Zuwa gabaJagora na gaba
Shin AI zai maye gurbin ma'aikatan jinya?
Al'umma
JAGORAN AL'UMMA
Shin AI zai maye gurbin Masu Ba da Shawarar Kuɗi?
AI ba shi yiwuwa ya maye gurbin masu ba da shawara kan kuɗi gabaɗaya.
A wannan shafi4 min karatu
Dubawa
Masu ba da shawara na Robo sun riga sun sarrafa kayan aikin fayil, sake daidaitawa da girbi asarar haraji, amma yawancin abokan ciniki da ke da rikitattun kudade har yanzu suna biyan hukuncin ɗan adam, tsarawa da tsayayyen jagora a cikin mummunan kasuwanni. Mafi kyawun sakamako shine haɗakarwa: software tana sarrafa saka hannun jari na yau da kullun da takarda, kuma ƴan masu ba da shawara suna ba da ƙarin abokan ciniki ta hanyar mai da hankali kan tattaunawa da yanke shawara waɗanda ke da wahalar sarrafa kansa.
Zurfafa nutsewa
Aiki da kai na shawara ya fara da kyau kafin generative AI. Betterment and Wealthfront kaddamar a farkon 2010s, Schwab Intelligent Portfolios ya biyo baya a cikin 2015, kuma manyan kamfanoni da yawa yanzu suna ba da sabis na sarrafa kansa ko haɗaɗɗiyar. Waɗannan dandamali sun samar da bambance-bambancen, daidaita ma'auni na fayil mai arha kuma tare da ƙaramin ƙarami. Robo-advisors masu rijista tare da SEC masu ba da shawara ne na saka hannun jari kuma suna da aikin aminci iri ɗaya kamar masu ba da shawara na ɗan adam. Ma'aikatan SEC sun ba da jagora kan masu ba da shawara na robo a cikin 2017. Shawarar Robo ya girma, amma bai kawar da shawarar ɗan adam ba. Manyan cibiyoyi da yawa sun koma baya ko kuma sun haɗa samfuran robo na tsaye, yayin da ƙirar ƙirar ke ci gaba da girma. Dalilin shine abin da abokan ciniki ke biya a zahiri. Zaɓan fayil shine mafi sauƙi sashi don sarrafa kansa. Sassan da suka fi wahala sun haɗa da: daidaita kudaden shiga na ritaya a cikin asusun ajiyar kuɗi da asusun haraji, tsarawa game da siyar da kasuwanci, kisan aure ko gado, auna inshora da yanke shawara na ƙasa, da kuma kiyaye abokan ciniki daga yanke shawara na rai a mafi munin lokaci. Binciken "Alfa mai ba da shawara" na Vanguard ya ƙiyasta cewa masu ba da shawara za su iya ƙara kusan kashi 3 cikin 100 na koma bayan gida a wasu yanayi, tare da horar da ɗabi'a a matsayin mafi girman sashi guda. Vanguard ya lura wannan ba tsayayyen adadi bane na shekara. Kuskure na yau da kullun shine masu ba da shawara na robo sune "AI." Yawancin tsarin tushen ƙa'idodi ne waɗanda aka gina akan tambayoyin tambayoyi, ƙirar ƙira da sake daidaita ƙofofin, ba ƙirar ƙira ba. Generative AI yana da tasiri daban-daban: yana sa masu ba da shawara na ɗan adam su kasance masu amfani ta hanyar tsara bayanan taro, taƙaita takardu, shirya bita da amsa tambayoyin sabis na yau da kullum. Masu ba da shawara da suka fi fuskantar haɗari su ne waɗanda babban darajarsu ita ce zabar kuɗi, saboda software ta riga ta yi hakan cikin arha. Masu ba da shawara waɗanda ke yin shiri, aikin haɗin gwiwa da rikitattun matsalolin warwarewa an fi sanya su, musamman idan suna amfani da AI don hidimar ƙarin abokan ciniki a ƙaramin farashi.
Dabarun Tasiri
Haɗari da aminci
Bala'i da cutar AI ta yau da kullun duka sun dogara da wanda ya fahimci haɗarin kuma wanda zai iya yin aiki.
Shawarwari masu haske
Ilimin jama'a da na ƙwararru yana siffanta ko ƙaƙƙarfan manufofin aminci na yiwuwa a siyasance.
Yanke ta hanyar yayatawa
Bayyanar bayani yana rage kama ta hanyar zage-zage, dakin gwaje-gwaje PR, da gidan wasan kwaikwayo mara kyau.
Makomar AI AI zata maye gurbin masu ba da shawara na kuɗi?
