I-Artificial intelligence (AI)
ubuchwepheshe buye bashintsha ukulethwa kwezinsizakalo zezezimali zendabuko, okuhlinzeka ngamathuba okuthuthukisa imali ngenkathi kunciphisa izindleko.
Kodwa-ke, ukuthuthuka kwayo kuza nezinselelo ezintsha kanye nezingozi, ikakhulukazi ku
okuhlobene nokuhambisana nemithetho ekhona evame ukuba nemvelo yakudala futhi
behluleka ukuhlinzeka ngendawo efanelekile yobuchwepheshe obunjalo.
Noma kunjalo, it
kubalulekile ukuqonda izingqinamba zokulawula ngaphambi kokusebenzisa i-AI
ebhizinisini lakho. Lesi sihloko sizohlaziya ukusetshenziswa kwe
ubuhlakani bokwenziwa kumongo wezezimali zabathengi kanye nesibopho
izibopho zokuboleka.
Uma uhlinzeka noma usiza ngenye indlela abathengi ekutholeni noma ekukhuliseni umkhawulo womkhiqizo wesikweletu ohlinzekwe kuwo
abantu kanye nezinkampani ze-strata zomuntu siqu, zasekhaya, nezasekhaya
izinhloso noma ukuthengwa noma ukuthuthukiswa kwendawo yokutshala imali,
bese kuba ngonomthwalo wemfanelo ukubolekisa izibopho zizosebenza kuwe.
Ukuboleka okubophezelekile izibopho zihlinzekwe ngaphansi kweSahluko sesi-3 NUmthetho Wokuvikelwa Kwezikweletu Zabathengi 2009 (Cth) (NCCPA).
Ngokuvamile, bavimbela amalayisensi esikweletu ukuthi angangeni noma
ukusiza umthengi ngomkhiqizo wesikweletu ongabafanele.
“Izibopho ezibophezelekile zokuboleka imali ngaphansi koMthetho Kazwelonke Wokuvikelwa Kwezikweletu Zabathengi 2009 (NCCP) ezisebenza kubanikezeli bezikweletu (ababolekisi) nakubahlinzeki bosizo lwezikweletu (umdayisi) ziphawule inkathi entsha yobungcweti embonini yezezimali.” pic.twitter.com/Q0taFac7dY
— Outsolu (@OutsoluNepal) September 1, 2020
I-NCPA idinga abahlinzeki be credit
usizo kanye nekhredithi ukwenza ukuhlola ukuthi ngabe inkontileka yesikweletu
ngeke ilunge kumthengi uma kufakwe inkontileka noma isikweletu
umkhawulo uyanda. Ngaphambi kokwenza ukuhlolwa, umhlinzeki kudingeka ukuthi:
- Yenza imibuzo efanele mayelana nezidingo zomthengi kanye nezinjongo mayelana nomkhiqizo wesikweletu.
- Yenza imibuzo efanele mayelana nesimo sezimali somthengi.
- Thatha
izinyathelo zokuqinisekisa isimo sezimali somthengi.
Bangu
izimo ezithile lapho isicelo somkhiqizo wesikweletu noma i
ukwenyuswa kumkhawulo wesikweletu kufanele kuhlolwe njengokungafaneleki. Lokhu kubandakanya uma, ngo
isikhathi sokuhlolwa, kungenzeka ukuthi:
- The
umthengi ngeke akwazi ukuthobela izibopho zabo zezezimali ngaphansi kwe
umkhiqizo wesikweletu, njengokungakwazi ukuhlangabezana nezinkokhelo ngesikhathi esifanele. - The
umthengi uzokwazi kuphela ukuhlangabezana nezibopho zakhe zezezimali ngaphansi kwekhredithi
umkhiqizo ngobunzima obukhulu. - The
umkhiqizo wesikweletu ngeke uhlangabezane nezidingo noma izinjongo zomthengi.
Kunezinye izimo lapho ungase unqume ukuthi ukunyuka komkhiqizo wesikweletu noma umkhawulo wesikweletu akufanelekile futhi wenqabe ezinye izicelo.
