Masana'antar banki tana jujjuya zuwa ƙididdigewa, haɗin gwiwa da haɗin kai na abokin ciniki, wanda aka yi amfani da shi ta hanyar ɗaukar fasahohin da suka haɗa da ƙididdigar girgije, ƙididdigar bayanai, hankali na wucin gadi da koyan injin (AI / ML), canza abubuwan zaɓin abokin ciniki, da saurin haɓaka tsarin tsari, a sabon rahoton Amazon Web Services (AWS) ya ce.

Rahoton, mai taken Binciken Masana'antu na 2024: Bankin Banki akan Cloud, yana bincika abubuwa daban-daban da ci gaban da ke tsara masana'antar banki, mai da hankali kan tasirin ƙididdigar girgije, ƙididdigar bayanai da AI / ML akan sashin da kuma bincika yadda cibiyoyin kuɗi ke shiga cikin waɗannan fasahohin don isar da mafi girman inganci. kwarewar abokin ciniki, yaki da laifuffukan kudi, dawwama, da magance abubuwan da suka kunno kai ciki har da ayyukan muhalli, zamantakewa da kuma ɗabi'a (ESG). An zana waɗannan abubuwan ne daga hira da abokan cinikin AWS a cikin masana'antar banki, haɗe tare da fahimta daga kamfanonin manazarta da shawarwari na duniya.

Inganta kwarewar abokin ciniki

A cewar rahoton, abubuwa bakwai ne ke tsara masana'antar banki a cikin 2024, na farko da ya shafi inganta hulɗar abokan ciniki, keɓancewa da kuma isar da sabis don biyan buƙatu masu tasowa.

A cikin zamanin dijital na yau, abokan ciniki suna buƙatar gogewa mara kyau da keɓancewa yayin hulɗa da bankunan su, in ji rahoton. Fasaha irin su lissafin girgije, AI / ML da aiki da kai suna ba wa bankuna damar yin hakan, yana ba su damar fahimtar bukatun abokin ciniki, abubuwan da ake so, da ɗabi'a don ba da sabis na keɓancewa da mafita. Fasaha kuma tana ba su damar daidaita matakai da kuma ba da tallafi na gaske.

Wani bincike na kwanan nan akan AI / ML da AI mai haɓakawa a cikin banki wanda AWS da Qorus suka gudanar bayyana cewa ikon AI / ML yana ƙara mahimmanci ga bankunan da ke neman samun riba da gasa a kan masu fafatawa, tare da 49% na masu ba da amsa na banki suna nuna haɓaka AI / ML don sarrafa ƙwarewar abokin ciniki, kuma 82% yana bayyana cewa saka hannun jari na AI / ML don haɓaka ƙwarewar abokin ciniki. sune manyan fifikonsu a cikin watanni 12-18 masu zuwa.

Bankin muhalli

Hali na biyu da aka zayyana a cikin rahoton AWS shine haɓakar banki na muhalli inda cibiyoyin kuɗi ke ƙara ƙaddamar da ra'ayi na tsarin halittu don kama damarmakin masana'antu.

Bankin muhalli ya ƙunshi haɗin gwiwa tare da abokan tarayya daban-daban, gami da kamfanonin fintech, masu samar da fasaha, da sauran masana'antu, don ba da sabis da mafita ga abokan ciniki. Fasaha masu tasowa, gami da ƙididdigar girgije, bayanai, AI da musaya shirye-shiryen shirye-shiryen aikace-aikacen (API) suna ba da damar bankunan su shiga cikin wannan damar, ba su damar haɓaka cikin sauri, fitar da sabbin abubuwa da ayyuka cikin lokaci mai dacewa, da cimma haɗin kai mara kyau a tsakanin giciye da yawa. dandamali masana'antu.

Bankin yanayin muhalli yana wakiltar dabarar canjin masana'antu zuwa haɗin gwiwa, ƙirƙira, da kasancewar abokin ciniki, kuma ya zama babbar dama ta kasuwanci ga bankuna. Deloitte kimomi cewa kusan kashi 30% na kudaden shiga a cikin masana'antar sabis na hada-hadar kudi za a samar da su ta hanyar tsarin muhalli na masana'antu nan da shekara ta 2025. Kashi 77% na bankunan Switzerland da aka yi bincike a kansu sun yi imanin cewa tsarin halittu zai sami muhimmiyar mahimmanci a ci gaban kasuwancin su na gaba.

Haɓaka zamba da kariyar laifukan kuɗi

Hali na uku da aka zayyana a cikin rahoton AWS shine buƙatar amfani da hanyoyin fasaha don magance zamba, haramtacciyar kuɗi, da sauran laifuffukan kuɗi.

Rahoton ya ce bankuna na fuskantar kalubale masu tasowa wajen kare bayanan abokan hulda, da hana hada-hadar kasuwanci mara izini, da kuma tabbatar da bin ka'idojin da aka tsara. Ta hanyar yin amfani da, fasahar ci-gaba kamar lissafin gajimare, AI/ML, tantancewar biometric, algorithms gano anomaly, da tsarin sa ido na ainihin lokaci, bankuna za su iya haɓaka iyawar gano zamba, gano alamu da ake tuhuma, da rage haɗari yadda ya kamata.