Matsalolin kuɗi akan ainihin sarrafa fayil ɗin ƙila zai ci gaba, kuma kayan aikin AI yakamata ya bar kowane mai ba da shawara ya ba da ƙarin gidaje, wanda zai iya ba da shawara ga mutanen da ke da ƙananan ma'auni. Tattaunawar AI wanda ke ba da shawara ta keɓance yana haifar da tambayoyi marasa daidaituwa game da aikin amana, rikice-rikice na sha'awa da kulawa, kuma masu gudanarwa ba su gama aiwatar da waɗannan ba. Matsayin masu ba da shawara zai yuwu ya ci gaba da jujjuya zuwa tsarawa, haraji da haɗin kai, da kuma taimaka wa abokan ciniki su tsaya kan tsari, yayin da saka hannun jari na yau da kullun ya zama kayayyaki mara tsada.
Aiwatar da Gaskiyar Duniya
Dan shekaru 25 yana buɗe asusu tare da mai ba da shawara na robo-yar kuɗi wanda ke gina fayil ɗin ETF daga ɗan gajeren tambayoyin, sake daidaitawa ta atomatik kuma yana girbi asarar haraji a cikin asusun haraji.
Mai ritaya yana amfani da sabis ɗin haɗaɗɗen sabis kamar Vanguard Keɓaɓɓen Advisor. Algorithms suna sarrafa fayil ɗin, kuma mai ritaya zai iya saduwa da mai ba da shawara ga ɗan adam don tsara cirewa da lokacin Tsaron Jama'a.
Mai ba da shawara yana amfani da mai ɗaukar bayanan AI don tsara taƙaitaccen taro da jerin abubuwan biyo baya. Mai ba da shawara ya gyara kuma ya yarda da shi kafin ya shiga cikin CRM ko ga abokin ciniki.
A lokacin faɗuwar kasuwa mai kaifi, abokin ciniki ya kira mai ba su shawara yana so ya sayar da komai. Mai ba da shawara yana tafiya cikin shirin kuma yayi magana da su daga kulle-kullen asara, wanda babu sanarwar app da ta yi.
Hatsari & Tsare-tsare
Magance haɗarin wanzuwa azaman sci-fi yayin da abubuwan iyawa.
Amintaccen samfur mai ruɗani tare da jeri ƙarƙashin babban ikon kai.
Barin waɗanda ba Ingilishi ba da ƙwararrun masu sauraro tare da tushe masu ƙarancin inganci kawai.
Taswirar Hanya
Rarrabe lahani na samfur, rashin amfani, da hasarar sarrafa-haɗari / rashin daidaituwa.
Tambayi wane shaida zai canza ra'ayin ku akan jerin lokuta da tsanani.
Fi son tushe na farko da tabbataccen kimantawa akan da'awar tallace-tallace.
Gano hanyar aiki ɗaya: aiki, manufa, kuɗi, ko ƙwarewa - ba kawai sani ba.
Ci gaba da Bincike
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Tambayoyin da ake yawan yi
Shin AI zai maye gurbin Masu Ba da Shawarar Kuɗi?
AI ba shi yiwuwa ya maye gurbin masu ba da shawara kan kuɗi gabaɗaya. Masu ba da shawara na Robo sun riga sun sarrafa aikin ginin fayil, daidaitawa da girbi asarar haraji, amma yawancin abokan ciniki da ke da rikitattun kudade har yanzu suna biyan hukumcin ɗan adam, tsarawa da tsayayyen jagora a cikin mummunan kasuwanni. Mafi kyawun sakamako shine haɗakarwa: software tana sarrafa saka hannun jari na yau da kullun da takarda, kuma ƴan masu ba da shawara suna ba da ƙarin abokan ciniki ta hanyar mai da hankali kan tattaunawa da yanke shawara waɗanda ke da wahalar sarrafa kansa.
Menene dole mai ba da shawara robo ya guje wa lokacin da ya sami asarar haraji ta hanyar siyar da asusu?
Yana siyan irin wannan asusu amma ba daidai ba ne don haka asarar ba ta da izinin a ƙarƙashin dokar siyarwa.
Bisa ga jagorar, ta yaya yawancin masu ba da shawara na robo suke yanke shawara a zahiri?
Jagoran ya kira shi kuskuren cewa masu ba da shawara na robo sune AI. Yawancin tsarin tushen ƙa'idodi ne.
Menene matsayi na ka'idoji na robo-advisors rajista tare da SEC?
Masu ba da shawara na robo masu rijista sune masu ba da shawara na saka hannun jari a ƙarƙashin Dokar Masu ba da shawara kuma suna da wajibai iri ɗaya na amana.
A cikin bincike na Alpha na Vanguard, wane ɓangaren ƙimar mai ba da shawara ne ya fi girma guda ɗaya?
Vanguard yana sanya horarwar ɗabi'a, wanda ke hana abokan ciniki yanke shawara na tunani, a matsayin mafi girman ɓangaren kiyasin kusan kashi 3 cikin ɗari.
Wane aiki jagorar ya kwatanta da wahalar sarrafa kansa?
Matsalolin rayuwa masu rikitarwa suna buƙatar hukunci, daidaitawa da amana, waɗanda software na yanzu ba ta da kyau.
Ci gaba da koyo
Jagora masu alaƙa
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