AI mu kurwanya amafaranga
AI ifasha amabanki kubona agace gato k'ibikorwa bihisha amafaranga yinshinjabyaha muri miliyari zemewe.
Incamake
It matters because legacy rule-based systems flag far too many innocent transactions, wasting investigators' time and letting real laundering slip through.
Kwibira cyane
Kurwanya amafaranga (AML) nuburyo banki zimenya amafaranga ajyanye nibyaha nko gucuruza ibiyobyabwenge, uburiganya, n’iterabwoba. Sisitemu gakondo ikoresha amategeko ahamye - kurugero, ibendera ry'amafaranga ayo ari yo yose abitsa hejuru ya $ 10,000 - bitanga umubare munini wibimenyesha ibinyoma (akenshi 90-95% byimenyesha birangiye). AI ihindura uburyo wiga imyitwarire isanzwe isa kuri buri mukiriya no kubona gutandukana. Imashini yiga imashini itanga amanota kubikorwa, mugihe igishushanyo mbonera cyerekana ikarita ihishe imiyoboro ya konti yimura amafaranga muburyo bwahujwe. Gutunganya ururimi karemano rusuzuma amakuru nurutonde mugihe 'Menya umukiriya wawe'. Intego ni bike mubyiza byibinyoma, iperereza ryihuse, no gufata gahunda zinoze - nka 'smurfing' (kugabanya amafaranga menshi muri transfert nto) - ibyo byoroheje byoroshye kubura rwose.
Ubushishozi
Ubuhanga bubiri bwiganje. Ingero zagenzuwe (ibiti byongerewe imbaraga, ibiti byo mu mitsi) bigira ku bihe byashize byemejwe-byo kumesa kugirango batange ibicuruzwa bishya. Ariko uburiganya bwanditseho uburiganya ni gake, kubwibyo bidakurikiranwa gutahura no gushushanya imiyoboro yimitsi nayo ifite akamaro: bagereranya konti nkumutwe no guhererekanya nkimpande, kwerekana impeta, imiyoboro yinyumbu, nuburyo bwo gushiraho nta tegeko rya konti imwe ryashoboraga kubona. Ikemurwa ryibikorwa bihuza aliase na shell ibigo kuri silos yamakuru kuburyo umugizi wa nabi umwe adafatwa nkabakiriya icumi badafitanye isano.
Ingaruka z'Ingamba
Context and rules
Inganda zerekana niba ibitekerezo bya AI bikomeza guhura nukuri.
Kugenzura ubuziranenge
Imbogamizi za domeni zigira ingaruka zemewe namakosa yo kugenzura.
Build choices
Ibikorwa bigenda neza bihuza ubushobozi bwa tekiniki hamwe nakazi kambere.
Kazoza ka AI mu Kurwanya Amafaranga
Tegereza impinduka zijyanye no gufatanya kubungabunga ubuzima bwite: tekinike nko kwiga federasiyo hamwe na encryption ya homomorphic reka banki nyinshi zimenyereze moderi zisangiwe zitagaragaje amakuru yabakiriya, gufunga ahantu hatabona abagizi ba nabi bakoresha mugukwirakwiza ibikorwa mubigo. Abagenzuzi nabo basunika 'AI isobanurwa' kuburyo imanza zashyizwe ahagaragara zizana impamvu ziperereza numugenzuzi bashobora kwizera. Ibikorwa bya AI bizagenda byiyongera gukora raporo yibikorwa bikekwa mu buryo bwikora, mugihe abagizi ba nabi bakoresha ibikoresho bimwe kugirango bakore indangamuntu - isiganwa ryintwaro rikomeje.
Gushyira mu bikorwa Isi
HSBC yafatanije na Google Igicu cyo gukoresha AI bivugwa ko yasanze ibikorwa 2-4x biteye amakenga mugihe cyo guca imenyekanisha ryibinyoma, bikagaragaza miriyoni amagana yibikorwa buri kwezi.
Amabanki akoresha ibishushanyo mbonera kugirango yerekane 'imiyoboro yinyumbu' aho umuntu umwe ashakisha konti nyinshi kugirango atere kandi yimure amafaranga yibwe.
Izina rya NLP ryerekanwe kugenzura abakiriya ibihano byisi yose hamwe na lisiti-yerekanwa na politiki-yerekana abantu, ikemura itandukaniro ryimyandikire hamwe ninyuguti zinyuranye.
Imashini yiga ibyago-amanota yohereza insinga mugihe nyacyo bityo kohereza $ 9.800 (munsi yurwego rwo gutanga raporo) byagarutsweho kuri konti nyinshi bitera kwitonda.
Ingaruka & Kurinda
Ibisabwa kugenzurwa birashobora gutesha agaciro ubundi prototypes ikomeye.
Amakuru yamateka arashobora gushiramo kubogama byangiza abaturage.
Sisitemu yumurage irashobora gushiraho uburyo bwo kwishyira hamwe nibiciro byihishe.
Igishushanyo mbonera
Shyiramo abahanga ba domaine kuva ibibazo bitegura gusuzuma.
Shushanya inzira y'ubugenzuzi n'inyandiko mbere yo gutangira.
Emeza kubahiriza inshingano z'umutekano hakiri kare.
Kuzenguruka mu byiciro hamwe no guhagarara neza no kugaruka.
Komeza Ubushakashatsi
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Ubuyobozi bukurikira
Orateur Kurwanya Kurwanya na ASVspoof
Ibibazo bikunze kubazwa
What is AI in Anti-Money Laundering?
AI ifasha amabanki kubona agace gato k'ibikorwa bihisha amafaranga yinshinjabyaha muri miliyari zemewe. Ntacyo bivuze kuko sisitemu ishingiye kumurage yerekana ibendera ryinshi mubikorwa byinzirakarengane, guta igihe cyiperereza no kureka kunyereza.
Ni ikihe kibazo gikomeye na sisitemu gakondo ishingiye kuri AML sisitemu AI igamije gukemura?
Sisitemu ishingiye ku mategeko akenshi itanga ibiciro byiza-90% cyangwa birenga, gushyingura imyenda nyayo ikanguriwe abakiriya b'inzirakarengane. AI igamije kugabanya uru rusaku.
Ni iki 'guswera' (cyangwa imiterere) bivuga iki mu kunyereza amafaranga?
Smurfing isenya umubare munini mububiko buto cyangwa kwimura, buri munsi yumubare wamakuru, kugirango wirinde gukurura ibendera ryikora.
Ni ukubera iki ibishushanyo mbonera bifasha cyane muri AML?
Mugufata amakonte nkumutwe n'amafaranga atemba nkimpande, uburyo bwo gushushanya bugaragaza gahunda yo gutondekanya hamwe numuyoboro winyumbu amategeko ya konti imwe adashobora kumenya.
Niki Kumenya 'Kumenya Umukiriya wawe' (KYC) mubisanzwe ukoresha NLP?
NLP isuzuma ibihano byububiko, urutonde rwamakuru, hamwe namakuru yamakuru, ikemura itandukaniro ryizina hamwe nizina ryayo kugirango ibendera ryabantu bafite ibyago byinshi mugihe cyo kwurira.
Ni ukubera iki amakuru yanditseho amahugurwa ari ingorabahizi kuri moderi ya AML ikurikiranwa?
Kuberako imanza zemeza amafaranga ari nke, moderi zifite ingero nke nziza zo kwigiraho, zisunika amakipe kugana anomaly hamwe nuburyo butagenzuwe.