Uhlolojikelele
I-AI isiza amabhange ukuthi abone ingxenye encane yemisebenzi efihla imali yobugebengu phakathi kwezigidigidi zemali esemthethweni. Kubalulekile ngoba amasistimu asekelwe emithethweni yefa ahlaba umkhosi izenzo eziningi ezingenacala, ezimosha isikhathi sabaphenyi futhi zivumele ukukhwabanisa kwangempela kudlule.
I-AI Yokulwa Nokukhwabanisa Kwemali isebenzisa i-AI ezindaweni eziqondene nesizinda lapho imithetho, ukusebenza, kanye nokubekezelela ubungozi kukulolonga ngokuqinile ukukhetha kokuklama.
I-Deep Dive
I-Anti-Money Laundering (AML) yindlela amabhange athola ngayo izimali ezihambisana nobugebengu obufana nokushushumbiswa kwezidakamizwa, ukukhwabanisa, kanye nobuphekula. Amasistimu avamile asebenzisa imithetho engaguquki - isibonelo, umaka noma iyiphi idiphozithi yemali engaphezu kuka-$10,000 - ekhiqiza izinombolo ezinkulu zama-alamu amanga (ngokuvamile u-90-95% wezaziso awuzinjongo ezingasebenzi). I-AI ishintsha indlela yokusebenza ngokufunda ukuthi ukuziphatha okuvamile kubukeka kanjani kukhasimende ngalinye kanye nokuphambuka kokubona. Amamodeli okufunda ngomshini athola okwenziwayo ngengozi, kuyilapho izibalo zegrafu zenza amanethiwekhi afihliwe wama-akhawunti ahambisa imali ngezindlela ezihlanganisiwe. Ukucutshungulwa kolimi lwemvelo kuskena izindaba nohlu lwezinhlawulo ngesikhathi sokuhlola okuthi 'Yazi Ikhasimende Lakho'. Umgomo amaphuzu ambalwa angamanga, uphenyo olusheshayo, kanye nokubamba izikimu eziyinkimbinkimbi - 'njenge-smurfing' (ukuhlukanisa amanani amakhulu kube ukudluliselwa okuningi okuncane) - leyo mikhawulo elula igeja ngokuphelele.
I-Technical Insight
Amasu amabili abusa. Amamodeli agadiwe (izihlahla ezithuthukisiwe ze-gradient, amanetha e-neural) afunda ezimweni ezidlule eziqinisekisiwe zokuwahlanza ukuze athole imisebenzi emisha. Kodwa ukukhwabanisa okulebulwe kuyivelakancane, ngakho-ke ukutholwa okudidayo okungagadiwe kanye namanethiwekhi e-neural egrafu nakho kubalulekile: amodela ama-akhawunti njengama-node futhi adluliselwe njengamaphethelo, izindandatho ezidalulayo, amanethiwekhi omnyuzi, namaphethini okwenza izendlalelo okungekho mthetho we-akhawunti eyodwa ongabonwa. Isixazululo sebhizinisi sixhumanisa iziteketiso nezinkampani zamasheli kuzo zonke izisele zedatha ukuze isigebengu esisodwa singaphathwa njengekhasimende eliyishumi elingahlobene.
Ukufundisa i-AI ku-Anti-Money Laundering
I-AI isiza amabhange ukuthi abone ingxenye encane yemisebenzi efihla imali yobugebengu phakathi kwezigidigidi zemali esemthethweni. Kubalulekile ngoba amasistimu asekelwe emithethweni yefa ahlaba umkhosi izenzo eziningi ezingenacala, ezimosha isikhathi sabaphenyi futhi zivumele ukukhwabanisa kwangempela kudlule. I-AI Yokulwa Nokukhwabanisa Kwemali isebenzisa i-AI ezindaweni eziqondene nesizinda lapho imithetho, ukusebenza, kanye nokubekezelela ubungozi kukulolonga ngokuqinile ukukhetha kokuklama. Ukuze wakhe ukuqonda okujulile, phatha i-AI ku-Anti-Money Laundering njengemodeli yokusebenza, hhayi isici esisodwa: chaza imiphumela efiselekayo, ucacise ukucabanga, futhi uhlukanise lokho uhlelo olungakwenza ngokwethembeka kulokho okusadinga ukwahlulela kochwepheshe.
Empeleni, amaqembu aqinile asebenzisa i-AI ekunqandeni ukushushumbiswa kwemali aqondisa amandla obuchwepheshe nenqubomgomo yesizinda, ukucwaningwa kwamabhuku, kanye nokuthatha izinqumo okuphambili. Babhala imibandela yempumelelo ecacile, ukuhlola okuqhathaniswa nedatha engokoqobo nokugeleza komsebenzi, futhi baphindaphinde ngokusekelwe kumaphethini okuhluleka aqashiwe esikhundleni sokuwina kwebhentshimakhi yesikhathi esisodwa. Yilapho ukuqonda kwethiyori kuguquka kube amandla ahlala njalo kuwo wonke umkhiqizo, inqubomgomo, kanye nokusebenza.
