Ungayisebenzisa kanjani i-AI ukuphatha ezezimali njenge-CFO esezingeni eliphezulu

Amaqembu ezezimali avame ukucela i-AI ifingqe imiphumela yenyanga edlule. Isifinyezo esisheshayo siyasiza, kodwa asibuyisi isikhathi sokwenza isinqumo esesidlulile. Umbuzo owusizo kakhulu uthi: Yini eshintshayo manje, yini engayichaza, futhi yisiphi isinqumo esisengasenza?

Lona ngumgomo oyisisekelo encwadini yami ethi The Impact of AI in Financial Decisions. I-AI ingahlela ubufakazi, ibale izimo ezingase zenzeke, iphinde iphonse inselelo esincomweni. Akufanele yona yodwa iguqule incazelo ezwakala inengqondo ibe yisenzo sezimali esigunyaziwe. I-CFO enekhono isebenzisa leli thuluzi ukunciphisa isikhathi phakathi kokubona ushintsho nokwenza isinqumo somuntu esisekelwe ebufakazini.

Iphesenti lenzuzo elingcono lafihla ukushoda kwenzuzo ephelele

Isahluko 5 siqala ngeqembu lezezimali eliletha ukuhlaziywa kokwehluka kwemiphumela yenyanga edlule ngosuku lwe-12 lwenyanga elandelayo. Ngaleso sikhathi ibhizinisi seliphakathi nenye inyanga yokusebenza. Kamuva incwadi inikeza isibonelo sokudayisa esiyisifaniso: imali engenayo ebihlelelwe izigidi ezingama-$50 ngephesenti lenzuzo ephelele elingu-40%, kodwa imali engenayo yangempela yaba yizigidi ezingama-$46 ngephesenti elingu-42%. Iphesenti ladlula uhlelo ngamaphuzu amabili, kodwa inzuzo ephelele yaba yizigidi ezingama-$19,32 esikhundleni sezigidi ezingama-$20 ebezihleliwe—ukushoda kwama-$680 000. Lezi yizibalo zesibonelo sencwadi, hhayi imiphumela ethenjiswa kunoma yiliphi ibhizinisi.

Iphesenti lodwa lingaholela ekubongeni; ukushoda kwemali engenayo kukodwa kungaholela ekwehliseni amanani kuyo yonke imikhiqizo. Kodwa akukho kulokho okuyisinqumo esicabangisiswe kahle. Isimo sencwadi siphinde sikhulume ngokwehla kwabavakashi bezitolo, amaphromoshini akhanseliwe nokukhula kokuthengisa ku-inthanethi. Umholi wezezimali kudingeka aqinisekise ukuthi isici ngasinye sinomthelela ongakanani, ukuthi lowo mthelela uzoqhubeka yini, nokuthi impendulo ephakanyisiwe izoyithinta kanjani inzuzo ngeyunithi ngayinye nokheshi. I-AI ingalungiselela lolu phenyo ngesikhathi kusenokwenzeka ukushintsha iphromoshini elandelayo noma ukwabiwa kwesitoko.

1. Qala ngesinqumo, hhayi ngebhodi lezinombolo

Bhala isinqumo ngomusho owodwa: “Siyalushintsha yini uhlelo lwamaphromoshini lwamasonto amabili azayo, sisabalalise kabusha isitoko, noma siqhubeke njengoba sinjalo ngesikhathi sihlola isidingo?” Faka umnqamulajuqu, umuntu obhekele isinqumo nemingcele. Ibhodi lezinombolo likhombisa okwenzekile; lo mbuzo utshela iqembu lezezimali ukuthi lobu bufakazi budingeka ngaphambi kokukhetha.

Nikeza ithuluzi le-AI eligunyaziwe iqoqo elincane lemininingwane elilawulwayo: imiphumela yangempela nesabelomali esingaqhathaniswa nayo, amayunithi nentengo emaphakathi, izinhlobo zemikhiqizo nezindlela zokuthengisa, izaphulelo, isitoko kanye nezisekelo zesibikezelo samanje. Bhala umthombo nesikhathi sefayela ngalinye. Ungafaki imininingwane eyimfihlo yamakhasimende kumathuluzi angagunyaziwe. Cela imodeli ikhombise okushodayo ngaphambi kokuphakamisa impendulo.

