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NewsBokamoso ba AI ho Banka ea Marang-rang

Bokamoso ba AI ho Banka ea Marang-rang

TLHOKOMELISO: Lintlha le maikutlo a hlahisitsoeng lingolong ke tsa ba li bolelang mme ke boikarabello ba bona. Phatlalatso ho The European Times ha ho bolele feela ho tšehetsa maikutlo, empa ho bolela tokelo ea ho e hlahisa.

LIPHETOLELO TSA TLHOKOMELISO: Lingoliloeng tsohle sebakeng sena sa marang-rang li hatisitsoe ka Senyesemane. Liphetolelo tse fetoletsoeng li etsoa ka mokhoa o ikemetseng o tsejoang e le liphetolelo tsa neural. Haeba u na le pelaelo, kamehla sheba sehlooho sa pele. Kea leboha ha u utloisisa.

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The European Times Litaba li ikemiselitse ho fana ka litaba tsa bohlokoa ho eketsa tlhokomeliso ea baahi ho potoloha sebaka sa Europe.

 Ho amoheloa ha Artificial Intelligence (AI) e se e le tloaelo ho liindasteri tse fapaneng kajeno, 'me lekala la libanka tsa inthanete le lona. Ha theknoloji e ntse e tsoela pele ho fetola indasteri ea lichelete, AI e mothating oa ho bapala karolo ea bohlokoa bokamosong ba banka ea inthaneteng. Ha e le hantle, hoo e ka bang banka e 'ngoe le e' ngoe e ile ea sebetsa AI e hlahisang ka 2023, ho latela Forbes. Ho feta moo, ba bangata ba ile ba tlaleha liphello tse tsotehang.  

Sengoliloeng sena, re tla sheba nts'etsopele le bokhoni ba AI ho banka ea inthaneteng, haholo li-chatbots tse tsamaisoang ke AI, bathusi ba sebele, le lisebelisoa tsa taolo ea lichelete tsa motho. Re tla boela re hlahlobe likotsi le mathata a ho sebelisa AI lekaleng la libanka.  

AI-Powered Chatbots le Bathusi ba Virtual

Li-chatbots tse tsamaisoang ke AI le bathusi ba sebele ke batho ba fetolang litšebeletso tsa bareki ka har'a lekala la libanka tsa inthaneteng. Litsamaiso tsena li ka sebetsana le lipotso le mesebetsi e sa tšoaneng ea bareki, li fana ka thuso le tšehetso ea nako ea sebele. Ka ho tlanya ho ts'ebetso ea puo ea tlhaho (NLP) le li-algorithms tsa ho ithuta ka mochini, li-chatbots li ka sebetsana le ho araba lipotso tsa bareki joalo ka batho.  

Har'a melemo ea mantlha ea li-chatbots tse tsamaisoang ke AI ke bokhoni ba bona ba ho fana ka thuso ea bareki ba motho ka mong. Li-chatbots tsena li ka sekaseka lintlha tsa bareki, nalane ea transaction, le likhetho ho etsa likarabo le likhothaletso tsa bona. Ka mohlala, bareki ba botsang ka ho leka-lekana ha akhaonto ea bona ba ka boela ba fumana litlhahiso bakeng sa lihlahisoa kapa litšebeletso tse amanang le lichelete ho latela mekhoa ea bona ea ho sebelisa chelete le lipakane tsa lichelete.

Ho feta moo, li-chatbots tse tsamaisoang ke AI li fumaneha 24/7, li fana ka tšehetso ea bosiu le motšehare ho bareki ho pholletsa le libaka tse fapaneng tsa nako. Ho fihlella hona ho ntlafatsa boiphihlelo ba bareki ka kakaretso ka ho fana ka thuso e nakong le ho fokotsa nako ea ho leta bakeng sa lipotso.

Tsamaiso ea Lichelete ea Motho ka AI

Ntle le ho ama ts'ebeletso ea bareki, AI e ntse e fetola papali ea taolo ea lichelete tsa motho ka mong, e fana ka lisebelisoa le lits'ebetso tse ncha ho basebelisi. SoFi, k'hamphani e tsebahalang ea lits'ebeletso tsa lichelete, e na le libanka molemong ona ka sesebelisoa sa eona sa lichelete se tsamaisoang ke AI.

