{"id":6281,"date":"2020-04-21T05:08:29","date_gmt":"2020-04-21T05:08:29","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=6281"},"modified":"2024-06-04T17:37:23","modified_gmt":"2024-06-04T10:37:23","slug":"nhung-ung-dung-hang-dau-cua-cong-nghe-ai-trong-ngan-hang","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/nhung-ung-dung-hang-dau-cua-cong-nghe-ai-trong-ngan-hang\/","title":{"rendered":"Nh\u1eefng \u1ee9ng d\u1ee5ng h\u00e0ng \u0111\u1ea7u c\u1ee7a c\u00f4ng ngh\u1ec7 AI trong ng\u00e2n h\u00e0ng"},"content":{"rendered":"

T\u1eeb khi tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) xu\u1ea5t hi\u1ec7n, n\u00f3 \u0111\u00e3 t\u1ea1o \u0111\u1ed9ng l\u1ef1c cho nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau. H\u00e3y c\u00f9ng ch\u00fang t\u00f4i t\u00ecm hi\u1ec3u v\u00e0 kh\u00e1m ph\u00e1 nh\u1eefng \u1ee9ng d\u1ee5ng h\u00e0ng \u0111\u1ea7u c\u1ee7a c\u00f4ng ngh\u1ec7 AI trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><\/a>!<\/p>\n

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Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) l\u00e0 g\u00ec?<\/strong><\/h2>\n

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\"\"\u00a0<\/strong><\/p>\n

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Tr\u00ed t<\/strong>u\u1ec7 nh\u00e2n t\u1ea1o (AI)<\/strong> <\/a>l\u00e0 c\u00f4ng ngh\u1ec7 ph\u1ed5 bi\u1ebfn \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i trong nhi\u1ec1u ng\u00e0nh c\u00f4ng nghi\u1ec7p, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 ph\u00e1t tri\u1ec3n nh\u01b0 ng\u00e0y nay. C\u00e1c t\u00ednh n\u0103ng th\u00f4ng minh c\u1ee7a n\u00f3 \u0111ang thu h\u00fat m\u1ed9t l\u01b0\u1ee3ng l\u1edbn doanh nghi\u1ec7p v\u00e0 gi\u00fap h\u1ecd t\u1ea1o ra nhi\u1ec1u l\u1ee3i nhu\u1eadn h\u01a1n. B\u1eb1ng c\u00e1ch l\u1eadp tr\u00ecnh gi\u00fap m\u00e1y m\u00f3c c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 c\u1ee7a con ng\u01b0\u1eddi nh\u01b0: Nh\u1eadn th\u1ee9c th\u1ecb gi\u00e1c, nh\u1eadn d\u1ea1ng gi\u1ecdng n\u00f3i, ra quy\u1ebft \u0111\u1ecbnh v\u00e0 d\u1ecbch gi\u1eefa c\u00e1c ng\u00f4n ng\u1eef.<\/p>\n

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T\u0103ng tr\u01b0\u1edfng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong ng\u00e2n h\u00e0ng<\/strong><\/h2>\n

\u00a0<\/strong><\/p>\n

M\u1eb7c d\u00f9 thu\u1eadt ng\u1eef tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong nhi\u1ec1u th\u1eadp k\u1ef7 qua, nh\u01b0ng n\u00f3 v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1ec3 \u1ee9ng d\u1ee5ng r\u1ed9ng r\u00e3i. So v\u1edbi c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c nh\u01b0 s\u1ea3n xu\u1ea5t, ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe v\u00e0 th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, vi\u1ec7c s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o trong ng\u00e2n h\u00e0ng c\u00f2n r\u1ea5t h\u1ea1n ch\u1ebf. V\u1edbi l\u00fd do l\u00e0 ng\u00e2n h\u00e0ng c\u1ea7n duy tr\u00ec v\u00e0 b\u1ea3o v\u1ec7 t\u00ednh b\u1ea3o m\u1eadt cho b\u1ed9 d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. Tuy nhi\u00ean, do s\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 Internet Banking<\/strong><\/a> v\u00e0 Mobile banking<\/strong><\/a>, s\u1ef1 ph\u1ed5 bi\u1ebfn c\u1ee7a tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong ng\u00e2n h\u00e0ng \u0111ang d\u1ea7n thay \u0111\u1ed5i v\u00e0 t\u0103ng l\u00ean r\u00f5 r\u1ec7t. Ngo\u00e0i ra, n\u00f3 c\u00f2n \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi d\u1eef li\u1ec7u s\u1eb5n c\u00f3 l\u1edbn, nhu c\u1ea7u v\u1ec1 b\u1ed9 x\u1eed l\u00fd cao c\u00e0ng gi\u00fap cho m\u1edf r\u1ed9ng vi\u1ec7c \u1ee9ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng t\u0103ng m\u1ea1nh m\u1ebd.<\/p>\n

