Umthelela we-AI ezinqumweni zezimali

Lapho umshini ushesha, kodwa isinqumo sisengesesakho

Cabanga ngohlelo lwe-AI olungagunyaza isikweletu ngemizuzwana, luthole ukukhwabanisa ngaphambi kokuba umhlaziyi ongumuntu akubone, lulinganise kabusha izinkulungwane zamaphothifoliyo okutshalwa kwezimali ngesikhathi esisodwa futhi luchaze umehluko wemiphumela yekota ngaphambi kokuba ithimba lezezimali liqede ikhofi lalo lokuqala.

Manje cabanga ukuthi lolo hlelo lwenqaba ukunikeza isikweletu ngokuzethemba kodwa ngesizathu esingalungile, luphendula ku-deepfake, luqamba imfuneko yomthetho noma lwenza izinkulungwane zokuhweba okungalungile ngaphambi kokuba othile acindezele inkinobho yokumisa.

Yilokho okungakhululekile okuyiqiniso ngemuva kwenguquko ye-AI kwezezimali: ubuchwepheshe bungasebenza ngesivinini somshini, kodwa imiphumela ifika ngezinga labantu.

Incwadi yami ezayo, i-The Impact of AI in Financial Decisions, imayelana nalelo gebe. Akuyona incwadi yokubhala ikhodi yososayensi bedatha, futhi akuyona enye ingxoxo yemibono egcwele amagama asemfashinini nge-AI. Iyisiqondiso esisebenzisekayo sabaholi bezezimali, abaphathi, abeluleki nabasebenza kulo mkhakha okufanele banqume ukuthi i-AI ifanele kuphi, kufanele isetshenziswe kanjani, nokuthi umuntu kufanele angenelele nini.

Okubaluleke kakhulu, ibheka lezo zinqumo ngeso lokwakha imiyalelo ye-AI. Hhayi njengobuciko bokujabulisa abantu, kodwa njengendlela ehlelekile yokucabanga, yokubuza ngezisekelo ezicatshangwayo, yokudalula ubungozi nokuthola umsebenzi owusizo ku-AI ekhiqizayo.

Kusukela enguqukweni ye-AI kuya ezinqumweni zezimali zangempela

Incwadi iqala ngezisekelo: ukuthi i-AI isho ukuthini ngempela kwezezimali, ihluke kanjani ekwenzeni imisebenzi ngokuzenzakalela okujwayelekile, nokuthi kungani izikhungo zezezimali zingeke ziyiphathe njengolunye uhlelo lwe-IT olufakwayo nje.

Sizohlola yonke impilo yephrojekthi ye-AI yezezimali, kusukela ekuchazeni inkinga nasekuhloleni idatha kuya ekuqinisekiseni ukusebenza kwemodeli, ekuyiqaliseni, ekuqapheni ukushintsha kokusebenza kwayo nasekunqumeni ukuthi umbukiso womphakeli ohlaba umxhwele uyifanele yini imali yakho.

Kukhona nombuzo osebenzisekayo wokuphathwa nokuqondiswa ohamba nayo yonke incwadi: ubani oziphendulelayo lapho imodeli ingalungile? Nansi impendulo kusenesikhathi: akuyona i-algorithm.

Amabhange asebenzela amakhasimende ngabanye, izikweletu nolwazi lwamakhasimende

Emabhange asebenzela amakhasimende ngabanye, i-AI inganciphisa izinqumo ezake zathatha amasonto ziye emizuzwini. Ingasekela ukuhlolwa kokunikezwa kwezikweletu, ithole ukukhwabanisa, ivumelanise ukuxhumana nezidingo zekhasimende ngalinye, iqhube izinhlelo ezincoma isinyathelo esilandelayo esifanele futhi isize amathimba ezinsizakalo aphendule ngezinga elikhulu.

Kodwa ukushesha akusho ngokuzenzakalela ukuba nobulungisa. Incwadi ihlola amamodeli ezikweletu okungabonakali ukuthi afika kanjani ezinqumweni, idatha evela kweminye imithombo, ukucwasa ngezinkomba ezingaqondile, i-AI echazekayo, izaziso zezinqumo zezikweletu ezingavuni ikhasimende, ama-chatbot, nokulinganisela okunzima phakathi kokwenza isevisi ihambisane nomuntu ngamunye nokuvikela ubumfihlo.

Sizobheka okwenzekayo lapho ibhange likwazi ukwenza isinqumo ngokushesha kodwa lingakwazi ukusichaza ngokwanele ekhasimendeni noma kumlawuli.

Ukuphathwa kokutshalwa kwezimali nokuhweba

I-AI iphinde ishintshe indlela ochwepheshe bokutshalwa kwezimali abacwaninga ngayo izinkampani, bahlaziye izingxoxo zemiphumela yezimali, bahumushe idatha evela kweminye imithombo, bakhe amaphothifoliyo futhi baphendule emizweni yemakethe.

Ithuba likhulu kakhulu, kodwa nezindlela zokwehluleka ziningi. Uhlelo lwe-AI lungathola isignali abantu abangayibonanga; lungaphinde lukhulise ukulandela isixuku, luzivumelanise ngokweqile nedatha yakudala, luthathe umsindo we-inthanethi njengolwazi oluwusizo noma luphendule olwazini oluguqulwe ngamabomu ngaphambi kokuba iqiniso livele.

