Kungani wonke uchwepheshe wezezimali kudingeka aqonde kahle i-AI

Uhlelo lwe-AI lungakhiqiza incazelo yezezimali ekholisayo ngemizuzwana. Ikhono elibalulekile ukwazi ukuthi leyo ncazelo kufanele yini ibe nomthelela esinqumweni.

Yingakho wonke uchwepheshe wezezimali kudingeka aqonde kahle i-AI. Lokhu kusho ukwakha umbuzo owusizo, ukunikeza ubufakazi obufanele, ukuhlola umphumela nokwamukela umthwalo wemfanelo ngalokho okwenzeka ngemva kwalokho. Akudingi ukuthi wonke umuntu abe unjiniyela wesofthiwe.

Incwadi yami ezayo, The Impact of AI in Financial Decisions, ihlola lokhu ngemiyalelo ye-AI esebenzisekayo nezimo zokwenza izinqumo. Lezi zibonelo ezintathu zibonisa ukuthi kungani ulwazi lwe-AI kufanele luhambisane nolwazi lwezezimali.

1. Iphesenti lenzuzo elingcono lisengasho inzuzo ephelele encane

Isahluko 5 siveza isibonelo sophiko lokudayisa olunemali engenayo ebihlelelwe izigidi ezingu-$50 kodwa lwathola izigidi ezingu-$46. Iphesenti lenzuzo ephelele lenyuka lisuka ku-40% obuhleliwe liya ku-42% wangempela: imali engenayo ingaphansi kwesabelomali ngo-8%, kuyilapho iphesenti lenzuzo lithuthuka ngamaphuzu amabili.

Incazelo eyenziwe yi-AI ingagcizelela iphesenti lenzuzo elingcono. Uchwepheshe wezezimali kufanele abale futhi: inzuzo ephelele ebihleliwe ibiyizigidi ezingu-$20; eyangempela ibe yizigidi ezingu-$19,32. Lokho kusho inzuzo ephelele engaphansi ngo-$680 000, naphezu kwephesenti lenzuzo eliphakeme. Lezi zibalo zibalwe kusetshenziswa isibonelo sencwadi; aziyona imiphumela yamakhasimende.

Incwadi inikeza izizathu zebhizinisi ezingaba khona, okuhlanganisa ukwehla kwenani labavakashela izitolo nokukhanselwa kwezaphulelo zokukhuthaza ukuthenga. Umsebenzi owusizo ukuhlanganisa izizathu eziqinisekisiwe nezinombolo, ukuhlukanisa iphesenti lenzuzo nenani lenzuzo ephelele, nokuchaza imiphumela. Isigaba esibhalwe kahle sisodwa asibona ubufakazi obanele.

2. Thola imbangela yomehluko ngaphambi kokuncoma isenzo

Omunye umsebenzi wesahluko 5 uhlukanisa umehluko phakathi kwesabelomali nemiphumela ngokwesikhathi, ubuningi, intengo noma isilinganiso, kanye nengxube yemikhiqizo noma amakhasimende. Lokhu kubalulekile: i-oda elibambezelekile nekhasimende elilahleke unomphela kungadala ukushoda kwemali engenayo okufanayo, kodwa kudinge izimpendulo ezihlukene.

Emsebenzini wokuqeqeshwa, umhlaziyi angacela i-AI ukuthi ihlukanise umehluko isebenzisa idatha egunyaziwe nesuswe imininingwane ekhomba abantu, iveze ubufakazi bencazelo ngayinye, futhi ibhale imibuzo engakaphendulwa. Umhlaziyi ube eseqhathanisa futhi eqinisekisa izibalo, aqinisekise nezimbangela eziphakanyisiwe nabantu bebhizinisi. Lokhu kungasiza izingxoxo zigxile ekulahlekeni kwemali engenayo, ekugcineni amakhasimende nasezindlekweni ezingagwenywa. Akuguquli incazelo engakaqinisekiswa ibe yiqiniso.