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Nh\u1eefng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 AI h\u00e0ng \u0111\u1ea7u trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?<\/strong><\/h2>\n

\u00a0<\/strong><\/p>\n

#1 Chatbot<\/strong><\/h3>\n

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\"Chatbot Chatbot d\u1ec5 d\u00e0ng h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng truy v\u1ea5n th\u00f4ng tin v\u00e0 t\u00ecm hi\u1ec3u c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung kh\u00e1c m\u1ecdi l\u00fac m\u1ecdi n\u01a1i.<\/em><\/p>\n

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Chatbots \u0111\u01b0\u1ee3c xem l\u00e0 \u1ee9ng d\u1ee5ng \u0111\u1ea7u ti\u00ean v\u00e0 l\u00e0 h\u00ecnh th\u1ee9c d\u1ec5 th\u1ea5y nh\u1ea5t m\u00e0 c\u00f3 s\u1ee9c \u1ea3nh h\u01b0\u1edfng c\u1ee7a c\u00f4ng ngh\u1ec7 AI trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng. N\u00f3 \u0111ang hi\u1ec7n \u0111\u1ea1i h\u00f3a c\u00e1ch ng\u00e2n h\u00e0ng cung c\u1ea5p d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. V\u1edbi \u1ee9ng d\u1ee5ng n\u00e0y, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn c\u00e1c chi nh\u00e1nh c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 truy v\u1ea5n th\u00f4ng tin v\u00e0 t\u00ecm hi\u1ec3u c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung kh\u00e1c. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n, tr\u1ea3 l\u1eddi m\u1ecdi l\u00fac m\u1ecdi n\u01a1i ch\u1ec9 v\u1edbi \u1ee9ng d\u1ee5ng Mobile banking tr\u00ean \u0111i\u1ec7n tho\u1ea1i c\u1ee7a m\u00ecnh. V\u00e0 khi kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y \u0111\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng, th\u00ec ng\u00e2n h\u00e0ng \u0111ang t\u00edch h\u1ee3p c\u00e1c d\u1ecbch v\u1ee5 Chatbot \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m c\u00e1 nh\u00e2n h\u00f3a cho ng\u01b0\u1eddi d\u00f9ng v\u00e0 \u0111\u1ed3ng th\u1eddi m\u1edf r\u1ed9ng th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a m\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

C\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng th\u00f4ng minh c\u00f3 th\u1ec3 theo d\u00f5i h\u00e0nh vi c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u00e0 cung c\u1ea5p c\u00e1c \u0111\u1ec1 xu\u1ea5t c\u00e1 nh\u00e2n h\u00f3a c\u00f3 gi\u00e1 tr\u1ecb cho h\u1ecd. C\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng k\u1ebft h\u1ee3p c\u00f4ng ngh\u1ec7 AI s\u1ebd hi\u1ec3n th\u1ecb c\u00e1c d\u1ecbch v\u1ee5, \u01b0u \u0111\u00e3i v\u00e0 th\u00f4ng tin chi ti\u1ebft d\u1ef1a tr\u00ean c\u00e1c m\u1eabu t\u00ecm ki\u1ebfm c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. Do \u0111\u00f3, c\u00e1c Mobile Banking App<\/strong> <\/a>c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch t\u00edch h\u1ee3p c\u00e1c chi\u1ebfn l\u01b0\u1ee3c c\u00f4ng ngh\u1ec7 AI.<\/p>\n