Laifukan kudi na ci gaba da samun ci gaba cikin sauri yayin da masu damfara ke danna mafi nagartattun hanyoyin da za su bijiro da ganowa. Wani binciken kwanan nan wanda kamfanin regtech ComplyAdvantage ya gudanar samu cewa kashi 59% na kamfanonin hada-hadar kudi suna tsammanin matakan laifukan kudi za su tashi gaba, tare da 58% na masu amsa suna shirin hayar karin ma'aikata don magance wannan karuwar.

Haɗa ƙa'idodin ESG a cikin banki

Hali na huɗu da AWS ya ba da haske shine haɓaka mahimmancin ayyukan ESG, yana nuna babban sauyi ga kuɗi mai dorewa da saka hannun jari.

Bankunan suna ƙara haɗa ƙa'idodin ESG a cikin tsarin kasuwancin su don daidaitawa tare da manufofin dorewa na duniya, rage haɗari, da haɓaka sunansu a matsayin ƴan ƙasa na kamfanoni masu alhakin. Wannan ya haɗa da yin amfani da ƙididdigar bayanai da hanyoyin fasaha don siye ko gina hanyoyin da ke amfani da bayanan ESG don rage sawun carbon ɗin su, kare kuɗi da babban birnin jama'a, da biyan buƙatun bayyanawa masu tasowa.

Ayyukan ESG suna fitowa a bayan buƙatun girma daga masu saka hannun jari, ƙara matsa lamba na tsari, da sha'awar rage haɗarin da suka shafi sauyin yanayi, rashin daidaiton zamantakewa, da batutuwan mulki.

Yunƙurin hada-hadar banki

Hanya ta biyar tana da alaƙa da ɗaukar tsari mai sauƙi da daidaitawa ga ayyukan banki da ababen more rayuwa.

Haɗin banki yana nufin al'ada inda aka gina aikace-aikacen ta hanyar haɗa ƙananan kayayyaki masu yawa tare. Na'urori gabaɗaya sun ƙunshi kansu kuma suna ba da takamaiman aiki ta hanyar da aka riga aka ayyana da daidaitaccen saitin APIs.

Haɗin banki yana ba da damar bankuna su rushe tsarin gargajiya zuwa ƙananan, abubuwan da za a iya sake amfani da su waɗanda za a iya haɗa su cikin sauƙi da kuma tsara su don ƙirƙirar matakai na ƙarshe zuwa ƙarshe. Wannan hanyar kuma tana ba wa bankuna damar shiga damar haɗin gwiwa tare da abokan haɗin gwiwar fintech, masu haɓaka ɓangare na uku, da masu samar da yanayin muhalli don haɓaka ayyukan haɓaka ƙimar da haɓaka ƙwarewar abokin ciniki gaba ɗaya.

A cikin zamanin dijital, bankuna suna rungumar gine-ginen da za a iya haɗa su don ƙirƙira da tura sabbin hanyoyin warwarewa cikin hanzari don biyan buƙatun abokin ciniki da buƙatun kasuwa. McKinsey kimomi cewa ƙara hadaddun ayyuka zuwa tushen gado na iya ɗaukar banki a ko'ina daga kwanaki 200 zuwa fiye da kwanaki 400, yayin da a kan tushen zamani, bankin zai iya ƙara aikin a cikin ƙasa da wata ɗaya.

Zamantakewa kudi

Halin na shida da AWS ya zayyana ya haɗa da amfani da fasahar ci gaba, nazarin bayanai da dandamali na dijital don canza ayyukan kuɗi, sabunta kuɗi da inganta ingantaccen aiki da haɓaka gabaɗaya.

Bankunan da yawa suna kokawa da tsoffin tsarin kuɗi waɗanda suka dogara da maƙunsar bayanan gado da tsarin aiki, wanda ke haifar da ƙalubalen haɓakawa da haɓaka farashin aiki. Don magance waɗannan batutuwa, bankuna suna haɗa bayanan kuɗi da bayanan kuɗi don inganta yanke shawara, da kuma yin amfani da damar AI / ML don haɓaka daidaiton tsinkaya.

Abokin PwC Diego Cervantes-Knox kimomi cewa canji ta hanyar yanke shawara da sarrafa bayanai da sarrafa kansa zai iya taimakawa ƙungiyoyi su rage farashin da kashi 30% a cikin aikin kuɗi. Waɗannan ragi na farashi sun samo asali ne daga raguwar hanyoyin tafiyar da aikin hannu, haɓaka daidaiton bayanai da ingantaccen aiki.

Ci gaba da yarda

A ƙarshe, yanayi na bakwai da na ƙarshe yana ba da haske game da amfani da fasaha da aiki da kai don haɓaka bin ka'idoji, sarrafa haɗari, da hanyoyin tantancewa na ciki.

Bankunan suna yin amfani da injina da sarrafa girgije don samun hangen nesa na ainihin lokacin cikin ayyukansu, aiwatar da ƙa'idodin gata mafi ƙarancin gata da haɓaka matakan tsaro. Ana amfani da kayan aikin gajimare ta hanyar ML da madaidaitan algorithms don ganowa da kare mahimman bayanai daga shiga mara izini ko amfani.

Ayyukan yarda suna fuskantar canzawa koyaushe da ƙarin buƙatun mai gudanarwa da tsammanin abokin ciniki. A cewar zuwa wani binciken Thomson Reuters, 73% na jami'an bin doka suna tsammanin karuwar ayyukan tsari a cikin shekara mai zuwa.

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• Source: https://fintechnews.sg/89383/ai/banks-embrace-cloud-ai-to-innovate-and-tap-partnership-opportunities/