Incamake
AI mukwandika inguzanyo ikoresha imashini yiga imashini kugirango ihitemo uwabona inguzanyo, ku gipimo cyinyungu, hamwe nangahe, akenshi yihuta kandi ikoresha amakuru menshi kuruta amanota gakondo. Ntacyo bivuze kuko ibi byemezo bigira uburyo bwo kubona inguzanyo, amakarita, nigishoro giciriritse, kandi bitwara ubutabera nukuri byemewe n'amategeko.
AI muburyo bwo gutanga inguzanyo ikoresha AI mubidukikije byihariye aho amabwiriza, ibikorwa, no kwihanganira ingaruka bigira uruhare runini muguhitamo ibishushanyo.
Kwibira cyane
Mu myaka ibarirwa muri za mirongo, gutanga inguzanyo byashingiraga ku manota yoroshye hamwe n'amanota yo mu bwoko bwa FICO yubatswe mu mateka y'ibiro by'inguzanyo. AI yagura ibi ikoresheje izindi mpinduka nyinshi, nkamakuru-yinjiza amafaranga kuva kuri konti ya banki, amateka yo kwishyura, ndetse rimwe na rimwe andi makuru, kugirango hamenyekane ko bishoboka byanze bikunze. Ibi birashobora gutanga inguzanyo kubasabye 'buke-dosiye' bafite amateka mato gakondo. Ariko nanone bitera ingaruka zikomeye: abanyamideli barashobora kwiga kuvangura na proksi, aho ibintu bimeze nka code ya ZIP bihagaze kumoko, kurenga ku mategeko aguriza inguzanyo nkamategeko yo muri Amerika angana inguzanyo. Abagenzuzi basaba abatanga inguzanyo guha abasaba impamvu zihariye zo guhakana (amatangazo y'ibikorwa bibi), bityo moderi ya 'black-box' idasobanutse ihura nigitutu cyo gusobanurwa. Igisubizo ni umurima aho ubunyangamugayo bugomba kubana nuburinganire no gukorera mu mucyo.
Ubushishozi
Kwandika byerekana guhanura ibintu bidashoboka, akenshi ukoresheje gusubira inyuma kugirango bisobanurwe cyangwa ibiti byongerewe imbaraga kugirango bitangwe neza. Ibikoresho bisobanurwa nka SHAP biranga icyemezo kubintu byihariye kugirango abatanga inguzanyo bashobore kubyara amategeko asabwa muburyo bubi-ibikorwa. Uburinganire bugeragezwa hamwe nuburinganire bugereranya kwemerwa nigipimo cyamakosa mumatsinda arinzwe, hamwe n '' itandukaniro ritandukanye 'isesengura ryerekana ibivangura. Icyitegererezo cyemewe kugirango gihamye kandi gikurikiranwe kugendagenda uko ubukungu bwifashe.
Kumenya AI mu Kwandika Inguzanyo
AI mukwandika inguzanyo ikoresha imashini yiga imashini kugirango ihitemo uwabona inguzanyo, ku gipimo cyinyungu, hamwe nangahe, akenshi yihuta kandi ikoresha amakuru menshi kuruta amanota gakondo. Ntacyo bivuze kuko ibi byemezo bigira uburyo bwo kubona inguzanyo, amakarita, nigishoro giciriritse, kandi bitwara ubutabera nukuri byemewe n'amategeko. AI muburyo bwo gutanga inguzanyo ikoresha AI mubidukikije byihariye aho amabwiriza, ibikorwa, no kwihanganira ingaruka bigira uruhare runini muguhitamo ibishushanyo. Kugira ngo wubake byimbitse, fata AI muburyo bwo gutanga inguzanyo nkicyitegererezo gikora, ntabwo ari ikintu kimwe: gusobanura ibyagezweho, gusobanura ibitekerezo, no gutandukanya ibyo sisitemu ishobora gukora byizewe nibisaba guca imanza zinzobere.
Mubikorwa, amakipe akomeye akoresha AI muburyo bwo gutanga inguzanyo ahuza ubushobozi bwa tekiniki na politiki ya domaine, kugenzura, no gufata ibyemezo imbere. Bandika ibipimo ngenderwaho byerekana intsinzi, bagerageza kurwanya amakuru afatika hamwe nakazi keza, kandi bagasubiramo bashingiye kubikorwa byagaragaye ko batsinzwe aho gutsinda inshuro imwe. Aha niho imyumvire yubumenyi ihinduka mubushobozi burambye kubicuruzwa, politiki, nibikorwa.
Inganda zerekana niba ibitekerezo bya AI bikomeza guhura nukuri. Mugihe kimwe, ibisabwa byubuyobozi birashobora gutesha agaciro ubundi prototypes ikomeye. Uburyo bukomeye cyane ni uguhuza umuvuduko wikigereranyo hamwe na disipuline yimiyoborere: kuyobora abaderevu, gufata ibimenyetso, gutangaza ibyemezo byicyemezo, no gukomeza kuvugurura uburyo bwo kwirinda nkimyitwarire yicyitegererezo, ibyo abakoresha bategereje, nibisabwa n'amategeko bigenda bihinduka.
Ingaruka z'Ingamba
Inganda zerekana niba ibitekerezo bya AI bikomeza guhura nukuri.
Inganda zerekana niba ibitekerezo bya AI bikomeza guhura nukuri. Mubikorwa byujuje ubuziranenge, ibi bihindurwa mumategeko agenga imikorere, imipaka nyirubwite, hamwe n'imihango yo gusubiramo kenshi kugirango amakipe ashobore kwigirira ikizere aho gupima ibidasobanutse.
