Njengoba imboni ye-FinTech iqhubekela phambili ku-2024, izithola isenhliziyweni yenguquko kwezobuchwepheshe nge-Artificial Intelligence (AI) eqala ukugqama njengomunye wabashayeli abakhokhiswayo. Lesi sikhathi sokuqanjwa kabusha sihlela kabusha izinqubo zezinsizakalo zezezimali, senza imisebenzi ukuthi isebenze kahle, ithuthukisa izindlela zokuphepha, nokwenza ukuzizwisa kwamakhasimende kube ngokwakho. Iqhaza le-AI kulolu shintsho libalulekile, linikeza amazwibela ekusasa lapho izinsiza zezezimali zifinyeleleka kalula, zivikelekile, futhi zenziwe ngendlela efanele izidingo zabantu bokuqala bedijithali.

Leli gagasi loshintsho lisekelwa izitayela ezimbalwa ezibalulekile: ukugxila okuphezulu ekuvikelekeni kwe-inthanethi ukulwa nemizamo yokukhwabanisa ekhulayo - ngokusetshenziswa kwe-AI okuyisici sezikhungo zezezimali kanye nezigebengu ze-inthanethi ngokufanayo - kanye nokwanda kwezimali ezishumekiwe kanye Nokubhanga Njengesevisi, okusizwa ama-API asebhange avulekile kanye nemodeli yokulawula ubungozi eqhutshwa yi-AI, sonke lesi sikhathi isimo sokulawula sithuthuka ukuze sihambisane nalezi zinto ezintsha. Lezi zinguquko zenzeka ngokumelene nokwasemuva kwesidingo esikhulayo sabathengi sezisombululo zezezimali zedijithali, umkhuba osheshiswa kakhulu ubhubhane lomhlaba wonke oluya ezinsizeni ze-inthanethi.

Ukulandisa kwekusasa le-FinTech kuhlanganisa nezizinda ezihlukahlukene njengoba onjiniyela besebenzela ukudala izinsiza zezezimali ezibandakanyayo nezisebenza kahle kakhulu.

Iqhaza Elibalulekile le-AI ku-FinTech

I-AI iguqula ngendlela emangalisayo umkhakha we-FinTech, imemezela iminyaka yezinsizakalo zezezimali ezihlakaniphile, ezisebenza kahle kakhulu. Lolu shintsho aluphathelene nje nentuthuko yezobuchwepheshe kuphela, kodwa nokuguqula izindlela emqondweni wokusebenzelana kwezezimali nokusebenza.

Ukwenziwa Kwezinqumo Ezinamasu Nezazi: I-Generative AI inika amandla amasistimu okusebenzisa amachibi amakhulu edatha ukuze ahlanze imininingwane, akhuthaze kokubili amasu amasha kanye namasu okuthola imali ahlakaniphile. Amandla e-AI okucubungula nokuhlaziya lawa madathasethi amakhulu enza izinkampani zenze izinqumo lokho akukona nje ukufika ngesikhathi kodwa futhi kusekelwe ekuqondeni okujulile kokuguquguquka kwemakethe kanye nezidingo zamakhasimende.

Isiqondiso Sezezimali Somuntu Siqu: Ngaphandle kweseluleko esijwayelekile, I-AI isingakwazi kakade ukunikeza izixazululo ezihambisanayo zokuhlelwa kwezimali nokuphatha. Ngokuhlaziya idatha yekhasimende ngalinye, iseluleko sobuciko se-AI, siqondanisa nemigomo yomuntu siqu yezezimali kanye nezimo, ngaleyo ndlela kuthuthukiswe ukusebenzelana kwamakhasimende.

Ukutholwa Kokukhwabanisa Okusheshayo Nokunembile: Empini yokulwa nokukhwabanisa kwezezimali, i-AI inguzakwethu obalulekile. Amandla ayo okuhlaziya ngokushesha amaphethini okwenziwayo anika amandla ukutholwa kokukhwabanisa, ukuvikela emonakalweni ongaba khona wezezimali nesithunzi. 

Ukuhlola Ubungozi Bokuzinza: Amandla e-AI ekuhlaziyeni idatha yomlando kanye nokuhlonza amaphethini adlala indima ebalulekile ekuhloleni ubungozi. Lokhu kuqinisekisa ukusebenza kwezezimali okuzinzile nokuvikelekile, kulungiselelwa izikhungo ukuthi zilawule ngokuqhubekayo izingozi ezingaba khona.