Nhu c\u1ea7u v\u1ec1 lo\u1ea1i Mobile Banking App s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) n\u00e0y \u0111\u00e3 ch\u1ee9ng ki\u1ebfn \u200b\u200bs\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd c\u1ee7a c\u00f4ng ngh\u1ec7 AI trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n

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>> Xem th\u00eam: “10 C\u00e1ch Chatbot AI Thay \u0110\u1ed5i Ng\u00e0nh Ng\u00e2n H\u00e0ng Trong T\u01b0\u01a1ng Lai<\/strong><\/a>”<\/p>\n

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#2 Mang l\u1ea1i t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 l\u00e0m cho qu\u00e1 tr\u00ecnh li\u1ec1n m\u1ea1ch<\/strong><\/h3>\n

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Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) c\u00f3 ti\u1ec1m n\u0103ng r\u1ea5t l\u1edbn trong ng\u00e0nh ng\u00e2n h\u00e0ng. N\u00f3 t\u1ef1 \u0111\u1ed9ng h\u00f3a m\u1ecdi nhi\u1ec7m v\u1ee5 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi con ng\u01b0\u1eddi v\u00e0 l\u00e0m cho to\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n h\u01a1n. V\u00ed d\u1ee5: C\u00f4ng ngh\u1ec7 AI c\u00f3 th\u1ec3 gi\u1ea3m kh\u1ed1i l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c cho ng\u00e2n vi\u00ean, b\u1eb1ng c\u00e1ch \u1ee9ng d\u1ee5ng Chatbot<\/strong><\/a>, n\u00f3 c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 cho kh\u00e1ch h\u00e0ng 24\/7 m\u00e0 kh\u00f4ng m\u1ed9t nh\u00e2n vi\u00ean n\u00e0o c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c. C\u00e1c d\u1ecbch v\u1ee5 t\u1ef1 \u0111\u1ed9ng n\u00e0y cung c\u1ea5p cho kh\u00e1ch h\u00e0ng s\u1ef1 ti\u1ec7n l\u1ee3i trong vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c truy v\u1ea5n th\u00f4ng qua m\u1ed9t h\u1ec7 th\u1ed1ng m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn tr\u1ef1c ti\u1ebfp ng\u00e2n h\u00e0ng. T\u1eeb \u0111\u00f3, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch trong c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, th\u00f4ng qua t\u00ednh n\u0103ng Chatbot tr\u00ean c\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u1ec1 vi\u1ec7c m\u1edf ho\u1eb7c \u0111\u00f3ng t\u00e0i kho\u1ea3n, chuy\u1ec3n ti\u1ec1n, v.v.<\/p>\n

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#3 Thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u<\/strong><\/h3>\n

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\"C\u00e1c C\u00e1c \u1ee9ng d\u1ee5ng d\u1ef1a tr\u00ean tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n hi\u1ec7u qu\u1ea3 qu\u00e1 tr\u00ecnh thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u c\u1ee7a ng\u01b0\u1eddi d\u00f9ng<\/em><\/p>\n

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\u1ee8ng d\u1ee5ng d\u1ef1a tr\u00ean tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n hi\u1ec7u qu\u1ea3 qu\u00e1 tr\u00ecnh thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. C\u00e1c b\u1ed9 d\u1eef li\u1ec7u \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft cho c\u00e1c m\u00e1y AI \u0111\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u. V\u00ec th\u1ebf, Mobile Banking App \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi c\u00f4ng ngh\u1ec7 AI c\u00f3 th\u1ec3 thu th\u1eadp d\u1eef li\u1ec7u c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u00e0 t\u1ea1o ra m\u1ed9t quy tr\u00ecnh h\u1ecdc t\u1eadp h\u00e0nh vi ph\u00f9 h\u1ee3p \u0111\u1ec3 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng. Sau khi ph\u00e2n t\u00edch \u0111\u00fang d\u1eef li\u1ec7u, n\u00f3 c\u00f3 th\u1ec3 mang l\u1ea1i cho ng\u01b0\u1eddi d\u00f9ng tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 c\u00e1 nh\u00e2n h\u00f3a h\u01a1n.<\/p>\n