Sesebelisoa sa lichelete tsa botho se tsamaisoang ke AI

Sesebelisoa sa lichelete sa SoFi se tsamaisoang ke AI se hlahella ka bokhoni ba sona ba ho fetola mekhoa ea lichelete ea basebelisi. Sesebelisoa se sekaseka mekhoa ea tšebeliso ea basebelisi ka li-algorithms tsa AI le ho tseba mekhoa. E boetse e fana ka litlhahiso tse hlophisitsoeng, ho tloha ho hlahloba lipapatso tsa akhaonto ho menyetla ea matsete, e tsamaellanang le litlhoko le lipakane tsa motho ka mong tsa lichelete.  

Liphahamiso le litlhahiso tse ikhethileng

E 'ngoe ea likarolo tsa bohlokoa tsa sesebelisoa sa SoFi se tsamaisoang ke AI ke bokhoni ba eona ba ho fana ka lipapatso le litumellano tse reriloeng, haholoholo ho lekola likhetho tsa li-account. Ka thuso ea lintlha tsa AI, sesebelisoa se tsebahatsa basebelisi ba ka ruang molemo ho lihlahisoa tse ikhethileng tsa banka, joalo ka liak'haonte tsa ho hlahloba lihlahisoa tse ngata tse nang le phaello ea phaello. 

Ka ho hlahisa litlhahiso tse etselitsoeng motho ka mong ho ipapisitsoe le boemo ba lichelete ba basebelisi, sesebelisoa se thusa batho ho etsa liqeto tse tsamaellanang le likhetho tsa bona tsa banka le merero ea lichelete.

Mehato e ntlafalitsoeng ea ts'ireletso

Ntle le likhothaletso tse ikhethileng, lits'ebetso tsa lichelete tsa motho ka mong tse tsamaisoang ke AI joalo ka SoFi li etelletsa pele ts'ireletso le lekunutu la data ea basebelisi ba lichelete. Mehato e matla ea ts'ireletso, ho kenyeletsoa liprothokholo tsa encryption, mekhoa ea netefatso ea biometric, le li-algorithms tsa ho lemoha ka mokhoa o sa tloaelehang, li hahiloe ka har'a lits'ebetso tsena. Sepheo ke ho qoba litšokelo tse ka bang teng, joalo ka tlōlo ea molao le liketso tsa bolotsana, le ho netefatsa hore lintlha tsa lichelete tsa basebelisi li bolokehile.  

Ho etsa liqeto tse bohlale tsa lichelete

Ka ts'ebetso ea eona e tsamaisoang ke AI, sesebelisoa sa lichelete sa SoFi se thusa basebelisi ho laola bokamoso ba bona ba lichelete. Ka ho fana ka lintlha tse ka sebelisoang, likhothaletso tse etselitsoeng motho ka mong, le likhetho tse sireletsehileng tsa libanka, sesebelisoa se hlomella batho ka lisebelisoa tsa ho etsa liqeto tse bohlale tsa lichelete, ho boloka chelete ea bona hantle, le ho fihlela lipheo tsa nako e telele tsa lichelete.

Lisebelisoa tsena li bonts'a bokhoni bo boholo ba AI taolong ea lichelete tsa motho. Litaolo tse tsoetseng pele le mehato ea ts'ireletso li lumella lits'ebetso tsena ho fana ka lintlha tsa lichelete tsa motho ka mong le liphatlalatso tse lokiselitsoeng le ho etelletsa pele ts'ireletso le lekunutu la lintlha tsa lichelete tsa basebelisi. 

Ha AI e ntse e hatela pele, e ikemiselitse ho fetola mekhoa ea batho ea tsamaiso ea lichelete le ho ntlafatsa boiketlo ba bona ba lichelete. 

Likotsi le Liphephetso tse ka 'nang tsa E-ba teng

Le hoja AI ea libanka tsa marang-rang e na le ts'episo e kholo, e boetse e hlahisa likotsi le liphephetso tse 'maloa tse lokelang ho rarolloa ka hloko ho netefatsa ts'ireletso ea litsamaiso tsena, toka, le botšepehi.

Likotsi tsa lekunutu tsa data le ts'ireletso

A tlolo e kholo ea data e amme limilione tsa bareki ba AT&T mathoasong a khoeli ena - ea pele ho tloha ka Pherekhong 2023 tlhaselo ea cyber e amme basebelisi ba limilione tse robong. Ka ho phahama ha AI ho banka ea inthaneteng, litaba tsa lekunutu le ts'ireletso li ne li sa hlake haholoanyane. 

