데이터는 AI 및 개방형 금융 성장을 이끄는 원동력입니다.

데이터는 AI 및 개방형 금융 성장을 이끄는 원동력입니다.

타임 스탬프 : 8 년 2023 월 3 일 오전 03:XNUMX
소스 노드 : 3005770

인공지능은 금융 서비스에 엄청난 영향을 미칠 것이다. 맥킨지는

예측 AI는 매년 은행에 "최대 20조 달러의 가치 창출 기회"를 제공할 수 있습니다. 액센츄어도

논쟁하는 은행 업계의 전체 근무 시간 중 90%가 ChatGPT와 같은 대규모 언어 모델의 '영향'을 받을 것이며 해당 부문의 전체 근무 시간 중 절반이 자동화될 수 있다고 예측했습니다. 

최근 OBE(Open Banking Excellence) 캠프파이어에서 AI & Partners 이사인 Michael Borrelli는 "데이터가 석유인 시대에는 AI가 새로운 연소 엔진이 될 것"이라고 말했습니다.

Data will be the great enabler of AI. Open Banking and Open Finance lets that data securely flow between lenders and their customers. Together, these two paradigms can unlock the power of data to drive fairer, faster and more accessible financial services
as well as significant industry growth. 

대형 은행에게는 엄청난 성장 기회

At the Campfire, Karen Wall, EMEA Open Banking Product Lead at J.P. Morgan, discussed the financial giant’s work in this exciting space. It has collaborated with a range of fintechs working on AI, looking at use cases such as payment processing and accessing
wider “collective intelligence,” which it describes as “a collaborative ecosystem where shared data is more powerful than the sum of its parts”. 

Karen이 강조한 주요 기회 중 하나는 AI를 사용하여 자금 관리 및 이동을 자동화하고 "유동성 수준에서 보다 의미 있는 의사 결정을 내리는" 실시간 통찰력을 생성하는 "자율 운전 재무"였습니다. 

“오픈 뱅킹이나 오픈 금융에서 얻은 통찰력 중 일부를 활용할 수 있습니다.”라고 그녀는 덧붙였습니다. 

Karen also shared some superb learnings for banks that are deploying AI, suggesting they consider setting up their product stack to deliver good outcomes for both direct customers and the wider ecosystem. Banks should carefully consider how they are collecting
intelligence and gathering data from across the institution. Siloes need to be broken down to provide shared views of how AI is deployed across different lines of business. Strict governance models must ensure data is used and consumed safely. Firms should
also provide transparency for end users so that they know how their data is being used. When using a Large Language Model, careful thought should be given to the data that is used to train it so that bias is mitigated.  

Karen added: “Those are key components that everyone should have in the back of their mind. If we deploy this technology, and for some institutions, it is early days, so they’re still learning as they go. But those are core tenets of their business today.
How are you deploying products to market, what technology are you using and what information is informing that deployment and oversight of the product to ensure good outcomes?”

인공지능이 고객에게 제공하는 실제 이점 

Moneyhub의 결정 관리 이사인 Suzanne Homewood는 "AI는 외과의사가 환자 치료에 대해 더 빠르고 더 나은 결정을 내릴 수 있도록 돕는 데 사용되었습니다. 우리 세상에서는 고객을 위해 더 나은 결정을 내릴 수 있는 방법이 중요합니다."라고 말했습니다.

 Suzanne said AI could help everyone from underwriters to customer service agents serve customers more effectively by automating routine tasks and leaving human employees free to pay attention to “outlying cases such as people who need [personalised] support,
rather than a broad brush approach”. 

She also emphasised the ability of AI and data analytics to enhance decision-making, leading to better efficiency, cost control, and fraud reduction. She noted that one lender observed a 15% dropout rate in applicants identified as fraudulent through Open
Banking. Loans made with better-informed decisions that use open banking data to assess affordability perform up to 50% better than other loans, Suzanne continued. AI and data not only benefit consumers but also aid organisations in offering improved products
and services, thereby enabling business growth and wider financial inclusion. 

“인간은 여전히 ​​존재할 것이고 우리는 여전히 사람들의 손을 잡아야 할 것입니다.”라고 그녀는 말했습니다. 

데이터 공유에 대한 젊은 세대의 변화하는 관점에서 미래 성장의 긍정적인 신호를 볼 수 있습니다.

Suzanne은 계속해서 다음과 같이 덧붙였습니다. "금융 서비스에 액세스하는 젊은 세대는 데이터에 대해 완전히 다른 태도를 가지고 있습니다... 그들이 이를 통해 무엇을 얻을 수 있는지 이해하는 한 사람들은 데이터를 공유할 준비가 되어 있습니다."

업계 영감: 보험 분야의 AI 

 AI is transforming the insurance industry. The industry collects a vast amount of data, including historical claims, credit scores, and social media activity. AI can harness this data to enhance insurance products and services. Its impact will be particularly
notable in areas like professional indemnity, directors and officers, cyber, and crime policies, said Natalie Simpson, Claims Manager at Protean Risk.

In areas like motor and home insurance, AI is already being used to accelerate claims processing. For example, AI can assess damages from photos and expedite payouts. Despite these benefits, AI in insurance will require continuous oversight to manage how
it learns and makes decisions. Natalie agreed that the human touch would be vital in some interactions. 

She said: “Having all that data and the ability to analyse data patterns can detect and prevent fraud as well as improving customer experience and free up that workforce to have one-to-one contact with their customers. However, I think we’ve all been in
those situations where you’re stuck in a call cycle of trying to get through to a person or you’re just talking to a chatbot. It’ll be difficult to completely erase humans.”

The future is bright – and not very far away. ChatGPT shows us how quickly disruptive change can occur and shift the ground beneath our feet at unprecedented speed. After its launch at the end of 2022, it achieved 100 million monthly active users in just
이 개월.

AI와 개방형 금융은 차세대 경제 성장의 원동력이 될 것입니다. 오픈 뱅킹의 청사진을 세운 국가로서 영국은 이 초신성의 중심에 있을 기회를 갖고 있습니다. 

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