Izicelo Ezibanzi ku-Fintech: Kusukela ekuthuthukiseni amaphuzu esikweletu nokuphathwa kwempahla kuya ekuqinisekiseni ukuthotshelwa komthetho, izinhlelo zokusebenza ze-AI ngaphakathi kwe-fintech ziningi futhi ziyahlukahluka. Ngokuphawulekayo, i-AI ithuthukisa ukunemba kokuhlolwa kwekhredithi, iqondise ukuphathwa kwempahla ngama-algorithms ahlakaniphile, futhi yenza kube lula ukunamathela ezimfuneko eziyinkimbinkimbi zokulawula.

I-Generative AI iguqula izindawo ezinjengokuhweba nokuphepha kwe-algorithmic ngokunika amandla amasu okuhweba aqhutshwa ngokuzenzakalela, aqhutshwa yidatha kanye nokuthuthukisa izimiso zokuphepha kwezezimali ngokumelene nokukhwabanisa.

Ezezimali Ezishumekiwe kanye Nebhange-as-a-Service (BaaS)

Ukuhlanganiswa kwe-Artificial Intelligence (AI) ne-Embedded Finance kanye ne-Bank-as-a-Service (BaaS) kuqhubezela izinsizakalo zezezimali enkathini entsha. Lokhu kuhlangana akukhona nje ukuhlanganiswa okungenamthungo kwezinsizakalo zamabhange zibe izinkundla ezihlukene; ithuthukiswe ngokujulile amandla e-AI ekuthungeni izinsiza, ukuthuthukisa ukuphepha, nokucubungula amasethi edatha ukuze kuthathwe izinqumo ezinobuhlakani.

I-Embedded Finance yenza izinsizakalo zezezimali zibe ngentando yeningi ngokuvumela abadlali bezezimali okungebona abavamile ukuthi banikeze izixazululo ngokuqondile kumakhasimende abo. I-AI ithuthukisa lokhu ngokusebenzisa ukuhlaziywa kwedatha okujulile ukuze kuhlinzekwe ngezinsizakalo zezezimali ezenzelwe wena uqobo. Ngokuhlaziya imilando yokwenziwe, izinkundla zingabikezela izidingo zezimali futhi zinikeze izincomo zomkhiqizo wezezimali ezilungiselelwe ngaphandle komthungo ngaphakathi kwezicelo zazo.

I-Baas - echaza kabusha uchungechunge lwenani lebhange ngokuhlinzeka ngemikhiqizo namasevisi asebhange ngabasabalalisi bezinkampani zangaphandle - ivumela amabhizinisi angewona amabhange ukuthi ahlanganise ingqalasizinda yezezimali elawulwayo emalini enikezwayo, okuvumela iziphakamiso zezimali ezintsha, ezikhethekile, kanye I-AI inika amandla leyo minikelo, ikakhulukazi emkhakheni oyinkimbinkimbi wokuthobela imithetho iningi elingewona ama-FIs elingazimisele ukubhekana nawo..

Izinselelo Ze-Cybersecurity kanye Nezinto Ezintsha

I-FinTech landscape ngo-2024 igxile kakhulu ekuthuthukiseni izindlela zokuphepha ku-inthanethi, njengoba izinsongo kanye nokuthembela okukhulayo ezinsizeni zezezimali zedijithali kuholela ekwandeni kobuchwepheshe bokuhlaselwa yizigebengu ze-inthanethi.

Ochwepheshe bezezimali bakhombisa ushintsho olukhulu ekubekeni phambili ukuphepha kwe-cybersecurity kanye nokuphathwa kwe-IT. Ucwaningo lwakamuva lwe-Gartner lugqamile ukuthi u-72% wamabhizinisi ezezimali ahlela ukukhulisa ukusetshenziswa kwawo kwesoftware ngo-2024 uma kuqhathaniswa no-2023, egxile kakhulu ekuthuthukisweni kwe-cybersecurity. Ucwaningo olufanayo luphawula izinselelo abathengi be-software bezezimali ababhekana nazo ekutholeni izixazululo ezinikeza kokubili ukuphepha okuqinile nokuhlanganiswa okungenamthungo nezinhlelo zabo ezikhona. Lokhu kukhombisa imakethe eqaphelayo futhi ekhuthele mayelana nokubhekana nokukhathazeka ngokuvikeleka ku-inthanethi, kugcizelela indima ebalulekile yokuphepha ezinqumweni zokuthenga isofthiwe yezezimali.