Izinselele
Ubuchwepheshe be-AI kukhona
ezisetshenziswa ngokwandayo kunqubo yokugunyaza isicelo ukuze kuhlolwe ukufaneleka. Kodwa-ke, inselelo yokusebenzisa i-AI amandla
ukuze idatha ihlanekezelwe, okudala ukucwasa okungokwemvelo. Ukunqoba lokhu
isithiyo, ubuchwepheshe be-AI kumele busekelwe kumamodeli asobala lawo
bona futhi ulungise amathuba okucwasa.
Uma uhlose ukuncika
lobu buchwepheshe, kufanele ukwazi ukuchaza kubathengi ukuthi umphumela we
ubuchwepheshe be-AI buyafinyelelwa nokuthi buhambisana kanjani nomsebenzi wakho
izibopho zokuboleka.
Ukuhlola okuqhubekayo nokuqapha ubuchwepheshe kuyizidingo zokunciphisa amathuba okuchema okusha okuvelayo kanye
ukulungisa ngokufanelekile lokho kuchema noma ukungalungi ngesikhathi esifanele.
Ubumfihlo bedatha eqinile nezinyathelo zokuphepha zibalulekile ekuthembekeni nasekuthembekeni kobuchwepheshe be-AI. Abathengi
kufanele bakwazi ukuthemba ukuthi idatha yabo izophathwa ngokuzibophezela. Ngoba
isibonelo, kungase kufaneleke ukwenza ngokungaziwa imininingwane yomuntu siqu engakhonjwa
ngenkathi enza ukufunda imishini amasu noma ukufaka phakathi okokwenziwa
idatha.
Kubalulekile ukuqaphela ukugxambukela kwedatha futhi uthuthukise izilawuli ukuze
khomba futhi ubhekane nezingozi ezinjalo, njengokukhawulela ukulawulwa kwama-algorithms.
Ukubusa okuhle maqondana nobuchwepheshe be-AI
kungenzeka kube lula ukuhlanganiswa okushelelayo ebhizinisini. Lapho
kudingeka kube ukwabiwa okufanele kwabantu kanye nezinsiza zezimali, kanye nemigqa ecacile yesibopho kanye nokuziphendulela. Uhlaka lwesinqumo lwe-AI olugxile ezibophweni zokuboleka ezinomthwalo wemfanelo, kanye nezinhlelo zokuqeqesha ezisemthethweni, luzohumushela ekusetshenzisweni okuthembekile nokunesibopho kwe-AI.
#AI umthethonqubo ku #UK: indlela eya ebuhleni #ukubusa kanye nobuholi bomhlaba? https://t.co/4ul65KC5pd.️@HuwJRoberts1 @jessRmorley @Floridi @RosariaTaddeo v @PolicyR @sallyeaves @nigewillson @ sbusisomngadi1 @Shi4Tech @enilev @SusanHayes_ @BetaMoroney @tlloydjones @danfiehn @Corix_JC pic.twitter.com/leUTrGvLxi
- BusinessIntelligence (@bimedotcom) Kwangathi 26, 2023
Ekugcineni, njengoba siqhubeka sidlulela ku-a
digital umnotho, kubalulekile ukuthi ukusetshenziswa kobuchwepheshe be-AI kwezezimali zabathengi kugxile
ku:
·
-
obala
ukuze kuchazwe izizathu zokuhlolwa kokungafaneleki
abathengi,
· - elawulwayo
ukusetshenziswa ukuze ubumfihlo bedatha nokuvikeleka kugcinwe ngenkathi futhi
ukuqinisekisa ukuthi noma yikuphi ukuchema kuyalungiswa ngemiphumela ehambisanayo
izibopho zokuboleka ezinomthwalo wemfanelo, kanye - ukuziphendulela ukukhuthaza ukwethenjwa kanye nokuzethemba
ku-AI, okuhlanganisa nokuthatha izinqumo ngemuva kobuchwepheshe obunjalo.
I-Artificial intelligence (AI)
ubuchwepheshe buye bashintsha ukulethwa kwezinsizakalo zezezimali zendabuko, okuhlinzeka ngamathuba okuthuthukisa imali ngenkathi kunciphisa izindleko.