Sistimi ea AI e itšetleha haholo ka data ea mosebelisi bakeng sa tlhahlobo le ho etsa liqeto, e ba etsa liphofu tse ka bang teng bakeng sa phihlello e sa lumelloeng le bosholu ba data. Ho sireletsa tlhahisoleseling ho tsoa ho baetsi ba lonya ho bohlokoa ho boloka ts'epo le ts'epo ho li-platform tsa banka tsa inthaneteng.

Leeme la algorithmic

Kotsi e 'ngoe ea bohlokoa ke leeme la algorithm, moo litsamaiso tsa AI li ka ntšetsang pele kapa tsa holisa leeme le teng ho data ea koetliso ka boomo. Libankang tsa marang-rang, leeme lena le ka hlaha ka liphetho tse leeme kapa tse khethollang, joalo ka ho fumana lintlha tsa mokoloto ka leeme kapa lits'ebetso tsa tumello ea mokoloto. Ho sebetsana le leeme la algorithmic ho hloka tlhahlobo ea lintlha tsa koetliso le ho beha leihlo ho tsoelang pele ho boloka toka le tekano ha ho etsoa liqeto tse tsamaisoang ke AI.

Mathata a ponaletso le boikarabello

Ho netefatsa ponaletso le boikarabello litsamaisong tsa libanka tse tsamaisoang ke AI ho baka phephetso e kholo. Bareki ba kanna ba ba hlokolosi ka likhothaletso le liqeto tse tsamaisoang ke AI haeba ba sa khone ho lemoha li-algorithms le lits'ebetso tse ka morao ho bona. Ho fana ka ponahalo e hlakileng ea hore na litsamaiso tsa AI li sebetsa joang, ho kenyelletsa le lintlha tse susumetsang khetho ea bona, ho bohlokoa bakeng sa ho aha ts'epo le kholiseho har'a basebelisi.

Ho fokotsa likotsi le ho rarolla mathata

Ho fokotsa likotsi tsa lekunutu le ts'ireletso ea data, li-platform tsa banka tsa marang-rang li tlameha ho kenya tšebetsong mehato e netefalitsoeng ea ts'ireletso, ho kenyeletsoa liprothokholo tsa encryption, netefatso ea lintlha tse ngata, le ho lekola mesebetsi e belaetsang. Ka ho etelletsa pele ts'ireletso ea data ea basebelisi, libanka li ka fokotsa monyetla oa phihlello e sa lumelloeng le litlolo tsa data.

Boikitlaetso ba toka le ponaletso

Ho sebetsana le leeme la algorithmic ho hloka mehato e matla ea ho tseba le ho fokotsa leeme ho algorithms ea AI. Tharollo e ka 'na ea kenyelletsa ho fapanyetsana lintlha tsa koetliso, ho kenya ts'ebetsong li-algorithms tsa toka, le ho etsa liphuputso khafetsa ho lekola phello ea litsamaiso tsa AI lihlopheng tse fapaneng tsa batho. Ho feta moo, ho khothaletsa pepeneneng ka litlhaloso tse hlakileng tsa liqeto tse tsamaisoang ke AI ho ka matlafatsa kutloisiso le ts'epo ea basebelisi lipolaneteng tsa banka tsa inthaneteng.

Leha AI e na le monyetla o moholo oa ho fetola libanka tsa marang-rang, ho bohlokoa ho amohela le ho sebetsana le likotsi le mathata a amanang. Ka ho beha lekunutu la data pele, ho hloka leeme, pepeneneng le boikarabello, libanka li ka haha ​​​​holima melemo ea AI ha li ntse li fokotsa likotsi tse ka bang teng, ho netefatsa hore bareki ba bona ba ts'epa le ho ts'epa tikoloho ea sejoale-joale ea banka.

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AI e ka nolofalletsa senokoane sa marang-rang ho qala tlhaselo, empa hape e ka matlafatsa ts'ireletso ea sepheo. Lekala la lichelete le ntse le itšetleha haholo ka li-algorithms tsa AI e le mokhoa o matla oa ho itšireletsa khahlanong le litšokelo tsena. Ka mohlala, Mastercard e iketselitse mohlala oa eona oa AI o ka eketsang katleho ea ho lemoha bomenemene liphesente tse 300

Ka ho ithuta ka mochini le li-analytics tse boletsoeng esale pele, litsamaiso tsa ho lemoha bomenemene ka matla a AI li ka tsebahatsa litšebelisano tse belaetsang le likotsi tse ka bang teng esale pele, e leng se lumellang ho kenella ka matla ho thibela tahlehelo ea lichelete. Ka ho hlahisa mesebetsi e belaetsang ka potlako, litsamaiso tsena tsa AI li sebetsa e le tšireletso ea bohlokoa, e sireletsang bareki le libanka litlamorao tse mpe tsa bosholu.