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#4 Danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n<\/strong><\/h3>\n

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Hi\u1ec7n nay, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111ang \u201c\u0111i s\u00e2u\u201d v\u00e0o th\u1ebf gi\u1edbi AI b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng th\u00f4ng minh, \u0111\u1ec3 gi\u00fap \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 v\u00e0 h\u1ed7 tr\u1ee3 nghi\u00ean c\u1ee9u ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0. Ch\u1eb3ng h\u1ea1n, UBS (Th\u1ee5y S\u0129) hay ING (H\u00e0 Lan) \u0111ang \u1ee9ng d\u1ee5ng h\u1ec7 th\u1ed1ng AI r\u00e0 so\u00e1t th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 th\u00f4ng b\u00e1o cho c\u00e1c h\u1ec7 th\u1ed1ng giao d\u1ecbch thu\u1eadt to\u00e1n c\u1ee7a h\u1ecd.<\/p>\n

Ngo\u00e0i ra, nhi\u1ec1u c\u00f4ng ty d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111ang cung c\u1ea5p c\u00e1c nh\u00e0 t\u01b0 v\u1ea5n robot nh\u1eb1m gi\u00fap kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n d\u00f2ng ti\u1ec1n c\u1ee7a h\u1ecd. Th\u00f4ng qua c\u00e1 nh\u00e2n h\u00f3a, chatbots v\u00e0 m\u00f4 h\u00ecnh kh\u00e1ch h\u00e0ng c\u1ee5 th\u1ec3, nh\u1eefng robot t\u01b0 v\u1ea5n n\u00e0y c\u00f3 th\u1ec3 cung c\u1ea5p nh\u1eefng \u201ct\u01b0 v\u1ea5n ch\u1ea5t l\u01b0\u1ee3ng cao\u201d v\u1ec1 c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 v\u00e0 s\u1eb5n s\u00e0ng cung c\u1ea5p b\u1ea5t c\u1ee9 khi n\u00e0o kh\u00e1ch h\u00e0ng c\u1ea7n. Hi\u1ec7n nay, c\u00f4ng ngh\u1ec7 AI<\/strong><\/a> trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u0111ang ti\u1ebfp t\u1ee5c chuy\u1ec3n \u0111\u1ed5i \u0111\u1ec3 cung c\u1ea5p m\u1ee9c gi\u00e1 tr\u1ecb l\u1edbn h\u01a1n cho kh\u00e1ch h\u00e0ng, gi\u1ea3m r\u1ee7i ro v\u00e0 t\u0103ng c\u01a1 h\u1ed9i l\u00e0m c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh cho n\u1ec1n kinh t\u1ebf hi\u1ec7n \u0111\u1ea1i c\u1ee7a ch\u00fang ta.<\/p>\n

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\"S\u1eed S\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng th\u00f4ng minh gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 d\u1ec5 d\u00e0ng nghi\u00ean c\u1ee9u v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0<\/em><\/p>\n

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#5 Ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd r\u1ee7i ro<\/strong><\/h3>\n