Kodwa-ke, ukuthuthuka kwayo kuza nezinselelo ezintsha kanye nezingozi, ikakhulukazi ku
okuhlobene nokuhambisana nemithetho ekhona evame ukuba nemvelo yakudala futhi
behluleka ukuhlinzeka ngendawo efanelekile yobuchwepheshe obunjalo.
Noma kunjalo, it
kubalulekile ukuqonda izingqinamba zokulawula ngaphambi kokusebenzisa i-AI
ebhizinisini lakho. Lesi sihloko sizohlaziya ukusetshenziswa kwe
ubuhlakani bokwenziwa kumongo wezezimali zabathengi kanye nesibopho
izibopho zokuboleka.
Uma uhlinzeka noma usiza ngenye indlela abathengi ekutholeni noma ekukhuliseni umkhawulo womkhiqizo wesikweletu ohlinzekwe kuwo
abantu kanye nezinkampani ze-strata zomuntu siqu, zasekhaya, nezasekhaya
izinhloso noma ukuthengwa noma ukuthuthukiswa kwendawo yokutshala imali,
bese kuba ngonomthwalo wemfanelo ukubolekisa izibopho zizosebenza kuwe.
Ukuboleka okubophezelekile izibopho zihlinzekwe ngaphansi kweSahluko sesi-3 NUmthetho Wokuvikelwa Kwezikweletu Zabathengi 2009 (Cth) (NCCPA).
Ngokuvamile, bavimbela amalayisensi esikweletu ukuthi angangeni noma
ukusiza umthengi ngomkhiqizo wesikweletu ongabafanele.
“Izibopho ezibophezelekile zokuboleka imali ngaphansi koMthetho Kazwelonke Wokuvikelwa Kwezikweletu Zabathengi 2009 (NCCP) ezisebenza kubanikezeli bezikweletu (ababolekisi) nakubahlinzeki bosizo lwezikweletu (umdayisi) ziphawule inkathi entsha yobungcweti embonini yezezimali.” pic.twitter.com/Q0taFac7dY
— Outsolu (@OutsoluNepal) September 1, 2020
I-NCPA idinga abahlinzeki be credit
usizo kanye nekhredithi ukwenza ukuhlola ukuthi ngabe inkontileka yesikweletu
ngeke ilunge kumthengi uma kufakwe inkontileka noma isikweletu
umkhawulo uyanda. Ngaphambi kokwenza ukuhlolwa, umhlinzeki kudingeka ukuthi:
- Yenza imibuzo efanele mayelana nezidingo zomthengi kanye nezinjongo mayelana nomkhiqizo wesikweletu.
- Yenza imibuzo efanele mayelana nesimo sezimali somthengi.
- Thatha
izinyathelo zokuqinisekisa isimo sezimali somthengi.
Bangu
izimo ezithile lapho isicelo somkhiqizo wesikweletu noma i
ukwenyuswa kumkhawulo wesikweletu kufanele kuhlolwe njengokungafaneleki. Lokhu kubandakanya uma, ngo
isikhathi sokuhlolwa, kungenzeka ukuthi:
- The
umthengi ngeke akwazi ukuthobela izibopho zabo zezezimali ngaphansi kwe
umkhiqizo wesikweletu, njengokungakwazi ukuhlangabezana nezinkokhelo ngesikhathi esifanele. - The
umthengi uzokwazi kuphela ukuhlangabezana nezibopho zakhe zezezimali ngaphansi kwekhredithi
umkhiqizo ngobunzima obukhulu. - The
umkhiqizo wesikweletu ngeke uhlangabezane nezidingo noma izinjongo zomthengi.
Kunezinye izimo lapho ungase unqume ukuthi ukunyuka komkhiqizo wesikweletu noma umkhawulo wesikweletu akufanelekile futhi wenqabe ezinye izicelo.