2. Hlukanisa ushintsho nencazelo yalo

Umsebenzi wokuhlaziya ukwehluka encwadini uhlukanisa izinguquko ngokuthi zivela esikhathini, enanini lamayunithi, entengweni noma esilinganisweni, noma ekuxubeni kwemikhiqizo. Sebenzisa lo mehluko ekuhloleni ukushoda kwemali engenayo. Ingabe amakhasimende ambalwa athenge? Athenge amayunithi ambalwa? Intengo yangempela yehle? Noma kushintshe izinhlobo zemikhiqizo ethengisiwe? I-oda elibambezelekile alifani nekhasimende elilahlekile, nakuba kokubili kunganciphisa imali yale nyanga.

Cela i-AI yenze amakholomu amabili: “okuqinisekiswe amarekhodi anikeziwe” kanye “nencazelo engase ibe yiqiniso kodwa edinga ukuqinisekiswa”. Cela izibalo nemigqa yedatha esekela isitatimende ngasinye. Iqembu lezezimali kufanele liphinde libale amanani ngokuzimela, bese libuza abasebenzi bokuthengisa, ukusebenza nabanakekela amakhasimende ukuthi yini amarekhodi angayikhombisi. Uma izikhathi, izincazelo noma idatha engathathwa ezinhlelweni kungaqhathaniseki, misa ukuhlaziya ulungise lokho kuqala.

3. Yenza impendulo oyithandayo ivivinywe ngokuphikiswa

Ake sithi umqondo wokuqala ukwehlisa amanani kabanzi. Cela i-AI yenze ukuphikisa okuqinile. Mangaki amayunithi engeziwe adingekayo ukuze kubuyiswe inzuzo ephelele elahleka ekuthengiseni ngakunye? Ingabe izaphulelo zizovele zilethe ngaphambili ama-oda abezofika noma kunjalo? Ingabe ukunikezwa okuqondiswe kubathengi abathile, ukuhambisa isitoko, ukulandela amakhasimende noma ukungangeneleli kungaletha umphumela ongcono? Yisiphi isisekelo esingashintsha isincomo?

Lapha kubalulekile umkhuba we-CFO esezingeni eliphezulu: sebenzisa i-AI ngesikhathi isinqumo sezindleko, samanani noma sokwabiwa kwezinsiza sisengashintshwa. Ungayiceli imodeli “ikhethe ophumelelayo” ngedatha eqanjiwe. Yinike izibalo ezigunyaziwe, ucele isimo esivamile nesibi, bese ikhombisa umkhawulo lapho izinketho zilingana khona. Ngemva kwalokho, ezezimali nomnikazi webhizinisi banquma ukuthi ukuhlola okuncane okulinganisekayo kuyafaneleka yini.

4. Faka nokheshi engxoxweni efanayo

Indaba enhle ngenzuzo ingafihla inkinga yokheshi. Ingxenye yencwadi ekhuluma ngokuphathwa kokheshi ibheka ubudala bezikweletu zamakhasimende, izinhlelo zokukhokha abahlinzeki, imijikelezo yamaholo nezikhathi zonyaka njengedatha yesibikezelo sokheshi. Umsebenzi wesibikezelo esibuyekezwa njalo ucela umhlaziyi avuselele umbono wokuphela konyaka uma kufika imiphumela nezisekelo ezintsha. Hlanganisa le mibono: uma ukuthengisa kushintsha, kwenzekani ekuqoqweni kwemali, kukheshi oboshwe esitokweni, ezinkokhelweni zabahlinzeki nasesibikezelweni esilandelayo?

Cela i-AI uhlu olufushane lwezinto ezingajwayelekile, hhayi udonga lwamashadi: yiluphi ushintsho olubalulekile, ukheshi ungaluzwa nini, buphi ubufakazi obusekela ukulinganisa, futhi yini okufanele iqinisekiswe ngabantu abaphethe umsebenzi? Imodeli ingabhala isimo esingase senzeke; ithimba lokuphatha ukheshi nelekuhlelela ezezimali kumele liqinisekise izikhathi nezibalo. Imali engenayo ebambezeleke nje idinga impendulo ehlukile kunokwehla kwesidingo okuqhubekayo.