Ngaphezu kwalokho, umkhakha wamabhange edijithali ulungiselela uguquko oluqhubekayo ngokugxila kakhulu ekuvikelekeni kwe-inthanethi. Izindlela zokukhokha zedijithali, njengezikhwama zeselula namakhadi angathintwa, kulindeleke ukuthi zithole ukudonswa okwengeziwe. Lokhu kudinga ukwanda okufanayo ekutshalweni kwezimali ezinyathelweni ze-cybersecurity ukuze kuvikelwe lezi zindlela zokuthengiselana ezikhulayo zedijithali. Amabhange kulindeleke ukuthi atshale imali eningi ekuhlanganiseni amasistimu nasekuthuthukiseni izilawuli zokuqinisekisa ukuze kuqinisekiswe ukuphepha kwedatha nemisebenzi.

Izibikezelo zikaGartner zango-2024 nazo zisikhanyisela ngamasu esikhathi esizayo wokuphepha ku-inthanethi. Baphakamisa inani elibalulekile lezinhlangano ezizogxila ekusebenziseni izinhlelo ze-zero-trust, ezibonisa ukushintshela kuzinhlaka eziphelele nezivuthiwe ze-cybersecurity. Le ndlela, edinga ukuhlanganiswa nokucushwa kwezingxenye eziningi, ihlose ukunciphisa ukungqubuzana kokusebenza kwe-cybersecurity kanye nokuthuthukisa ukwamukelwa kokulawula.

I-Generative AI ivela njengethuluzi elikhulu kuleyo arsenal, ekwazi ukuzenzela imisebenzi, inciphise amaphutha abantu, futhi isheshise ukutholwa kanye nokusabela ezinsongweni ze-cyber. Lezi zixazululo eziqhutshwa yi-AI zithuthukisa ubuhlakani bokubikezela ukubona kusengaphambili ukuhlaselwa, okuvumela ukulingana phakathi kwezinyathelo zokuphepha nolwazi lomsebenzisi kuyilapho kunciphisa ubungozi bokukhwabanisa.

I-AI futhi ingenisa izinselele ezithile ezihlobene nomkhakha; njengoba lobo buhlakani bokubikezela buyinkemba esika nhlangothi zombili futhi engaphendulelwa ezikhungweni zezimali yizigebengu ze-inthanethi. Lo mjaho wezikhali phakathi kochwepheshe bezokuphepha nabahlaseli - inganekwane uqobo lwayo endala njenge-inthanethi - iholela ezindleleni eziyinkimbinkimbi zokuhlasela ku-inthanethi, okudinga ukubuyekezwa okuqhubekayo nokuzivumelanisa nezimo kumasu okuphepha ku-inthanethi.

Izinguquko Zokulawula Emkhathizwe

Njengoba umkhakha we-FinTech uqhubeka, isimo sokulawula esizungeze ukuhlanganiswa kwe-AI siya ngokuya sibalulekile. Isimo esiguquguqukayo sokuthuthukiswa kwe-AI kanye nomthelela wayo omkhulu kuzo zonke izinsiza zezezimali kudinga indlela yokulawula ebheke phambili futhi evumelana nezimo. Kulo nyaka umnotho womhlaba wonke, kusukela e-EU kuya e-China nangale kwayo, wenza izinqubomgomo zokuphatha i-AI, zilinganisela ukubaluleka kokukhuthaza ukuqamba okusha nesidingo sokunciphisa ubungozi obuhlobene.

Ukuvezwa kwe-IMF kohlelo lokusebenza lwamaphuzu angu-5 lokuphatha i-AI kuyafundisa kakhulu, eyethula uhlaka olungahlosile nje kuphela ukuvikela ezenzweni ezimbi ze-AI, kodwa futhi nokuthuthukisa amandla ayo okuthuthukisa ukubandakanywa kwezezimali, ukuvikeleka, nokusebenza kahle.

Ukusetshenziswa kwe-AI kuzo zombili izinhlangothi zobugebengu bezezimali futhi kugcizelela isidingo esicindezelayo sezinhlaka zokulawula ezingavela zihambisane nentuthuko yezobuchwepheshe, ziqinisekise ukuzivikela okuqinile ekukhwabaniseni okuqhutshwa yi-AI kuyilapho kukhuthazwa indawo lapho ukusungulwa kuchuma khona.

