人工智能在银行机构的应用方向

Nataliia Kholiavko, Iryna Sadchykova, Mariia Kolotok
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引用次数: 0

摘要

今天,许多银行机构面临着与金融和经济危机、冠状病毒大流行危机、各国政治局势不稳定等影响有关的各种挑战,这些挑战反过来又导致了各国金融部门效率的破坏。这些负面因素的答案都是数字化的快速发展,其特点是创造了新的信息和通信技术,旨在优化包括银行在内的金融机构的工作。由于这些创新,银行能够在线工作,简化处理大型数据集的工作,提高对网络攻击和欺诈的保护,实施评分系统等。这就是为什么作者对这个话题的呼吁是相关的,并且在今天是需要的。研究的目的是根据真实银行的例子,对乌克兰和世界银行机构使用人工智能的关键方向进行定义、描述和详细描述。在本文的框架内,揭示了人工智能(AI)在银行机构应用的主要方向,其中的关键方向是:网络安全、聊天机器人、信贷解决方案、市场趋势分析、数据收集和分析、客户体验分析、风险管理、合规要求、预测分析、流程自动化。本文给出了世界领先银行使用人工智能技术的例子,特别是:基于人工智能的算法,能够快速检测欺诈企图,丹麦银行“丹斯克银行”(Danske bank)使用了这种算法;聊天机器人的使用,例如,在美国银行“美国银行”的业务中实施的技术聊天机器人“Erica”;使用该技术的例子有美国公司“ZestFinance”开发的“ZAML”平台,以及瑞典公司“BehavioSec”的评分平台等。考虑到这一点,在银行领域引入人工智能对银行机构、投资者、客户和员工的影响被揭示出来
本文章由计算机程序翻译,如有差异,请以英文原文为准。
DIRECTIONS OF USE OF ARTIFICIAL INTELLIGENCE IN BANKING INSTITUTIONS
Today many banking institutions have faced various challenges related to the impact of the financial and economic crisis, the crisis due to the coronavirus pandemic, the unstable political situation of countries, etc., which in turn has led to the undermining of the efficiency of the financial sector of states. The answer to each of these negative factors was the rapid development of digitalization, which was characterized by the creation of new information and communication technologies aimed at optimizing the work of financial institutions, including banks.Thanks to such innovations, banks are able to work online, simplify work with large data sets, improve protection against cyberattacks and fraud, implement scoring systems, etc. That is why the authors' appeal to this topic is relevant and in demand today.The purpose of the research is to define, describe and describe in detail the key directions of using artificial intelligence in banking institutions of Ukraine and the world based on examples of real banks.Within the framework of this article, the main directions of using artificial intelligence (AI) in banking institutions were revealed, the key ones of which are: cyber security, chatbots, credit solutions, analysis of market trends, data collection and analysis, analysis of customer experience, risk manage-ment, compliance with regulations requirements, predictive analytics, process automation. Examples of the use of AI technologies by the world's leading banks are given, in particular: algorithms based on artificial intelligence, which are able to quickly detect a fraud attempt, used by the Danish bank "Danske Bank"; the use of chatbots, for example, the technological chatbot"Erica", which is implemented in the operations of the American bank "Bank of America"; scoring, examples of the use of this technology are the "ZAML" platform, which was developed by the American company "ZestFinance", as well as the scoring platform of the Swedish company "BehavioSec", etc. Taking this into account, the consequences of the introduction of artificial intelligence in the banking sphere for the banking institution, investors, customers and employees were revealed
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