Umongo womkhakha unquma ukuthi imibono ye-AI iyasinda yini ekuxhumaneni neqiniso. Ngesikhathi esifanayo, izimfuneko Zokulawula zingenza ama-prototypes aqine ngenye indlela. Indlela eqine kakhulu iwukuhlanganisa isivinini sokuhlola nesiyalo sokuphatha: qhuba abashayeli bezindiza, bamba ubufakazi, ushicilele amalogi ezinqumo, futhi ubuyekeze izivikelo ngokuqhubekayo njengoba imodeli yokuziphatha, okulindelwe ngabasebenzisi, kanye nezimfuneko zokulawula zishintsha.
I-Strategic Impact
Umongo womkhakha unquma ukuthi imibono ye-AI iyasinda yini ekuxhumaneni neqiniso.
Umongo womkhakha unquma ukuthi imibono ye-AI iyasinda yini ekuxhumaneni neqiniso. Ekusetshenzisweni kwekhwalithi ephezulu, lokhu kuhunyushwa emithethweni yokusebenza elinganisekayo, imingcele yobunikazi, nemikhuba yokubuyekeza ephindelelayo ukuze amaqembu akwazi ukukala ukuzethemba esikhundleni sokukala ukungaqondakali.
Imikhawulo yesizinda ithonya izilinganiso zamaphutha ezamukelekayo namamodeli wokugada.
Imikhawulo yesizinda ithonya izilinganiso zamaphutha ezamukelekayo namamodeli wokugada. Ekusetshenzisweni kwekhwalithi ephezulu, lokhu kuhunyushwa emithethweni yokusebenza elinganisekayo, imingcele yobunikazi, nemikhuba yokubuyekeza ephindelelayo ukuze amaqembu akwazi ukukala ukuzethemba esikhundleni sokukala ukungaqondakali.
Ukuthunyelwa okuphumelelayo kuqondanisa amandla obuchwepheshe nokugeleza komsebenzi okuphambili.
Ukuthunyelwa okuphumelelayo kuqondanisa amandla obuchwepheshe nokugeleza komsebenzi okuphambili. Ekusetshenzisweni kwekhwalithi ephezulu, lokhu kuhunyushwa emithethweni yokusebenza elinganisekayo, imingcele yobunikazi, nemikhuba yokubuyekeza ephindelelayo ukuze amaqembu akwazi ukukala ukuzethemba esikhundleni sokukala ukungaqondakali.
Ukuqaliswa Komhlaba Wangempela
I-HSBC ihlanganyele ne-Google Cloud ukuze ikhiphe i-AI okubikwa ukuthi ithole umsebenzi osolisayo izikhathi ezingu-2-4x ngenkathi inqamula izexwayiso ezingamanga, ihlola amakhulu ezigidi zemisebenzi nyanga zonke.
Amabhange asebenzisa izibalo zegrafu ukuze embule 'amanethiwekhi omnyuzi' lapho umuntu oyedwa enxenxa inqwaba yama-akhawunti ukuze abeke futhi ahambise izimali ezebiwe.
Ukuhlolwa kwamagama okuqhutshwa yi-NLP kuhlola amakhasimende ngokumelene nezinhlawulo zomhlaba wonke kanye nohlu lwabantu obala kwezombusazwe, ukuphatha ukuhlukahluka kwesipelingi neziteketiso kuwo wonke ama-alfabhethi.
Ukudluliselwa kwentambo ngentambo okunengozi yokufunda ngomshini ngenani langempela ukuze ukudluliswa kuka-$9,800 (ngaphansi nje komkhawulo wokubika) okuphindwayo kuwo wonke ama-akhawunti amaningi kucupha isixwayiso esibi.
Amaphethini Okusebenzisa
I-AI ku-Anti-Money Laundering isebenza
I-HSBC ihlanganyele ne-Google Cloud ukuze ikhiphe i-AI okubikwa ukuthi ithole umsebenzi osolisayo izikhathi ezingu-2-4x ngenkathi inqamula izexwayiso ezingamanga, ihlola amakhulu ezigidi zemisebenzi nyanga zonke.