Njengoba izinkampani ze-fintech nezikhungo zezezimali zizulazula kule ndawo yokulawula eyinkimbinkimbi, amasu azo kufanele abonise ukuqonda okufingqiwe kwezinzuzo nezinselelo ze-AI. Ukugcizelela ukubeka izinto obala, ukucaciseleka, kanye nokufundiswa kwamakhasimende mayelana neqhaza le-AI ezinsizeni zezezimali kuzoba ukhiye ekugcineni ukwethenjwa nokuhambisana. Okubaluleke nakakhulu, njengoba amakhono e-AI eqhubeka nokuthuthuka, ukusebenzisana phakathi kwezinhlangano ezilawulayo, imboni ezimele, kanye nozakwethu bamazwe ngamazwe kuzoba semqoka ekwakheni indlela ehambisanayo yomhlaba wonke yokuphatha i-AI ku-fintech.

Ikusasa Lokulawulwa Kwengozi

Ukuhlanganiswa kwe-AI kuguqula kakhulu izinqubo zokulawula ubungozi. Ngamandla okufunda ngomshini (ML), i-Natural Language Processing (NLP), i-Predictive Analytics, i-Robotic Process Automation (RPA), ne-Computer Vision, i-AI ichaza kabusha indlela izikhungo zezezimali ezibhekana ngayo nokuthola amaphuzu esikweletu, ukutholwa kokukhwabanisa, ukuthobela imithetho, kanye nezezimali eziqondene nawe. amasevisi.

Okusungulwe Okubalulekile Ekulawuleni Ubungozi Okuqhutshwa yi-AI:

• Ukunikezwa Kwezikweletu Okuthuthukisiwe Nokufakwa Kwezezimali:
  • Ama-algorithms e-AI ahlola ukufaneleka kwekhredithi kusetshenziswa imithombo yedatha evamile nehlukile.
  • Iphromotha ukufakwa kwezimali ngokunikeza ukufinyelela kukhredithi kulabo abanomlando wesikweletu olinganiselwe.
• Ukutholwa Kokukhwabanisa Okuthuthukile:
• Ukuthobela Ukulawula Okulula:
  • Izenzela ngokuzenzakalelayo ukuqapha ukuthobela nokulandelwa kwemithetho yezezimali.
  • Yehlisa ubungozi bezinhlawulo futhi ithuthukise ukubusa nge-AI ezenzakalelayo.
• Ukuqamba Kubuchwepheshe Bomshwalense (InsurTech) kanye ne-DeFi:
  • I-AI kumshwalense wokucutshungulwa kwesimangalo ngokushesha kanye nokuhlola ubungozi.
  • Ihambisa izinkontileka ezihlakaniphile nokusebenza kahle ezinkundleni zokuxhumana zezezimali (i-DeFi).

Izinselelo Nokucatshangelwa:

• Ukuqinisekiswa Kwemodeli Nokubusa:
  • Ukusebenzelana okuqinile nabalawuli ekuthuthukisweni kobuhlakani namasu.
  • Gxila ekuxazululeni, amasu okubuyisela, kanye nokulawulwa kobungozi okusebenzayo.
• Ukusetshenziswa kwe-AI Ethical, Fair, and Transparent AI:
• Ikhwalithi Yedatha Nokuhleleka:
  • Ukwamukelwa kwezinhlaka zokuphatha idatha ezisebenzayo ukuze kuqinisekiswe ikhwalithi yedatha nokufaneleka.
  • Ukuqaliswa kokuhlolwa kwemibhalo eyanele ukuze kuphenywe futhi kuthotshelwe.
• Ukuqapha okuqhubekayo kanye nokuphathwa komthengisi wenkampani yangaphandle:
  • Ukwenza ukubuyekezwa ngezikhathi ezithile, ukuqapha okuqhubekayo, nokuqinisekiswa kabusha kwamamodeli we-AI.
  • Ukukhuthala okufanele kubathengisi bezinkampani zangaphandle abakha izinhlelo zokusebenza ze-AI.

Ukuhweba kwe-Algorithmic kanye Nezibikezelo Zemakethe Yezezimali

Ukuhweba nge-algorithmic nokubikezela kwezimakethe kuhamba phambili kumthelela woguquko we-AI emkhakheni we-fintech. Amakhono e-AI ekuhlaziyeni amasethi edatha amakhulu, ukuhlonza amaphethini, kanye nokwenza uhwebo ngesivinini esingenakuqhathaniswa akugcini nje ukuthuthukisa ukuthengwa kwemakethe nokusebenza kahle, kodwa futhi nokuhlela kabusha amasu okutshalwa kwezimali kanye nokuhlola ubungozi.

