Ile-iṣẹ awọn iṣẹ inawo n ṣiṣẹ ni ala-ilẹ ti o ni agbara pupọ si, nibiti awọn ilọsiwaju oni-nọmba ṣe ipa pataki ni sisọ ọjọ iwaju ti eka naa. Lakoko ti imọ-ẹrọ tẹsiwaju lati yi ile-iṣẹ awọn iṣẹ inawo pada, FIs gbọdọ tiraka lati pade awọn ilana ile-iṣẹ ti o lagbara laisi didipa pataki pataki ti aabo data owo ifura ati aabo jibiti/itanjẹ.

Bi a ṣe n tẹ siwaju si 2024, awọn ile-ifowopamọ ti mura lati mu awọn idoko-owo wọn pọ si ni awọn agbegbe to ṣe pataki ti o ni ipa taara awọn iṣẹ wọn, iriri alabara, ati ibamu ilana. Ninu nkan yii, a yoo ṣawari awọn aaye imọ-ẹrọ bọtini - imọ-ẹrọ ibamu, cybersecurity, ati isọdi-ara ẹni - awọn agbegbe mẹta ti pataki ilana ti yoo rii idoko-owo diẹ sii lati awọn banki ni ọdun yii.

1. Imọ-ẹrọ ibamu

Ile-iṣẹ ifowopamọ jẹ ọkan ninu awọn inaro ti a ṣe ilana ga julọ lori aye. Awọn ilana ile-iṣẹ lile nilo ifaramọ deede lati awọn ile-iṣẹ inawo. Aisi ibamu tumọ si pe awọn ile-iṣẹ le jẹ itanran, ti o ja si isonu ti igbẹkẹle lati ọdọ awọn alabara wọn. Imọ-ẹrọ ibamu ni idaniloju pe awọn ile-ifowopamọ pade awọn ibeere ilana ti o muna daradara ati imunadoko. Lati Anti-Money Laundering (AML) lati Mọ Awọn ilana Onibara Rẹ (KYC), awọn solusan imọ-ẹrọ ibamu ti o lagbara le mu awọn iṣẹ ile-ifowopamọ ṣiṣẹ ni imunadoko, dinku akitiyan afọwọṣe, ati dinku awọn ewu.

Bi awọn ilana ṣe ndagba ati dagba eka sii, iwulo fun ibamu ati mimu pẹlu agbegbe iyipada pọ si. Ṣugbọn lakoko ti awọn idiyele le jẹ giga - 32% ti awọn ile-ifowopamọ UK ti ṣe iwadi ni ọdun 2022 nireti awọn idiyele ibamu wọn lati kọja 5% ti owo-wiwọle - awọn ile-ifowopamọ le ṣe idoko-owo ni imọ-ẹrọ ibamu lati mu awọn ipa iṣowo nla nikẹhin.

Diẹ ninu awọn ipa ti a nireti ati awọn anfani fun FI pẹlu:

- Awọn anfani ṣiṣe: adaṣe ti awọn ilana ibamu dinku awọn aṣiṣe afọwọṣe ati mu ṣiṣe ipinnu mu yara.
- Ilọkuro Ewu: Ilọsiwaju ibojuwo ati awọn itaniji akoko gidi ṣe iranlọwọ fun awọn banki duro niwaju awọn ewu ti o pọju.
- Idinku idiyele: Nipa adaṣe adaṣe awọn iṣẹ ṣiṣe atunwi, awọn ile-ifowopamọ le pin awọn orisun ni ilana diẹ sii.

Awọn onibara tun duro lati ni anfani lati inawo imọ-ẹrọ afikun lori awọn imọ-ẹrọ ti o ni ibatan. Ni pataki julọ, awọn igbese ifaramọ lile ṣe aabo fun awọn alabara, dinku agbara fun jegudujera. Awọn anfani wewewe tun wa: awọn ilana ifaramọ ṣiṣanwọle diẹ sii tumọ si ṣiṣi akọọlẹ iyara ati awọn gbigbe inawo.

 2. Aabo Cybers

Ilọsoke ninu awọn irokeke cyber, paapaa bi AI ṣe di ohun elo ti a lo nigbagbogbo nipasẹ awọn olosa ti o fafa ati awọn ajọ ilufin, jẹ ipenija pataki si eka ile-ifowopamọ. Ati pe bi awọn ile-ifowopamọ ṣe n ṣiṣẹ pẹlu awọn olutaja ẹnikẹta nigbagbogbo lati pese diẹ sii tabi awọn iṣẹ to dara julọ, alaye idanimọ ti ara ẹni awọn alabara (PII) di paapaa jẹ ipalara si ifihan. Ni otitọ, ni Oṣu kọkanla ọdun 2023 Bank of America royin pe irufin cybersecurity kan, ninu eyiti ọkan ninu awọn olutaja rẹ ti gepa, yorisi ifihan ti PII alabara.