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\u0110\u00f3 l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 c\u1ea7n thi\u1ebft nh\u1ea5t trong ng\u00e0nh ng\u00e2n h\u00e0ng. H\u00e3y nh\u00ecn v\u00e0o v\u00ed d\u1ee5 gi\u1ea3i ng\u00e2n c\u00e1c kho\u1ea3n vay, \u0111\u00e2y l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 ph\u1ee9c t\u1ea1p \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee7 ng\u00e2n h\u00e0ng. B\u1edfi v\u00ec n\u00f3 c\u1ea7n ph\u1ea3i bi\u1ebft t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 duy tr\u00ec t\u00ednh b\u1ea3o m\u1eadt c\u1ee7a d\u1eef li\u1ec7u n\u00e0y khi gi\u1ea3i ng\u00e2n s\u1ed1 ti\u1ec1n.<\/p>\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 n\u00e0y v\u1edbi \u0111\u1ed9 ch\u00ednh x\u00e1c v\u00e0 ri\u00eang t\u01b0 cao h\u01a1n. C\u00f4ng ngh\u1ec7 AI k\u1ebft h\u1ee3p trong c\u00e1c Mobile Banking App c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng theo d\u00f5i c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh g\u1ea7n \u0111\u00e2y v\u00e0 ph\u00e2n t\u00edch c\u00e1c d\u1eef li\u1ec7u li\u00ean quan kh\u00e1c \u0111\u00ean ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi vay. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap c\u00e1c ch\u1ee7 ng\u00e2n h\u00e0ng x\u00e1c \u0111\u1ecbnh c\u00e1c r\u1ee7i ro trong vi\u1ec7c cho vay \u0111\u1ed1i v\u1edbi h\u1ecd. Ngo\u00e0i ra, b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng quy tr\u00ecnh \u0111\u00e1nh gi\u00e1 r\u1ee7i ro do AI \u0111i\u1ec1u khi\u1ec3n, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ph\u00e2n t\u00edch h\u00e0nh vi c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 do \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng x\u1ea3y ra gian l\u1eadn.<\/p>\n

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#6 Ph\u00e2n t\u00edch th\u1ef1c tr\u1ea1ng t\u00e0i ch\u00ednh<\/strong><\/h3>\n

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\"C\u00e1c C\u00e1c m\u00f4 h\u00ecnh tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o trong ng\u00e2n h\u00e0ng \u0111ang s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u00e2n t\u00edch th\u1ef1c tr\u1ea1ng c\u1ee7a v\u00f4 s\u1ed1 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh<\/em><\/p>\n

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C\u00e1c m\u00f4 h\u00ecnh tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o trong ng\u00e2n h\u00e0ng \u0111ang s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u00e2n t\u00edch th\u1ef1c tr\u1ea1ng c\u1ee7a v\u00f4 s\u1ed1 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh. S\u1eed d\u1ee5ng c\u00e1c k\u1ef9 thu\u1eadt m\u00e1y h\u1ecdc k\u1ebft h\u1ee3p v\u1edbi m\u00f4 h\u00ecnh AI c\u00f3 th\u1ec3 cung c\u1ea5p nh\u1eefng c\u00e1i nh\u00ecn s\u00e2u s\u1eafc v\u1ec1 xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng. V\u00ec l\u00fd do n\u00e0y, c\u00e1c m\u00f4 h\u00ecnh tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng r\u1ed9ng r\u00e3i trong c\u00e1c ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd c\u1ee7a qu\u1ef9 ph\u00f2ng h\u1ed9. T\u1eeb nh\u1eefng xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n b\u1edfi c\u00e1c m\u00f4 h\u00ecnh AI, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u00f3 gi\u00e1 tr\u1ecb h\u01a1n cho ch\u1ee7 \u0111\u1ea7u t\u01b0.<\/p>\n

\u00a0<\/strong><\/p>\n

#7 Ph\u00e1t hi\u1ec7n gian l\u1eadn v\u00e0 ch\u1ed1ng r\u1eeda ti\u1ec1n<\/strong><\/h3>\n

