Os dados são o combustível que impulsionará o crescimento da IA ​​e do Open Finance

Os dados são o combustível que impulsionará o crescimento da IA ​​e do Open Finance

Carimbo de data / hora: 8 de dezembro de 2023 3h03
Nó Fonte: 3005770

A inteligência artificial terá um efeito sísmico nos serviços financeiros. McKinsey tem

previsto que a IA poderia proporcionar uma “oportunidade de criação de valor de até 20 biliões de dólares” para os bancos todos os anos. Accenture também

argumentou que 90% de todas as horas de trabalho no setor bancário serão “impactadas” por grandes modelos de linguagem como o ChatGPT e previu que metade de todo o tempo de trabalho no setor poderia ser automatizado. 

Em uma recente fogueira Open Banking Excellence (OBE), Michael Borrelli, Diretor de AI & Partners, disse: “Em uma era onde os dados são o petróleo, a IA será o novo motor de combustão”.

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. 

Uma enorme oportunidade de crescimento para grandes bancos

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”. 

Uma das principais oportunidades que Karen destacou foi a “tesouraria autónoma”, na qual a IA é utilizada para automatizar a gestão e movimentação de dinheiro, bem como para criar insights em tempo real que “impulsionam uma tomada de decisões mais significativa ao nível da liquidez”. 

“Você pode aproveitar alguns dos insights que obtém do Open Banking ou do Open Finance”, acrescentou ela. 

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?”

Os reais benefícios da inteligência artificial para o cliente 

“A IA tem sido usada para ajudar os cirurgiões a tomar decisões melhores e mais rápidas para o tratamento de seus pacientes”, disse Suzanne Homewood, Diretora Geral de Decisões da Moneyhub. “Em nosso mundo, o que importa é como podemos tomar melhores decisões para os clientes”.

 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. 

“Os humanos ainda existirão e ainda precisaremos segurar as mãos das pessoas”, disse ela. 

Sinais positivos de crescimento futuro podem ser vistos na mudança de perspectiva da geração mais jovem sobre a partilha de dados.

Suzanne continuou: “A geração mais jovem que acede aos serviços financeiros tem uma atitude completamente diferente em relação aos dados… Desde que compreendam o que vão tirar deles, as pessoas estão preparadas para partilhar os seus dados.”

Inspiração da indústria: IA em seguros 

 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
dois meses.

A IA e o Open Finance irão alimentar um dos próximos big bangs do crescimento económico. Sendo a nação que definiu o modelo para o Open Banking, o Reino Unido tem a oportunidade de estar no centro desta supernova. 

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