Ukuhweba Kwe-Algorithmic Okuthuthukisiwe

Iqhaza le-AI ekuhwebeni kwe-algorithmic liyakhula, lisebenzisa i-Machine Learning (ML) kanye ne-Predictive Analytics ukuze kuhlaziywe idatha yemakethe, kuhlonzwe amaphethini, nokwenza ukuhweba ngempumelelo nangesivinini esiphezulu. Le ndlela yokuphatha ayigcini nje ngokuthuthukisa ukuthengwa kwezimali ezimakethe kodwa futhi inikeza umkhawulo wokuncintisana ezikhungweni zezimali ngokunciphisa izindleko zokuthengiselana nokwandisa amathuba okuhweba. Ukusetshenziswa kwe-AI ekuhwebeni kwe-algorithmic kugcizelela ukushintshela ezimakethe zezimali eziqhutshwa idatha, ezizenzakalelayo lapho ukuthathwa kwezinqumo kusheshiswa kakhulu..

I-Predictive Market Movements

Izibalo eziqagelayo, ezinikezwa amandla yi-AI, zenza izikhungo zezezimali zibikezele izitayela zezimakethe, ukuziphatha kwamakhasimende, kanye nezingozi zezikweletu ngokunemba okungakaze kubonwe ngaphambili. Ngokucubungula inani elikhulu ledatha yomlando nokusebenzisa ama-algorithms ezibalo, izibalo zokubikezela eziqhutshwa yi-AI zinikeza imininingwane ebalulekile esekela ukuthathwa kwezinqumo kwamasu nokulawulwa kwezinhlekelele. Leli khono lizuzisa kakhulu ezimakethe ezishintshashintshayo lapho ukuqonda umnyakazo wesikhathi esizayo kungaba nomthelela omkhulu amasu okuhweba nokutshala imali.

Intuthuko Emikhiqizweni Yezezimali Namasevisi

Isicelo se-AI sidlulela ngalé kokuhweba kuye ekuthuthukiseni umkhiqizo wezezimali uwonke kanye neminikelo yesevisi. Kusukela kumaphuzu esikweletu athuthukisiwe e-AI athuthukisa ukufakwa kwezezimali kuya ezelulekweni zomuntu siqu zezezimali ezifanelana nezidingo zomuntu ngamunye, i-AI inika amandla indawo yesevisi yezezimali eyenziwe ngokwezifiso nesebenza ngempumelelo. Lokhu kwenza kube ngokwakho akugcini nje ngokuthuthukisa ukwaneliseka kwamakhasimende nokwethembeka kodwa futhi kuvula imithombo emisha yemali engenayo kubahlinzeki benkonzo yezezimali.

Ikusasa lezezimali le-AI

Ukwanda kokuhlanganiswa kwe-AI ku-fintech kugcizelela uguquko olubalulekile oluya ku-ecosystem yezezimali ehlakaniphe kakhulu, esebenza kahle futhi ebandakanyayo. Umthelela omkhulu we-AI, kusukela ekuguquleni ukuhweba nge-algorithmic kuya ekuthuthukiseni ukutholwa kokukhwabanisa nokulawula ubungozi, ikhombisa ikusasa lapho ezezimali zingagcini nje ngokuvikeleka kakhulu kodwa futhi zifinyeleleka kakhudlwana futhi zenziwe ngokwezidingo zomuntu ngamunye.

Ukuhlangana kwe-AI nobuchwepheshe obusafufusa kanye nezinhlaka zokulawula kubeka inkundla yesimo sezezimali lapho ukuqanjwa kabusha kuchuma ngomgogodla wezinsizakalo ezivikelekile, ezisobala, nezigxile kumakhasimende. Iqhaza le-AI ekwenzeni ezezimali ngentando yeningi, ngemizamo efana nokuthola amaphuzu esikweletu athuthukisiwe nezeluleko eziqondene nawe ngezezimali, ikhomba esikhathini sokubandakanywa kwezezimali.

Ngaphezu kwalokho, i-agility AI ehlinzeka ngokuzulazula endaweni eyinkimbinkimbi yokulawula iqinisekisa ukuthi ukuvela kwe-fintech kunomthwalo wemfanelo futhi kuhambisana namazinga omhlaba. Njengoba sibheke phambili, ukusebenzisana phakathi kwe-AI ne-fintech sekumi ngomumo ukujula, okuletha izinguquko ezishintshayo ezizochaza kabusha ukuthi izinsizakalo zezezimali zilethwa futhi zitholwa kanjani.

- UJessica Purdy

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• Source: https://fintechrising.co/ai-unleashed-remapping-fintechs-future/