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Theo b\u00e1o c\u00e1o McAfee<\/a> v\u1eeba \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 g\u1ea7n \u0111\u00e2y cho th\u1ea5y, trong n\u0103m 2018, nhi\u1ec1u v\u1ee5 vi\u1ec7c gian l\u1eadn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n tr\u00ean to\u00e0n c\u1ea7u v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00ean \u0111\u1ebfn 600 t\u1ef7 USD. \u0110\u1ec3 ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi gian l\u1eadn v\u00e0 r\u1eeda ti\u1ec1n, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang g\u1ea5p r\u00fat chuy\u1ec3n \u0111\u1ed5i v\u00e0 th\u00edch \u1ee9ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 ch\u1ed1ng l\u1ea1i c\u00e1c m\u1ed1i \u0111e d\u1ecda, gian l\u1eadn t\u1eeb b\u00ean ngo\u00e0i. C\u00e1c gi\u1ea3i ph\u00e1p k\u00edch ho\u1ea1t c\u00f4ng ngh\u1ec7 AI v\u00e0 c\u00e1c m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh ti\u00ean ti\u1ebfn m\u1edbi s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng x\u00e1c \u0111\u1ecbnh, ph\u00e2n t\u00edch d\u00f2ng ti\u1ec1n trong th\u1eddi gian th\u1ef1c v\u00e0 ph\u00e1t hi\u1ec7n c\u00e1c giao d\u1ecbch gian l\u1eadn.<\/p>\n

Hi\u1ec7n nay, c\u00f4ng ngh\u1ec7 AI \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng trong vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u c\u1ee7a c\u00e1c giao d\u1ecbch trong qu\u00e1 kh\u1ee9 v\u00e0 hi\u1ec7n t\u1ea1i, d\u1ef1a tr\u00ean c\u00e1c h\u00e0nh vi \u0111i\u1ec3n h\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u201cl\u1ecdc\u201d \u0111\u1ec3 ph\u00e1t hi\u1ec7n ra nh\u1eefng v\u1ea5n \u0111\u1ec1 b\u1ea5t th\u01b0\u1eddng. T\u1eeb \u0111\u00f3, d\u1ec5 d\u00e0ng ng\u0103n ng\u1eeba \u0111\u01b0\u1ee3c c\u00e1c giao d\u1ecbch ph\u1ea1m ph\u00e1p ho\u1eb7c c\u00f3 th\u00eam x\u00e1c nh\u1eadn t\u1eeb kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u tr\u01b0\u1edbc khi giao d\u1ecbch c\u00f3 th\u1ec3 ti\u1ebfn h\u00e0nh hay kh\u00f4ng.<\/p>\n

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\"C\u00f4ng C\u00f4ng ngh\u1ec7 AI \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng trong vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u c\u1ee7a c\u00e1c giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng nh\u1eb1m ng\u0103n ch\u1eb7n h\u00e0nh vi gian l\u1eadn v\u00e0 r\u1eeda ti\u1ec1n<\/em><\/p>\n

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#8 Ng\u00e2n h\u00e0ng tu\u00e2n th\u1ee7 qui \u0111\u1ecbnh<\/strong><\/h3>\n

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Ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng l\u0129nh v\u1ef1c \u0111\u01b0\u1ee3c \u0111i\u1ec1u ti\u1ebft cao nh\u1ea5t c\u1ee7a n\u1ec1n kinh t\u1ebf. T\u1eeb Ch\u00ednh ph\u1ee7 th\u00f4ng qua c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd chuy\u00ean ng\u00e0nh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng, kh\u00e1ch h\u00e0ng kh\u00f4ng s\u1eed d\u1ee5ng ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi t\u1ed9i ph\u1ea1m v\u1ec1 t\u00e0i ch\u00ednh nh\u01b0 gian l\u1eadn v\u00e0 r\u1eeda ti\u1ec1n. Nh\u01b0 v\u1eady, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i tu\u00e2n th\u1ee7 r\u1ea5t nhi\u1ec1u quy \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c ng\u0103n ch\u1eb7n r\u1eeda ti\u1ec1n t\u1eeb ph\u00eda kh\u00e1ch h\u00e0ng song c\u0169ng ph\u1ea3i duy tr\u00ec t\u00ednh b\u1ea3o m\u1eadt cho kh\u00e1ch h\u00e0ng.<\/p>\n

