August 29th-3rd120th19th World Artificial Intelligence Conference was held in Shanghai World Expo Center. Focusing on the theme of "Unlimited possibilities in the world of Zhilian", the conference conducted in-depth discussions on cutting-edge technologies, key industries and important topics in the field of artificial intelligence from the perspectives of technology trends, applications, industrial ecology, personnel training and public governance.
AI deeply empowers finance
When it comes to financial business, I immediately think of a series of technical terms such as risk control, anti-fraud and big data, but these are too obscure for ordinary people to understand. Now, in the Pudong Expo Exhibition Hall of this year's artificial intelligence conference, financial technology companies have provided a more exciting experience and effectively narrowed the "last mile" between us and finance in a more "fun" way.
"Micro-expression recognition technology can identify seven categories of human emotions: happiness, anger, disgust, fear, sadness, surprise and facial expressionlessness. There are 54 emotions and 39 facial action units, which can identify more than 90% of expression changes." At the exhibition site, the technical staff of financial one account pass introduced.
It is understood that micro-expression recognition technology has won the first honor in the world in the international facial action unit recognition competition, and it has been widely used in the face-to-face loan review to help the face-to-face auditors prompt the risk of fraudulent loans.
"Not only emotional expressions, but also machines can recognize the emotions of words." The field staff said that the experiencer opened the "Gamma O" open platform, which contains various artificial intelligence technologies, one of which is text emotion recognition. As long as the experiencer inputs a paragraph, he can intelligently identify the emotions of the experiencer when inputting words.
It is worth noting that the application of AI technology in the financial field is not limited to the field of To B (for industry), but also includes other financial service fields of To C (for individuals), such as customer service.
At this conference, the financial account also showed several rounds of dialogue, semantic understanding and other technologies. No matter what the experiencer said or wrote, it can be understood by intelligent machines, and the required results can be analyzed through corresponding logic. Relevant staff introduced to the experiencer that multi-round dialogue and semantic understanding technology can be applied to intelligent outbound robots, and the basic work can be completed by building AI robots instead of manual work. In the intelligent outbound robot, adding emotion recognition technology can also sense the emotional changes of customers, reduce manual complaints and find business breakthroughs. This service can be applied to many financial business scenarios, including stock customer management, new product recommendation, repayment reminder, customer return visit survey and so on. By replacing a large number of manual customer service with robots, the labor cost of the call center is greatly reduced and the service efficiency is improved.
With the rapid development of artificial intelligence technology, AI technology, known as the "no man's land" of financial technology, is becoming an important innovation direction of wealth management industry and a "battleground for military strategists". During the conference, lufax announced that he was empowering the trust industry through the technology and experience of financial technology, helping the traditional trust industry to solve five pain points: difficult asset risk control, low operational efficiency, poor customer experience, difficult market access and high customer acquisition cost.
At the same time, lufax officially demonstrated the "4KY" system, that is, lufax integrated AI technology into the full wealth management scene, comprehensively upgraded the interactive experience of intelligent wealth management, provided personalized wealth management services for users, and reshaped the wealth management industry.
At present, lufax Platform has begun to try to use intelligent financial robots to communicate with users by natural language and open dialogue, providing users with various financial services including account inquiry, product consultation, market analysis and investor education. By using artificial intelligence to provide customer service, lufax strives to solve the matching problem between users and products, and solve a large number of unmet financial service needs of more users, hoping to reverse the stereotype that financial services only serve some top-level people and make financial services benefit the general public.
The data shows that with the help of AI, the frequency of user service interaction of lufax platform has increased five times compared with the past, which greatly improves the user service surface and response speed. At the same time, the problem solving rate of artificial intelligence customer service has increased by 2 times, greatly improving the service efficiency of users.
In fact, behind intelligent customer service and humanized service is the mutual drive of scientific and technological forces such as AI, big data and cloud computing. According to the user survey of "White Paper on New Customer Service Industry" jointly launched by Ant Financial and Accenture recently, 80% of users want customer service to know more about themselves; 7 1% users said that they wanted to solve the problem by themselves instead of communicating with others. Consumers have higher requirements for the inclusiveness, technicality, customization, insight and self-help of customer service.
2065438+August 2007, Alipay put forward the concept of "new customer service", and with the help of AI and other means, it changed the traditional passive and waiting service mode to actively explore the potential needs of users and provide users with more inclusive services. In the past two years, with the development of artificial intelligence technology, big data and other technologies, new customer service has been upgraded to a complete industry solution. While serving a large number of Alipay users, it can also export the system technical ability of new customer service to the industry, improve the efficiency of the whole industry and reduce the operation and maintenance cost of the call center.
According to the data of Ant Financial, compared with 20 16 and 20 18, the overall business volume increased by 120%, but the manpower only increased by 1 1%, the satisfaction rate reached 80%, and the service efficiency was greatly improved. By means of data analysis and artificial intelligence, the whole customer behavior can be scanned more accurately, and the customer service demand points can be predicted and identified at the same time, which makes the allocation and use of call center resources more accurate.
"productivity" at the climax
Behind these magical and amazing technologies, AI is subtly changing the format of the financial industry.
At present, the application of AI technology in the financial field has been shaped by the outside world, but in fact, in addition to the financial field, autonomous driving, medical care, voice recognition, image recognition and other fields are also important tracks for AI. So, why does finance become a more outstanding "lucky"?
Specifically, Zhu Mingjie analyzed that industries that can successfully apply AI have some * * * in common:
First of all, the information base and data volume are rich; Secondly, the application scenarios and users are large enough to be driven by core business data; Once again, willingness to pay. Therefore, the Internet industry was first successfully applied. Today's financial industry also has these conditions. Data is the core value of finance. Financial technology, which deeply integrates information technology and financial services such as artificial intelligence, big data and cloud computing, has become a new engine to promote financial transformation and upgrading.