Ingxenye yokutshalwa kwezimali ihlola ukuphathwa kwamaphothifoliyo, ukweluleka okuzenzakalelayo, ukuhweba ngama-algorithm, ukuhlaziywa kwemizwa yemakethe, idatha evela kweminye imithombo nendima ye-AI yokuphikisa nokuhlola imibono yethu yokutshalwa kwezimali.

Ubungozi, ukuthobela imithetho nobugebengu bezezimali

Ekuphathweni kobungozi, isithembiso nengozi ye-AI kuba sobala kakhulu.

Incwadi ihlanganisa ukutholwa kokukhwabanisa, ukuhlaziywa kokulwa nokushushumbiswa kwemali, ukuthobela imithetho, ubungozi bamamodeli, ukuphepha kwe-inthanethi, ukuhlolwa kwezimo ezinzima kanye nosongo olukhulayo lwama-deepfake nokufakiwe okuklanyelwe ukukhohlisa amamodeli.

I-AI inganciphisa izinqwaba zezexwayiso ezingamanga futhi isize abaphenyi bathole amaphethini abantu abebengeke bawabone. Ingaphinde ilethe ubungozi obusha obuthinta lonke uhlelo lapho izikhungo eziningi zincike kumamodeli afanayo, kudatha efanayo nasekuphenduleni okuzenzakalelayo okufanayo.

Ezezimali zezinkampani namasu

Ushintsho alugcini emabhange nasezimakethe. Ezezimali zezinkampani zisebenzisa i-AI ekuguquleni ukubikezela, ukuhlela nokuhlaziya izimali, ukuphathwa kwezimali ezikhona, ukuvalwa kwama-akhawunti okuqhubekayo, ukucubungula imibhalo, ukubika kubaphathi nezinqumo zamasu ezifana nokuhlanganiswa nokuthengwa kwezinkampani.

Sizohlola lapho i-AI ingasusa khona umsebenzi ophindaphindwayo, lapho ingathuthukisa khona ukubona kusengaphambili, nalapho umphumela obonakala unegunya ungafihla khona buthule isisekelo esicatshangwayo esingalungile.

Isibikezelo esihlelwe kahle kakhulu sisalokhu singalungile uma izinombolo ezingaphansi kwaso zingenangqondo.

Isimilo, ukuphathwa nokuqondiswa, kanye nokuqapha komuntu

Ingxenye enkulu yencwadi ibhekana nemibuzo izinhlangano ezivame ukulingeka ukuyihlehlisa: ukuchema, ubulungisa, ukuchazeka, ubumfihlo, ukuziphendulela, ukubeka izinto obala nokuqapha komuntu.

Yini okufanele i-AI ivunyelwe ukuyinquma? Yiziphi izinqumo ezidinga ukugunyazwa umuntu? Sihlola kanjani imiphumela engenabulungisa? Siyibuza kanjani imodeli ebonakala inembile ngokujwayelekile kodwa ilimaza iqembu elithile?

Lezi akuzona izingxoxo zesimilo ezingathinti impilo. Kwezezimali, zithinta ukuthi ubani othola isikweletu, ukuthengiselana kukabani okuvinjwayo, iphothifoliyo kabani echayeka ebungozini nokuthi ubani okhokhela izindleko lapho uhlelo lwehluleka.

Okulandelayo

Ingxenye yokugcina ibheka phambili ku-AI esebenzisa ama-agent, izinhlelo zezimali ezizimele, izinsizakalo zezimali ezifakwe ngaphakathi kwezinye izinsizakalo, amakhompyutha e-quantum, izinhlobo ezintsha zokukhwabanisa namakhono ochwepheshe bezezimali abazowadinga njengoba umsebenzi wokuhlaziya ojwayelekile uya ngokuya uzenzakalela.

Incwadi ihlanganisa nencwadi yokusebenza egcwele imiyalelo, izivivinyo, izimo zokwenza izinqumo nesimo esibucayi sokugcina esihilela i-agent ezimele yokuhweba ephendula esimemezelweni esiyi-deepfake. Inhloso akukhona nje ukukutshela ukuthi i-AI ingenzani. Ukukusiza ucabange ngalokho okufanele ikwenze, okungahamba kabi nokuthi ungaphendula kanjani.

Lesi sihloko siyisiqalo sochungechunge olusha. Ezihlokweni ezizolandela, ngizothatha lezi zihloko ngasinye ngiziguqule zibe izingxoxo ezisebenzisekayo, izibonelo nemiyalelo ochwepheshe bezezimali abangayisebenzisa emsebenzini wangempela.

Ngokungangabazeki, i-AI izokwenza ingxenye enkulu yokuhlaziya. Ingase income isinyathelo, ibhale incazelo futhi yenze nezingxenye zenqubo. Kodwa ukwahlulela, ukuziphendulela nezimiso ezingemuva kwesinqumo sokugcina kusengokwethu.

Umshini usulungile. Umbuzo obaluleke kakhulu ukuthi thina silungile yini.