Izinselele
Ubuchwepheshe be-AI kukhona
ezisetshenziswa ngokwandayo kunqubo yokugunyaza isicelo ukuze kuhlolwe ukufaneleka. Kodwa-ke, inselelo yokusebenzisa i-AI amandla
ukuze idatha ihlanekezelwe, okudala ukucwasa okungokwemvelo. Ukunqoba lokhu
isithiyo, ubuchwepheshe be-AI kumele busekelwe kumamodeli asobala lawo
bona futhi ulungise amathuba okucwasa.
Uma uhlose ukuncika
lobu buchwepheshe, kufanele ukwazi ukuchaza kubathengi ukuthi umphumela we
ubuchwepheshe be-AI buyafinyelelwa nokuthi buhambisana kanjani nomsebenzi wakho
izibopho zokuboleka.
Ukuhlola okuqhubekayo nokuqapha ubuchwepheshe kuyizidingo zokunciphisa amathuba okuchema okusha okuvelayo kanye
ukulungisa ngokufanelekile lokho kuchema noma ukungalungi ngesikhathi esifanele.
Ubumfihlo bedatha eqinile nezinyathelo zokuphepha zibalulekile ekuthembekeni nasekuthembekeni kobuchwepheshe be-AI. Abathengi
kufanele bakwazi ukuthemba ukuthi idatha yabo izophathwa ngokuzibophezela. Ngoba
isibonelo, kungase kufaneleke ukwenza ngokungaziwa imininingwane yomuntu siqu engakhonjwa
ngenkathi enza ukufunda imishini amasu noma ukufaka phakathi okokwenziwa
idatha.
Kubalulekile ukuqaphela ukugxambukela kwedatha futhi uthuthukise izilawuli ukuze
khomba futhi ubhekane nezingozi ezinjalo, njengokukhawulela ukulawulwa kwama-algorithms.
Ukubusa okuhle maqondana nobuchwepheshe be-AI
kungenzeka kube lula ukuhlanganiswa okushelelayo ebhizinisini. Lapho
kudingeka kube ukwabiwa okufanele kwabantu kanye nezinsiza zezimali, kanye nemigqa ecacile yesibopho kanye nokuziphendulela. Uhlaka lwesinqumo lwe-AI olugxile ezibophweni zokuboleka ezinomthwalo wemfanelo, kanye nezinhlelo zokuqeqesha ezisemthethweni, luzohumushela ekusetshenzisweni okuthembekile nokunesibopho kwe-AI.
#AI umthethonqubo ku #UK: indlela eya ebuhleni #ukubusa kanye nobuholi bomhlaba? https://t.co/4ul65KC5pd.️@HuwJRoberts1 @jessRmorley @Floridi @RosariaTaddeo v @PolicyR @sallyeaves @nigewillson @ sbusisomngadi1 @Shi4Tech @enilev @SusanHayes_ @BetaMoroney @tlloydjones @danfiehn @Corix_JC pic.twitter.com/leUTrGvLxi
- BusinessIntelligence (@bimedotcom) Kwangathi 26, 2023
Ekugcineni, njengoba siqhubeka sidlulela ku-a
digital umnotho, kubalulekile ukuthi ukusetshenziswa kobuchwepheshe be-AI kwezezimali zabathengi kugxile
ku:
·
-
obala
ukuze kuchazwe izizathu zokuhlolwa kokungafaneleki
abathengi,
· - elawulwayo
ukusetshenziswa ukuze ubumfihlo bedatha nokuvikeleka kugcinwe ngenkathi futhi
ukuqinisekisa ukuthi noma yikuphi ukuchema kuyalungiswa ngemiphumela ehambisanayo
izibopho zokuboleka ezinomthwalo wemfanelo, kanye - ukuziphendulela ukukhuthaza ukwethenjwa kanye nokuzethemba
ku-AI, okuhlanganisa nokuthatha izinqumo ngemuva kobuchwepheshe obunjalo.
- I-SEO Powered Content & PR Distribution. Khuliswa Namuhla.
- I-PlatoData.Network Vertical Generative Ai. Zinike Amandla. Finyelela Lapha.
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- Source: https://www.financemagnates.com//fintech/ais-role-in-responsible-lending-balancing-innovation-with-regulatory-compliance/