Vi\u1ec7c tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng s\u1ebd l\u00e0m ph\u00e1t sinh chi ph\u00ed \u0111\u00e1ng k\u1ec3, n\u00ean c\u00e1c ng\u00e2n h\u00e0ng \u0111ang t\u00ecm ki\u1ebfm c\u00e1c tr\u1ee3 l\u00fd AI th\u00f4ng minh \u0111\u1ec3 c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 theo d\u00f5i c\u00e1c giao d\u1ecbch, theo d\u00f5i h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng, ki\u1ec3m tra v\u00e0 ghi l\u1ea1i th\u00f4ng tin cho c\u00e1c h\u1ec7 th\u1ed1ng tu\u00e2n th\u1ee7 \u0111\u1ec3 c\u00f3 c\u00e1ch \u0111i\u1ec1u ti\u1ebft kh\u00e1c nhau. Ngo\u00e0i ra, b\u1eb1ng c\u00e1ch xem x\u00e9t c\u00e1c h\u00e0nh vi v\u00e0 m\u00f4 h\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng thay v\u00ec c\u00e1c quy t\u1eafc c\u1ee5 th\u1ec3, c\u00e1c h\u1ec7 th\u1ed1ng d\u1ef1a tr\u00ean AI c\u00f3 th\u1ec3 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng lu\u00f4n tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro chung.<\/p>\n

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>> Xem th\u00eam: “B\u1eaeT BU\u1ed8C TU\u00c2N TH\u1ee6 KYC TRONG L\u0128NH V\u1ef0C T\u00c0I CH\u00cdNH NG\u00c2N H\u00c0NG<\/a><\/strong>”<\/p>\n

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#9 C\u1ea3i thi\u1ec7n s\u1ea3n ph\u1ea9m<\/strong><\/h3>\n

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D\u1eef li\u1ec7u l\u1ecbch s\u1eed c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00f3ng m\u1ed9t vai tr\u00f2 r\u1ea5t quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ec1 xu\u1ea5t ra nh\u1eefng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng d\u1ef1 ki\u1ebfn. D\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 AI, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ph\u00e2n t\u00edch c\u00e1c lo\u1ea1i d\u1eef li\u1ec7u kh\u00e1c nhau v\u00e0 n\u1eafm \u0111\u01b0\u1ee3c th\u00f4ng tin chi ti\u1ebft v\u1ec1 h\u00e0nh vi v\u00e0 s\u1edf th\u00edch c\u1ee7a kh\u00e1ch h\u00e0ng. T\u1eeb \u0111\u00f3, c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n d\u1ecbch v\u1ee5, s\u1ea3n ph\u1ea9m \u0111\u1ec3 ph\u1ee5c v\u1ee5 h\u1ecd m\u1ed9t c\u00e1c t\u1ed1t nh\u1ea5t.<\/p>\n

Ch\u1eb3ng h\u1ea1n, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u1eabn c\u00f3 quan h\u1ec7 giao d\u1ecbch ch\u1ee7 y\u1ebfu v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd (cung c\u1ea5p d\u1ecbch v\u1ee5 g\u1eedi ti\u1ec1n v\u00e0 thanh to\u00e1n). Th\u00f4ng qua vi\u1ec7c n\u1eafm gi\u1eef v\u1ec1 th\u00f4ng tin c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c k\u1ef9 thu\u1eadt c\u00f4ng ngh\u1ec7 AI \u0111\u1ec3 ph\u00e2n t\u00edch c\u00e1c th\u00f4ng tin n\u00e0y, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0a ra \u0111\u1ec1 xu\u1ea5t cho c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng. C\u00f3 th\u1ec3 n\u00f3i, v\u1edbi vi\u1ec7c \u0111\u1ec1 cao \u201cc\u00e1 nh\u00e2n h\u00f3a\u201d, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) \u0111ang t\u0103ng c\u01b0\u1eddng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng ng\u00f4n ng\u1eef t\u1ef1 nhi\u00ean nh\u01b0 m\u1ed9t c\u00e1ch th\u1ee9c m\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 t\u01b0\u01a1ng t\u00e1c.<\/p>\n

Ngu\u1ed3n d\u1ecbch: usmsystems.com<\/em><\/p>\n

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