Banks of America adzachotsa ntchito 200 m'zaka zikubwerazi

Osati masitolo akuluakulu okha akuyesera m'malo antchito anu ndi maloboti. M'zaka khumi zikubwerazi, mabanki aku US, omwe tsopano akuyika ndalama zoposa $150 biliyoni pachaka paukadaulo, adzagwiritsa ntchito makina apamwamba kwambiri kuchotsera antchito osachepera 200. Uku kudzakhala "kusintha kwakukulu kuchokera kuntchito kupita ku chuma" m'mbiri ya mafakitale. Izi zikunenedwa mu lipoti openda Wells Fargo, imodzi mwamabanki akuluakulu padziko lonse lapansi.

Mmodzi mwa olemba otsogolera lipoti, Mike Mayo, akunena kuti mabanki aku America, kuphatikizapo Wells Fargo mwiniwake, adzataya 10-20% ya ntchito zawo. Aloŵa m’nyengo yotchedwa “nyengo yabwino kwambiri yochitira zinthu mwaluso,” pamene makina amodzi angaloŵe m’malo mwa ntchito ya mazana kapenanso zikwi za anthu. Kuchotsa ntchito kudzayamba kuchokera kumaofesi akuluakulu, malo oimbira foni ndi nthambi. Kumeneko, kuchepa kwa ntchito kukuyembekezeka kukhala 30%. Anthu adzasinthidwa ndi ma ATM otsogola, ma chatbots ndi mapulogalamu omwe amatha kugwira ntchito ndi data yayikulu ndi makina apakompyuta kuti apange zisankho zandalama. Mayo akuti:

Zaka khumi zikubwerazi zidzakhala zofunikira kwambiri paukadaulo wamabanki m'mbiri.

Mike Mayo

Malipoti oti "bwana, zonse zapita, osewera akuchotsedwa, kasitomala akuchoka" ndizochitika zofala padziko lonse lapansi. Koma ndizosowa kuti akatswiri amakampani ochokera kumakampani omwewo amalengeza kusapeŵeka kwazomwe zimakhala zovuta kwambiri kwa ogwira ntchito. Nthawi zambiri, nkhani zotere zimachokera ku mabungwe osachita phindu kapena mabungwe odziyimira pawokha. Tsopano Wells Fargo poyera komanso pafupifupi popanda zokambirana akuti: sipadzakhala ntchito, chitani zomwe mukufuna.

Ndalama zomasulidwa zidzagwiritsidwa ntchito kusonkhanitsa ndi kugwiritsa ntchito deta yaikulu, komanso kupanga ma algorithms olosera. Tsopano pali mpikisano wodzichitira nokha pakati pa mabanki akulu aku America, ndipo amene amachotsa mwachangu antchito m'malo mwa mapulogalamu amphamvu kwambiri adzalandira mwayi wolimba kwambiri.

Zambiri zisinthanso kwa makasitomala aku banki. Ma Chatbots ndi autoresponders adzapereka chithandizo chonse. Kutengera ndi mawu ofunikira kapena zosankha zomwe wogwiritsa ntchito amasankha, amvetsetsa tanthauzo la nkhaniyi ndikupereka njira zothetsera vutoli. Mabanki onse akuluakulu tsopano amapereka machitidwe oterowo, koma sali oyenerera mokwanira, ndipo chifukwa chake, nkhaniyi nthawi zambiri imayenera kuthetsedwa ndi munthu, wogwira ntchito wothandizira. Malinga ndi Wells Fargo, m'zaka zisanu zikubwerazi zamakono zidzafika pamlingo wabwino, ndipo kufunikira kwa anthu otere sikudzakhala kofunikira.

Chiwerengero cha ogwira ntchito kumabanki aku US

Ogwira ntchito m’madipatimentiwo adzachepetsedwanso m’njira zambiri. Padzakhala wogwira ntchito mmodzi kapena awiri mkati, koma kuthamanga kwa zopempha kudzawonjezeka. Wells Fargo si banki yayikulu yokhayo yomwe ili ndi mapulani akulu odzipangira okha. Citigroup ikukonzekera kuchotsa antchito masauzande ambiri, ndipo Deutsche Bank ikukamba za kuchepetsa 100. Michael Tang, yemwe ndi mkulu wa kampani yopereka chithandizo chachuma, anati:

Zosinthazo ndizodabwitsa kwambiri ndipo zimatha kuwonedwa mkati ndi kunja. Tikuwona kale zizindikiro za izi ndi kuchuluka kwa ma chatbots, ndipo anthu ambiri samazindikira kuti akulankhula ndi AI chifukwa ili ndi mayankho a mafunso omwe amafunikira.

Mike Mayo, monga woimira banki yaikulu, amasangalala ndi ziyembekezo zoterozo. Posachedwapa, popereka lipoti lake, adauza CNBC kuti:

Iyi ndi nkhani yabwino! Izi zipangitsa kuti tipeze phindu komanso kuchuluka kwa msika kwa osewera akulu ngati ife. Goliati anagonjetsa Davide.

"Goliati wapambana" ndi mawu a Mayo tsopano; amawagwiritsa ntchito pamawayilesi onse a kanema. Chofunikira ndichakuti mabanki omwe amakula ndikukula amapambana. Ndipo banki ikakula, amapambana mwamphamvu. Akakhala ndi ndalama zochulukirapo kuti agwiritse ntchito machitidwe apamwamba, m'pamenenso angayambe kuyesa kuyesa m'malo mwa antchito, m'pamenenso zimakhala zosavuta kuti agwiritse ntchito luso lazopangapanga ndikupeza msika kuchokera kwa ena. Zotsatira zake, ndalama zochulukirapo zidzayikidwa pamwamba kwambiri, pakati pa anthu ochepa. Ndipo osachepera mazana masauzande a akatswiri azabanki - anthu okhala mumzinda wawung'ono - adzakhalabe opanda ntchito. Chaka chino, mwa njira, adachotsedwa ntchito 60 kale.

Ogwiritsanso sali okondwa kwambiri: anthu ambiri amakonda kulankhulana ndi anthu enieni omwe akuyesera kuthetsa mavuto awo. Ngakhale makina abwino kwambiri odzipangira okha sangathe nthawi zonse kupeza yankho la funso lomwe silili lokhazikika. Kuphatikiza apo, padzakhala mabanki ochepa kwambiri m'tsogolomu. Amene alibe makina sadzakhalakonso. Ngakhale mutadula ntchito 5000, ndiye mwayi waukulu, ndiye kupulumutsa pafupifupi $350 miliyoni pachaka. Ndikovuta kupeza phindu lalikulu chotere pogwiritsa ntchito njira ina iliyonse. Choncho, aliyense adzayesa kuchepetsa. Ndipo ntchito yolankhulirana ndi mlangizi waumwini ikhoza kukhala kwa makasitomala a VIP.

Panopa, Goliati wapambana ndipo anthu 200 ataya.

Source: www.habr.com