Imbogamizi za domeni zigira ingaruka zemewe namakosa yo kugenzura.
Imbogamizi za domeni zigira ingaruka zemewe namakosa yo kugenzura. Mubikorwa byujuje ubuziranenge, ibi bihindurwa mumategeko agenga imikorere, imipaka nyirubwite, hamwe n'imihango yo gusubiramo kenshi kugirango amakipe ashobore kwigirira ikizere aho gupima ibidasobanutse.
Ibikorwa bigenda neza bihuza ubushobozi bwa tekiniki hamwe nakazi kambere.
Ibikorwa bigenda neza bihuza ubushobozi bwa tekiniki hamwe nakazi kambere. Mubikorwa byujuje ubuziranenge, ibi bihindurwa mumategeko agenga imikorere, imipaka nyirubwite, hamwe n'imihango yo gusubiramo kenshi kugirango amakipe ashobore kwigirira ikizere aho gupima ibidasobanutse.
Gushyira mu bikorwa Isi
Abatanga inguzanyo ya Fintech nka Upstart bakoresheje uburezi hamwe namakuru atwara amafaranga kugirango yemeze abahawe inguzanyo FICO yonyine yakwanga
Amabanki atanga amatangazo y'ibikorwa byerekana ibintu byihariye bitera kwanga inguzanyo
Abatanga ikarita yinguzanyo bashiraho imipaka yihariye na APRs hashingiwe ku ngaruka ziteganijwe
Abacuruzi bato-bashoramari basesengura amabanki-yimikorere kugirango bandike ibigo bifite dosiye zoroheje
Uburyo bwo Gushyira mu bikorwa
AI mu Kwandika Inguzanyo mubikorwa
Abatanga inguzanyo ya Fintech nka Upstart bakoresheje uburezi hamwe namakuru atwara amafaranga kugirango yemeze abahawe inguzanyo FICO yonyine yakwanga.
Abatanga inguzanyo ya Fintech nka Upstart bakoresheje uburezi hamwe namakuru atwara amafaranga kugirango bemeze abahawe inguzanyo FICO yonyine yakwanga Amakipe ubusanzwe abona ibisubizo byiza mugihe basobanuye ibipimo byujuje ubuziranenge imbere, bagakomeza inzira yo kuzamura abantu kubibazo, kandi bagakurikirana inyungu zibyara umusaruro nibiciro byamakosa mugihe runaka.
AI mu Kwandika Inguzanyo mubikorwa
Amabanki atanga amatangazo y'ibikorwa byerekana ibintu byihariye bitera kwanga inguzanyo.
Amabanki atanga amatangazo mabi-yerekana ibintu byihariye bitera guhakana inguzanyo Amakipe akunze kubona umusaruro ushimishije mugihe asobanura ibipimo ngenderwaho byimbere, agakomeza inzira yo kuzamura abantu kubibazo byimbitse, kandi akurikirana inyungu zibyara umusaruro nibiciro byamakosa mugihe runaka.
AI mu Kwandika Inguzanyo mubikorwa
Abatanga ikarita yinguzanyo bashiraho imipaka yihariye na APRs hashingiwe ku ngaruka ziteganijwe.
Abatanga amakarita yinguzanyo bashiraho imipaka yihariye hamwe na APR bashingiye kubibazo byahanuwe bitemewe Amakipe ubusanzwe abona ibisubizo byiza iyo asobanuye ibipimo byujuje ubuziranenge imbere, agakomeza inzira yo kuzamura abantu kubibazo bikurikirana, kandi akurikirana inyungu zibyara umusaruro nibiciro byamakosa mugihe runaka.
AI mu Kwandika Inguzanyo mubikorwa
Abacuruzi bato-bashoramari basesengura amabanki-yimikorere kugirango bandike ibigo bifite dosiye zoroheje.
Abatanga inguzanyo ntoya basesengura imigendekere ya banki kugirango bandike ibigo bifite amadosiye yoroheje yinguzanyo Amakipe akunze kubona umusaruro ushimishije iyo asobanuye ibipimo ngenderwaho byimbere, agakomeza inzira yo kuzamura abantu kubibazo byimbere, kandi agakurikirana inyungu zibyara umusaruro nibiciro byigihe.
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.
Shyiramo abahanga ba domaine kuva ibibazo bitegura gusuzuma. Fata buri ntambwe nk irembo ryibimenyetso: niba ibipimo bitujujwe, hagarika kuzenguruka, funga icyuho, hanyuma noneho wagure imikoreshereze.
Shushanya inzira y'ubugenzuzi n'inyandiko mbere yo gutangira.
Shushanya inzira y'ubugenzuzi n'inyandiko mbere yo gutangira. Fata buri ntambwe nk irembo ryibimenyetso: niba ibipimo bitujujwe, hagarika kuzenguruka, funga icyuho, hanyuma noneho wagure imikoreshereze.
Emeza kubahiriza inshingano z'umutekano hakiri kare.
Emeza kubahiriza inshingano z'umutekano hakiri kare. Fata buri ntambwe nk irembo ryibimenyetso: niba ibipimo bitujujwe, hagarika kuzenguruka, funga icyuho, hanyuma noneho wagure imikoreshereze.
Kuzenguruka mu byiciro hamwe no guhagarara neza no kugaruka.
Kuzenguruka mu byiciro hamwe no guhagarara neza no kugaruka. Fata buri ntambwe nk irembo ryibimenyetso: niba ibipimo bitujujwe, hagarika kuzenguruka, funga icyuho, hanyuma noneho wagure imikoreshereze.