphunzire kuchokera pazomwe zachitika ndikupeza machitidwe omwe amathandizira kulosera zam'tsogolo. Ku Openbank, banki yapaintaneti ya Santander Group, kuphunzira pamakina kumapangitsa kuti pakhale zotheka kukhazikitsa zitsanzo zolosera zamtsogolo zomwe makasitomala amachita ndikuchitapo kanthu. "Chifukwa cha ma aligorivimu athu pamapu athu opanga, titha kupanga njira yoyenera yolumikizirana ndi makasitomala athu, kuchepetsa kapena kukulitsa zotsatsa zotsatsa zomwe akudziwa kuti zingawasangalatse," akutero a Daniel Villatoro, wasayansi wamkulu wa Openbank.
"Madera omwe ali ndi vuto lalikulu la kugwiritsa ntchito luntha lochita kupanga ndi, mbali imodzi, ntchito zomwe zimaperekedwa mwachindunji kwa makasitomala. Kuphatikiza apo, imathanso kuwongolera bwino pakuzindikira zachinyengo, kukhathamiritsa njira zamkati ndi magwiridwe antchito, komanso kuwonetsetsa kulondola kwamalamulo," atero a Maturana a BBVA. "Ma aligorivimu izi ndi nkhawa ndi kulimbikitsa kwa kasitomala awo kuphatikiza mankhwala mgwirizano kapena kuzindikira ngati kusuntha kulikonse mu nkhani yawo ndi zachilendo, mwa ena, ndipo zonsezi nthawi zonse mosadziwika ndi kutsimikizira zinsinsi za makasitomala athu", ndemanga Villatoro.
Vuto lomwe likuyembekezera
Chovuta chachikulu cha mabanki poyambitsa njira zopangira nzeru zopangapanga ndikutsimikizira woyang'anira kuti kugwiritsa ntchito teknolojiyi kumagwirizana ndi malamulo omwe alipo tsopano, anafotokoza Calle, mnzake wa PwC. Ntchito zanzeru zopangapanga zimapangitsa kuti zitheke kupeza zidziwitso zambiri kuchokera kwa makasitomala, kotero kubweza kumakhala, mwachitsanzo, pofotokozera wowongolera kuti njirazi zili pa intaneti ndi zofunikira zosonkhanitsira deta kuti awone momwe angabwereke ngongole.
"Kumbali ina, ku Europe, chifukwa cha malamulo oteteza deta, takhala ndi chidwi choteteza zinsinsi za anthu. Kumbali inayi, m'maiko omwe ali ndi ndalama zambiri pakufufuza njira zamtunduwu (monga US kapena China), kasamalidwe kazinthu zamakasitomala ndizowolowa manja kwambiri chifukwa chake makampani akugwiritsa ntchito mwayiwu kuti apange mautumiki atsopano. ”, akutero Villatoro, waku Openbank.
Dichotomy iyi ikupanga chiwopsezo pakupanga nzeru zopanga zomwe zimadziwika kuti "mawilo awiri", ndiko kuti, pali omwe ali ndi malamulo oteteza chitetezo komanso omwe ali ndi zofooka zambiri. "Ndikofunikira kugwirira ntchito limodzi ndikumvetsetsa komanso kudziwongolera kwa zitsanzo zanzeru zopangira, ndikupewa masomphenya osamala kwambiri omwe amalepheretsa kugwiritsa ntchito kwawo," idatero Spanish Banking Association polankhula ku ABC.
Sinthani maluso
Vuto lina liri pakuwongolera mphamvu zogwirira ntchito za mabungwe azachuma kuti athe kuphatikizira zotsogola zaposachedwa munzeru zopangira kuwonjezera pa ntchito. "Kusinthika kwa zilankhulo zachilengedwe ndi kupita patsogolo kwa kamvedwe ka zilankhulo ndi mitundu ya mibadwo, monga GPT-3, kuli ndi mwayi wothandiza pakugawa komanso kuyankha mwachangu kwa makasitomala. Chifukwa chake, tili ndi zovuta patsogolo pathu kuti tiphatikize mokwanira maluso atsopanowa ”, akutero Maturana, wochokera ku BBVA AI Factory.
Malinga ndi kafukufuku wochokera ku European Banking Authority, mu 64 2019% ya mabungwe azachuma ali ndi mapulojekiti otengera deta ndi zida zowunikira zapamwamba. Izi zikuwonetsa kupita patsogolo kwachangu komwe ma projekiti otengera lusoli akukhala nawo pakati pa mabanki a kontinenti. "Kukula ndi kugwiritsa ntchito zitsanzo kutengera kasamalidwe deta ndi nzeru yokumba ali kale, pakali pano, zinthu zofunika patsogolo ntchito zachuma," inatero Spanish Banking Association za kulemera kwa luso limeneli tsogolo la banki.
Calle, wochokera ku PwC, adawona kuti poyerekeza ndi mabungwe aku Europe, mabanki aku Spain ndi amodzi mwa otsogola kwambiri pakugwiritsa ntchito ukadaulo wanzeru zopangira. "Pali utali woti tipite, koma mabanki aku Spain apita patsogolo kwambiri m'derali," akutero Calle, yemwe akuwonetsanso udindo wa mabanki aku Spain ngati imodzi mwamabungwe omwe ali ndi makina apamwamba kwambiri amabanki.
Momwe roboti imawonera kuyenera kwa ngongole
Ntchito yodziwika bwino yomwe nzeru zopangapanga zakhala zikugwiritsa ntchito pobanki ndi poyesa kuwunika kwamakasitomala, zomwe zimatchedwa 'credit scoring' mu Chingerezi. Mabungwe azachuma ali ndi chidziwitso chokhudza makasitomala awo omwe magawo ena alibe, popeza ali muakaunti yawo komwe amalandila malipiro awo ndikuwongolera zomwe amalipira. Kugwiritsa ntchito luntha lochita kupanga kumalola mabanki kuti afufuze mwachangu kuti adziwe ngati makasitomala ali ndi ngongole. Izi zikutanthawuza kupanga njira zatsopano zobwereketsa zomwe zimagwira ntchito bwino kwa mabungwe ndi makasitomala.