Awọn idoko-owo cybersecurity ti o pọ si jẹ pataki lati daabobo data owo ifura, ṣe idiwọ irufin, ati ṣetọju igbẹkẹle alabara. Bi cyberattacks ti di fafa diẹ sii, awọn banki gbọdọ fun awọn aabo wọn lagbara ati gbero awọn ibatan wọn pẹlu awọn olutaja ẹni-kẹta, paapaa ti awọn olutaja yẹn ba ni iraye si data ifura kanna ti awọn ile-ifowopamọ funrararẹ ṣe.

Awọn ipa ti a nireti pẹlu:

- Idaabobo data: Awọn igbese cybersecurity ti o lagbara ṣe aabo alaye alabara lati iraye si laigba aṣẹ.
- Resilience: Awọn ile-ifowopamọ le dahun ni iyara si awọn iṣẹlẹ, idinku awọn idalọwọduro.
- Iṣakoso olokiki: iduro aabo to lagbara mu igbẹkẹle alabara pọ si.

Bi abajade idoko-owo ti o tẹsiwaju ni awọn aabo cybersecurity, awọn alabara yoo ni ifọkanbalẹ ti ọkan ti o mọ pe data wọn wa ni aabo, pẹlu anfani ti a ṣafikun ti iwuri (ati ireti alekun) adehun igbeyawo pẹlu awọn iṣẹ ifowopamọ oni-nọmba.

 3. Ti ara ẹni

Ni akoko ti isọdi-ara-ẹni, awọn ile-ifowopamọ gbọdọ ṣe deede awọn ọrẹ wọn si awọn ayanfẹ ẹni kọọkan. Ida mejilelaadorin ti awọn onibara ṣe iwadi ni Forrester's 2021 "Ikẹkọ Onibara lori Imudara Ti ara ẹni ni FI” Iroyin royin pe awọn ipese ọja ifowopamọ jẹ diẹ niyelori nigbati a ṣe deede si awọn iwulo olukuluku wọn. Ati ninu ijabọ 2023, "Ipo ti Ilọsiwaju ti ara ẹni ni Awọn iṣẹ Iṣowo” nipasẹ Yield Yiyi, 86% ti awọn ile-iṣẹ inawo ti a ṣe iwadi royin pe isọdi-ara ẹni jẹ pataki ti o han gbangba, ti o han fun ile-iṣẹ naa ati ilana oni-nọmba gbogbogbo rẹ; ati siwaju sii, pe 92% ti FIs gbero lati nawo siwaju sii ni ilana naa.

Imọ-ẹrọ ti ara ẹni lo awọn atupale data, ẹkọ ẹrọ, ati AI lati ṣẹda awọn iriri adani fun awọn alabara. Lati awọn iṣeduro ọja ti ara ẹni si titaja ifọkansi ti o da lori alaye ti wọn ti ni tẹlẹ nipa alabara; awọn ile-ifowopamọ le jinle adehun alabara ati mu ọja pọ si ati tita-agbelebu iṣẹ.

Awọn ipa ti a nireti pẹlu:

- Ilọrun Onibara: Awọn ibaraẹnisọrọ ti ara ẹni ṣe atilẹyin awọn ibatan ti o lagbara.
- Awọn aye Titaja-agbelebu: Awọn iṣeduro ti o ni ibamu ṣe iwakọ isọdọmọ ọja ni afikun.
- Edge idije: Awọn ile-ifowopamọ ti o loye awọn alabara wọn dara julọ le ju awọn abanidije lọ.

Ni ikọja awọn anfani ti o han gbangba si awọn ile-iṣẹ inawo, awọn alabara wọn yoo gba awọn ipese ati awọn solusan diẹ sii ni ibamu pẹlu awọn iwulo ati awọn ihuwasi wọn. Gbigbe awọn ipese ifọkansi diẹ sii yoo dinku akoko ti awọn alabara ni lati lo wiwa fun alaye ti o yẹ.

ik ero

Bi awọn ile-ifowopamọ ṣe nlọ kiri awọn ilọsiwaju imọ-ẹrọ oni ati awọn eka ti o pọ si ti ala-ilẹ inawo, idoko-owo ni imọ-ẹrọ ibamu, cybersecurity, ati isọdi-ara ẹni yoo jẹ pataki si aṣeyọri ilọsiwaju wọn. Awọn yiyan imọ-ẹrọ ilana wọnyi kii ṣe imudara ṣiṣe ṣiṣe nikan lati dinku idiyele ti ṣiṣe iṣowo labẹ awọn ipo ọja lọwọlọwọ, ṣugbọn tun ga iriri ile-ifowopamọ gbogbogbo fun awọn alabara, win-win lẹsẹkẹsẹ fun eka naa ati ami ohun ti n bọ.

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