Litšebeletso tse Ikemetseng tsa Keletso ea Lichelete

Ho hlaha ha li-robo-advisors, tse tsamaisoang ke theknoloji ea AI, ho tšoaea phetoho e kholo ea lits'ebeletso tsa boeletsi ba lichelete ka har'a libanka tsa inthanete. Li-platform tsena tse ncha li sebelisa li-algorithms tse tsoetseng pele ho lekola maemo a lichelete a bareki ka bomong, ho nahanoa ka lintlha tse kang maemo a bona a hajoale a lichelete, takatso ea ho ipeha kotsing, le merero ea matsete. 

Ka leseli lena, baeletsi ba robo ba fana ka likhothaletso tsa matsete a motho ka mong le lits'ebeletso tse tsamaellanang tsa taolo ea li-portfolio. Karolo ena e etsa demokrasi ho fihlella lisebelisoa tsa taolo ea leruo mme e theola haholo litšenyehelo tsa lits'ebeletso tsa boeletsi tse etelletsoeng pele ke batho. Ka lebaka leo, palo e pharalletseng ea bareki e se e ka khona ho fumana litharollo tsena tsa matsete tse baballang chelete e ngata le tse fihlellehang.

Kobamelo ea Taolo le Taolo ea Kotsi

Ka litlhokahalo tse thata tsa taolo le mathata a ntseng a eketseha 'marakeng oa lichelete, libanka li ntse li tsoela pele ho sebelisa theknoloji ea AI ho matlafatsa melao ea bona ea taolo le meralo ea taolo ea likotsi. 

Litsamaiso tsena tse tsoetseng pele li na le tsebo ea ho sebetsana le lintlha tse ngata ka katleho, tse nolofalletsang libanka ho sebetsana le liphephetso tsa ho latela melao ea anti-money laundering (AML), netefatso ea know-your-customer (KYC) le tlhahlobo ea kotsi ka nepo le bokhabane bo ke keng ba lekanngoa. 

Ka AI, libanka li ka tseba likotsi tse ka bang teng tsa ho latela melao le ho kheloha litekanyetso tsa taolo ka nako ea nnete, ka hona li matlafatsa ts'ireletso ea tsona khahlano le likotsi tsa ts'ebetso le botumo. Ka ho sebelisa litharollo tse tsamaisoang ke AI, libanka li ka boloka taolo ea taolo le ho hlaolela tikoloho ea ts'epo le pepeneneng, li sireletsa lithahasello tsa bona le tsa bareki ba bona.

Bokamoso ba AI bankeng ea inthaneteng bo na le monyetla o moholo oa ho fetola tsela eo bareki ba sebelisanang le mekhatlo ea lichelete le ho sebelisa chelete ea bona. Li-chatbots tse tsamaisoang ke AI le bathusi ba sebele li fana ka thuso le ts'ehetso ea motho ka mong, ha lits'ebetso tsa lichelete tse tsamaisoang ke AI li eketsa bohlale le bokhoni ba basebelisi ba lichelete.  

Leha ho le joalo, libanka le litsi tsa lichelete li tlameha ho sebetsana le likotsi le liphephetso tsa AI, ho kenyelletsa le lekunutu la data, leeme la algorithmic, le ponaletso. Hammoho, ba ka ntlafatsa bokhoni ba AI le ho matlafatsa ts'epo le ts'epo ea bareki ka ho etelletsa pele mekhoa ea boitšoaro le ho kenya ts'ebetsong mehato e tiileng ea ts'ireletso.

Ha ho pelaelo hore AI e shebahala e ikemiselitse ho fetola libanka tsa marang-rang, ho bula mekhoa e mecha bakeng sa lits'ebeletso tse ncha le tse sebetsang hantle tsa bareki, taolo ea lichelete tsa motho le ho feta. Ha theknoloji e ntse e fetoha, AI e tla ba ea bohlokoa nakong e tlang ea banka.



Mohloli oa mohloli

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E tlameha ho bala

Lihlooho tsa moraorao

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