3. Sebenzisa i-AI ukuphikisa isincomo

Incwadi yokuzilolonga ngokutshalwa kwezimali icela abafundi ukuthi banike i-AI indima yomuntu ongasheshi akholwe, bese beyicela izizathu eziqinile eziphikisana nombono wokuthi utshalomali luzokhula. Iphinde ibuze ukuthi yikuphi ukuchema kokucabanga okungaba nomthelela ekuhlaziyeni.

Indlela efanayo iyasiza lapho kuxoxwa ngokuthenga enye inkampani, ngesiphakamiso sentengo noma ngephrojekthi yokutshalwa kwezimali. Buza ukuthi yini engenza isincomo singasebenzi, yikuphi okucatshangelwayo okubuthaka kakhulu, nokuthi yibuphi ubufakazi obungashintsha isinqumo. I-AI ingasiza ekwakheni izizathu zokuphikisa; ochwepheshe bezezimali kufanele bahlole imithombo yazo nokufaneleka kwazo. Umgomo yisincomo esingamelana nokuhlolwa, hhayi ukugunyazwa ngumshini.

Inzuzo yokuncintisana isemsebenzini ozungeze impendulo

Umsebenzi wokulungela umsebenzi esahlukweni 7 uhlola ukuvalwa kwama-akhawunti kwanyanga zonke, ukuhlaziywa komehluko, izibikezelo kanye nezethulo kumqondisi wezezimali. Ucela umfundi ukuthi ahlole ukuthi yimiphi imisebenzi engase yenziwe yi-AI, bese akha uhlelo lokuzithuthukisa. Lesi yisiqalo esiwusizo kunokubheka sonke isikhundla njengokuvikelekile noma esesiphelelwe isikhathi.

Njengoba ukulungiselela okuvamile kuba lula ukukwenza ngokuzenzakalela, umehluko omkhulu uvela ekuchazeni inkinga, ekuqondeni ibhizinisi, ekuphikiseni okucatshangelwayo, ekuchazeni izinzuzo nemiphumela yezinketho, nasekwamukeleni umthwalo wemfanelo. Umuntu ohlanganisa ubuchwepheshe bezezimali nala makhono e-AI angaletha izinketho ezihlolwe kangcono engxoxweni, kunokuba achithe sonke isikhathi sakhe ehlanganisa uhlaka lokuqala.

Qala ngomsebenzi owodwa bese ulinganisa umehluko

Khetha umsebenzi ophindaphindwayo onomuntu ocacile obhekele wona nesinyathelo sokuwubuyekeza. Bhala ukuthi uthatha isikhathi esingakanani manje nokuthi udinga ukulungiswa kangaki. Sebenzisa kuphela idatha namathuluzi agunyazwe yinhlangano yakho. Yakha umyalelo ochaza umongo, ubufakazi, umsebenzi, indlela umphumela okufanele wethulwe ngayo nemingcele; bese uqhathanisa umphumela nesilinganiso esihloliwe.

Linganisa isikhathi sokubuyekeza kanye nesokubhala. Landela ukunemba, umsebenzi odinga ukwenziwa kabusha nokuthi umphumela usize yini umuntu ukwenza isinqumo esingcono. Kumathuba emali engenayo noma ekunciphiseni izindleko, qinisekisa okucatshangelwayo ngebhizinisi nezindleko zokusebenzisa isixazululo ngaphambi kokuthi uthi kunenzuzo. Imiyalelo engcono ivula amathuba; ukusebenza ngendlela ehlelekile kunquma imbuyiselo.

Yakha amakhono ngaphambi komnqamulajuqu olandelayo

Ukuqeqeshwa kwe-Copiloted okwenzelwe wena kusiza abantu namaqembu ukuzilolonga ngale ndlela yokusebenza nochwepheshe abanolwazi lwe-AI nezezimali. Sigxila emisebenzini yangempela, emibuzweni ebalulekile nasemiphumeleni engaqinisekiswa, nokubonisana okulandelayo okukhethwayo ukuze kusetshenziswe okufundiwe.

Letha inselele eyodwa yezezimali engxoxweni yokuqala yamahhala. Singaxoxa ngeshabhu esebenzisekayo ehambisana nendima yakho, iqembu lakho nezinqumo ofuna ukuzithuthukisa. Ungafunda futhi isingeniso sencwadi.