5. Guqula ukuhlaziya kube yisinqumo esinosuku lokubuyekeza

Phetha ngenothi lesinqumo lekhasi elilodwa: okukhethiwe, ezinye izindlela ezicatshangiwe, ubufakazi, izisekelo ezibaluleke kakhulu, umuntu onegunya lokugunyaza kanye nosuku lokubuyekeza umphumela. Tshela iqembu ukuthi yini elingayenza manje nokuthi yini esadinga imvume ye-CFO noma yomnikazi webhizinisi. Esibonelweni sokudayisa, iphuzu lokubuyekeza lingaba ama-oda esonto elilandelayo elingaqhathaniswa, inzuzo ngeyunithi, indlela amakhasimende asabela ngayo ephromoshini nokuqoqwa kwemali—hhayi isithembiso esingacacile sokuthi “sizobheka ukusebenza”.

I-AI ingalungisa inothi futhi ikhombise okungahambisani. Umuntu uhlola ubufakazi, akhulume namaqembu athintekayo, athwale umthwalo wesinqumo sokugcina. Lokhu kwahlukaniswa komsebenzi kubalulekile encwadini: ukuhlaziya okungcono kufanele kuqinise ukwahlulela kwezezimali, kungafihli ukuthi ubani onesibopho.

Umyalo ongawusebenzisa ngezinombolo zebhizinisi lakho

Faka isinqumo sangempela samanje ethuluzini eligunyaziwe. Susa noma unciphise imininingwane eyimfihlo, chaza umthombo wenani ngalinye, bese ucela umphumela ongahlolwa. Umyalo ongezansi uyisiqalo, awuthathi indawo yedatha eqhathanisiwe neqinisekisiwe noma imvume yochwepheshe wezezimali.

Yenza njengomlingani wokuhlela ezezimali ongabaza izisekelo.
Isinqumo sethu sithi [okukhethiwe] ngaphambi kuka-[usuku]. Sebenzisa kuphela
imiphumela, isabelomali, isibikezelo nezisekelo ezigunyaziwe ezinamathiselwe.

1. Phinda ubale izinguquko ezibalulekile, ubonise ifomula nomthombo ngamunye.
2. Hlukanisa ukwehluka ngokwesikhathi, umthamo, intengo/isilinganiso noma
   ukuxubana kwemikhiqizo lapho ubufakazi bukuvumela.
3. Hlukanisa amaqiniso aqinisekisiwe nezimvo ezingakahlolwa; chaza okudingekayo.
4. Qhathanisa okungenani izimpendulo ezintathu, kuhlanganise nokuhlola okuncane
   okungahlehliswa kanye nokungashintshi lutho.
5. Khombisa umphumela ojwayelekile nomubi enzuzweni ephelele, esikhathini
   sokuthola ukheshi nasekuthembekeni kwamakhasimende.
6. Phikisa inketho esiyithandayo: yisiphi isisekelo esingayenza ingalungi?
7. Bhala inothi lesinqumo elinomuntu obhekele, umngcele wemvume nosuku
   lokubuyekeza. Ungaqambi idatha engekho, ungashintshi amarekhodi futhi
   ungagunyazi isenzo.

Qala ngesinqumo esisodwa kuleli sonto. Uma lo msebenzi uletha isifinyezo esihle kuphela, yenza umbuzo ucace kakhudlwana kuze kuvele ukukhetha, ukungaqiniseki nendlela yokuhlola. Inhloso ukunikeza abantu bakho isikhathi sokuthatha isinyathelo ngaphambi kokuba ukuvalwa kwezincwadi okulandelayo kuguqule ithuba lanamuhla libe yincazelo yenyanga edlule.

P.S. Amaqembu ezezimali azuza kakhulu ku-AI uma eyisebenzisa ezinqumweni ezisengashintshwa. Bhukha ingxoxo yokuqala nathi ukuze sakhe indlela yokusebenza esekelwe ezibalweni zakho zangempela, ohlelweni lwakho lwezimvume nasemiphumeleni ebalulekile ebhizinisini lakho.