I-HSBC ihlanganyele ne-Google Ifu ukuze ikhiphe i-AI okubikwa ukuthi ithole umsebenzi osolisayo ophindwe ka-2-4 ngenkathi isika izexwayiso ezingamanga, ihlola amakhulu ezigidi zemisebenzi yanyanga zonke Amaqembu ngokuvamile athola imiphumela engcono uma echaza imikhawulo yekhwalithi ngaphambili, agcine indlela yokukhuphuka komuntu ukuze azuze kokubili isikhathi sokukhiqiza, futhi alandelele izindleko zokukhiqiza ngokuhamba kwesikhathi.
I-AI ku-Anti-Money Laundering isebenza
Amabhange asebenzisa izibalo zegrafu ukuze embule 'amanethiwekhi omnyuzi' lapho umuntu oyedwa enxenxa inqwaba yama-akhawunti ukuze abeke futhi ahambise izimali ezebiwe.
Amabhange asebenzisa izibalo zegrafu ukuze embule 'amanethiwekhi omnyuzi' lapho umuntu oyedwa enxenxa inqwaba yama-akhawunti ukuze abeke futhi ahambise izimali ezebiwe Amathimba ngokuvamile athola imiphumela engcono lapho echaza izilinganiso zekhwalithi ngaphambili, agcine indlela yokukhuphuka kwabantu yamacala abucayi, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
I-AI ku-Anti-Money Laundering isebenza
Ukuhlolwa kwamagama okuqhutshwa yi-NLP kuhlola amakhasimende ngokumelene nezinhlawulo zomhlaba wonke kanye nohlu lwabantu obala kwezombusazwe, ukuphatha ukuhlukahluka kwesipelingi neziteketiso kuwo wonke ama-alfabhethi.
Ukuhlolwa kwamagama okushayelwa yi-NLP kuhlola amakhasimende ngokumelene nezinhlawulo zomhlaba wonke kanye nohlu lwabantu abadaluliwe kwezombusazwe, ukuphatha ukuhlukahluka kwesipelingi neziteketiso kuwo wonke ama-alfabhethi Amaqembu ngokuvamile athola imiphumela engcono uma echaza imingcele yekhwalithi ngaphambili, agcina indlela yokukhuphuka kwabantu yamacala abucayi, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
I-AI ku-Anti-Money Laundering isebenza
Ukudluliselwa kwentambo ngentambo okunengozi yokufunda ngomshini ngenani langempela ukuze ukudluliswa kuka-$9,800 (ngaphansi nje komkhawulo wokubika) okuphindwayo kuwo wonke ama-akhawunti amaningi kucupha isixwayiso esibi.
Ukudluliselwa ngentambo ngomshini ngenani lenani lezingozi zokufunda ngomshini ngesikhathi sangempela ukuze ukudluliswa kuka-$9,800 (ngaphansi nje komkhawulo wokubika) okuphindaphindwayo kuwo wonke ama-akhawunti amaningi kucupha isixwayiso esifiphele Amaqembu ngokuvamile athola imiphumela engcono uma echaza imingcele yekhwalithi ngaphambili, agcine indlela yokukhuphuka kwabantu ngamacala aphambili, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
Izingozi & Guardrails
Izidingo zokulawula zingenza ama-prototypes aqine ngenye indlela.
Idatha yomlando ingase ihlanganise ukuchema okulimaza imiphakathi ethile.
Izinhlelo zefa zingakha izithiyo zokuhlanganisa kanye nezindleko ezifihliwe.
Ukuqalisa Umhlahlandlela
Bandakanya ochwepheshe besizinda kusukela ekufakeni inkinga kuye ekuhlolweni.
Bandakanya ochwepheshe besizinda kusukela ekufakeni inkinga kuye ekuhlolweni. Phatha isinyathelo ngasinye njengesango lobufakazi: uma imibandela ingafinyelelwa, misa ukukhishwa, vala igebe, bese unweba ukusetshenziswa.
Dizayina izindlela zokuhlola kanye nemibhalo ngaphambi kokwethulwa.
Dizayina izindlela zokuhlola kanye nemibhalo ngaphambi kokwethulwa. Phatha isinyathelo ngasinye njengesango lobufakazi: uma imibandela ingafinyelelwa, misa ukukhishwa, vala igebe, bese unweba ukusetshenziswa.
Qinisekisa ukuthobela imithetho nokuphepha kusenesikhathi.
Qinisekisa ukuthobela imithetho nokuphepha kusenesikhathi. Phatha isinyathelo ngasinye njengesango lobufakazi: uma imibandela ingafinyelelwa, misa ukukhishwa, vala igebe, bese unweba ukusetshenziswa.
Khipha ngezigaba ngemibandela yokumisa ecacile neyokubuyisela emuva.
Khipha ngezigaba ngemibandela yokumisa ecacile neyokubuyisela emuva. Phatha isinyathelo ngasinye njengesango lobufakazi: uma imibandela ingafinyelelwa, misa ukukhishwa, vala igebe, bese unweba ukusetshenziswa.