However, Wu Zhong also admitted that there are actually many difficulties in combining the intelligent risk control and anti-fraud in the field of DATAVISOR. "Data accumulation has a lot of preliminary work to do. Financial institutions attach importance to the structure of data collection, and electronicization is the foundation. Different from other fields, the application of AI in the field of intelligent risk control has strong offensive and defensive evolution. In fact, the labels of malicious fraud by bad guys have accumulated less and need to be constantly replaced, because once an attacker is intercepted, he will change his tactics.
"In the field of anti-fraud, how to solve a big problem without or with little tag data is worth thinking about. In fact, many AI landings use big data samples to solve a small problem or a single problem. However, in the financial field, especially in the field of anti-fraud, small training data is needed to solve big problems. " Wu Zhong said.
In the wealth management industry, "we should not only know what customers need now and what they can buy, but also predict what users need in the future and what they are suitable for." Mao, chief technology officer of lufax, concluded: "Artificial intelligence technology is reshaping all levels of the wealth management industry. It can not only solve the pain points of imbalance between supply and demand, interest orientation, high cost, high threshold, uneven service level and so on, but also provide investors with' accurate portraits' through big data, machine learning and other technologies, so that institutions can better understand customer needs, asset status, risk preferences and other aspects, and truly realize personalized services for thousands of people. From a regulatory point of view, the cooperation between AI technology and other technologies can also make the wealth management service process more open and transparent, with a complete service record to support effective supervision. "
In fact, in addition to the financial industry, players of financial technology are also exploring other scenarios where AI "hammer" can be used. Wu Zhong said, "We are now exploring the Internet field in addition to finance. Combined with unsupervised technology, we will become more open and become a platform product. More different banks and other financial institutions can obtain better machine learning and unsupervised technology at a lower cost in the process of informationization without rebuilding the wheels. "
At the same time, "we also see that there are still many opportunities in auto insurance, life insurance, social security and air travel in the insurance industry." Wu Zhong said.
Appreciate AI innovative talents
The driving force of the development of artificial intelligence is the technology of continuous innovation and change. Behind the technology is the continuous exploration and improvement of generations of "AI people". We can't help but ask, what should an excellent "AI person" look like?
In this regard, in the view of Mao Junfa, member of the Standing Committee of the Party Committee and vice president of Shanghai Jiaotong University, a solid mathematical foundation, extensive knowledge and agile thinking are essential. He also pointed out that for students who are interested in the artificial intelligence industry, if they really like it, do it. If they don't like it, don't join in the fun. If you choose the right one, stick to it. "Maybe you will find that the industry of AI is not as lively and romantic as you think, but if you choose the right one, you will persist for a long time and you will succeed."
Shen Xiangyang, global executive vice president of Microsoft, believes that this is a very exciting time for artificial intelligence, and there are many things to do. However, the most important thing is to be ambitious. If you have the opportunity to do artificial intelligence research and have such an ambition, you can certainly do great work.
In 20 17, the State Council released the development plan of a new generation of artificial intelligence, and set the AI development goal with 2030 as the deadline. In order to achieve this goal, by 2020, many milestones need to be achieved, including making great contributions in the field of basic research, becoming a destination to attract emerging talents around the world, and reaching the world leading level in the artificial intelligence industry.
Taking the World Artificial Intelligence Conference as an opportunity, Shanghai has accelerated the in-depth application and industrial development of artificial intelligence, strived to build a national artificial intelligence development highland, and become a leading artificial intelligence innovation source, application demonstration site, industrial cluster and talent highland in China. At present, there are more than 1000 artificial intelligence core enterprises in Shanghai, more than 3,000 pan-artificial intelligence enterprises, and the scale of related industries exceeds 70 billion yuan, ranking first in the country.
Zhu Mingjie threw such a question at the high-end meeting of AI young scientists:
"Today's World Artificial Intelligence Conference has the best young people in the AI ? ? era, the most outstanding scientists, experienced industrial predecessors, and so many leaders who care about the intelligent industry gathered in Shanghai. In this just-opened AI era, can you establish such a closed loop in Shanghai? "
At this artificial intelligence conference, in addition to the gathering of world-renowned AI business leaders, the gathering of top academic coffee, and the collective appearance of new artificial intelligence forces, the "Class A Plan" of the AI Young Scientists Alliance also surfaced.
In this regard, Zhu Mingjie, who is also the initiator of the "Class A Plan", said: "Compared with the entrepreneurial atmosphere and resources in Silicon Valley, we should give young people more opportunities to stand on the same starting line." He believes that "compared with younger AI talents, we are a few years older, have entrepreneurial experience, and academic professors also have good laboratory resources. I hope to accelerate the success of AI talents through projects such as' Class A Plan'. "
It is understood that at the beginning of the selection, Class A plans to face outstanding doctoral students and founders of start-ups around the world (financing does not exceed Round A). "Hard conditions" include the recognition of the world's top academic conferences between the ages of 20 and 30, and the scientific and technological content of the entrepreneurial direction.
Combined with practical experience in krypton technology, Zhu Mingjie said that the AI era is more favored by all-round AI entrepreneurs. Start-ups must first answer the essential questions of business and complete the business closed loop of "from products to customers to R&D reinvestment" in order to ensure their strong growth. Only in this way can they become great scientific and technological enterprises. In addition to talents, an effective environment is a successful closed loop of continuous iteration among talents, markets and scientific research.
This article is from International Finance News.
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