Mabhanga eAmerica achabvisa mabasa mazana maviri ezviuru mumakore anotevera

Kwete masupamaketi chete vari kuedza tsiva vashandi vako nemarobhoti. Mumakore gumi anotevera, mabhanga eUS, ayo ave kuisa mari inodarika mabhiriyoni zana nemakumi mashanu emadhora pagore muhunyanzvi, achashandisa otomatiki yepamusoro kugumura vashandi vanosvika mazana maviri ezviuru. Iyi ichave "shanduko huru kubva kuvashandi kuenda kumari" munhoroondo yemaindasitiri. Izvi zvakataurwa mu chirevo vaongorori Wells Fargo, imwe yemakambani makuru emabhanga ane mabhanga pasi rose.

Mumwe wevanyori vanotungamira mushumo, Mike Mayo, anopokana kuti mabhanga eAmerica, kusanganisira Wells Fargo pachayo, acharasikirwa ne10-20% yemabasa avo. Vari kupinda muinonzi “nguva yakaisvonaka yokushanda zvakanaka,” apo muchina mumwe unogona kutsiva basa remazana kana kuti kunyange zviuru zvavanhu. Kudzingwa kuchatanga kubva kumahofisi makuru, nzvimbo dzekufonera uye mapazi. Ikoko, kuderedzwa kwemabasa kunotarisirwa kuva 30%. Vanhu vanozotsiviwa nemaATM akavandudzwa, chatbots uye software inokwanisa kushanda nedata hombe uye cloud computing kuita sarudzo dzekudyara. Mayo anoti:

Makumi gumi anotevera achave akanyanya kukosha kubhengi tekinoroji munhoroondo.

Mike Mayo

Mishumo yekuti "shefu, zvese zvaenda, dhizaini iri kubviswa, mutengi ari kuenda" chiitiko chinowanzoitika munyika. Asi kashoma kuti vaongorori vekambani kubva muindastiri pachayo vataure kusadzivirika kweiyo yakaipisisa mamiriro evashandi. Kazhinji, nhau dzakadaro dzinobva kumasangano asingabatsiri kana nheyo dzakazvimirira. Iye zvino Wells Fargo pachena uye anenge asina diplomacy anoti: hapazovi nebasa, ita zvaunoda.

Iyo yakasunungurwa mari ichashandiswa kuunganidza uye kushandisa hombe data, pamwe nekugadzira inofanotaura algorithms. Ikozvino kune nhangemutange ye otomatiki pakati pemabhanga makuru eAmerica, uye uyo anokurumidza kubvisa vashandi achifarira software ine simba anogashira mukana wakasimba.

Zvakawanda zvichachinjawo kune vatengi vebhangi. Chatbots uye autoresponders ichapa rutsigiro rwakazara. Zvichienderana nemitsara yakakosha kana sarudzo dzakasarudzwa nemushandisi, ivo vanonzwisisa kukosha kwenyaya uye nekupa sarudzo dzekugadzirisa dambudziko. Mabhanga makuru ose zvino anopa maitiro akadaro, asi haana kukwanisa zvakakwana, uye semugumisiro, nyaya yacho inowanzofanira kugadziriswa nemunhu, mushandi wekutsigira. Sekureva kwaWells Fargo, mumakore mashanu anotevera tekinoroji ichasvika padanho rakanaka, uye kudiwa kwevanhu vakadaro hakuchazove kwakakosha.

Nhamba yevashandi vemabhanga eUS

Vashandi vemadhipatimendi vachaderedzwawo munzira dzakawanda. Pachave nemushandi mumwe chete kana vaviri mukati, asi kumhanya kwekugadzirisa zvikumbiro kuchawedzera. Wells Fargo harisi iro rega bhangi hombe rine hurongwa hwakakura hwekugadzira otomatiki. Citigroup iri kuronga kudzinga makumi ezviuru zvevashandi, uye Deutsche Bank iri kutaura nezvekudzikiswa kwe100 000. Michael Tang, mukuru wekambani inobvunza nezvemari, anoti:

Shanduko idzi dzakanyanya uye dzinoonekwa mukati nekunze. Tiri kutoona zviratidzo zveizvi nekuwanda kwechatbots, uye vanhu vazhinji havatombo cherechedza kuti vari kutaura neAI nekuti ine mhinduro kumibvunzo yavanoda.

Mike Mayo, somumiririri webhangi guru, anofara netarisiro dzakadaro. Nguva pfupi yadarika, achipa chirevo chake, akaudza CNBC kuti:

Aya mashoko makuru! Izvi zvinotungamira kurekodha kuwana mukubudirira uye nekuwedzera musika kugovaniswa kwevatambi vakuru vakaita sesu. Goriyati anokunda Dhavhidhi.

"Goriyati anokunda" ishoko raMayo rekubata izvozvi; anorishandisa pazviteshi zvese zveterevhizheni. Chinokosha ndechekuti mabhanga anoyera uye anokura anokunda. Uye kukura kwebhangi, kusimba kwaanokunda. Iyo yakawanda mari yaanofanira kuisa mumasisitimu epamberi, nekukurumidza kwaanogona kutanga kuyedza kutsiva vashandi, zvinomuitira nyore kuisa mari mukuvandudza uye kuhwina chikamu chemusika kubva kune vamwe. Nekuda kweizvozvo, kunyange mari yakawanda ichaiswa kumusoro, pakati pevanhu vashoma. Uye angangoita mazana ezviuru evadiki mabhanga nyanzvi - huwandu hweguta diki - vacharamba vasina mabasa. Mwaka uno, nenzira, akadzingwa basa vatova 60.

Vashandisi zvakare havasi kufara zvakanyanya: vanhu vazhinji vanosarudza kutaurirana nevanhu chaivo vari kuedza kugadzirisa matambudziko avo. Kunyangwe iyo yakanakisa otomatiki sisitimu haizogara ichikwanisa kuwana mhinduro kumubvunzo usiri-standard. Mukuwedzera, kuchava nemabhangi mashoma mune ramangwana. Avo vasingaite otomatiki havachazovepo. Kunyangwe iwe uchigona kucheka zviuru zvishanu zvemabasa, yatove mukana wakakura, ndizvo kuchengetedza anenge mamiriyoni 350 emadhora pagore. Zvakaoma kuwana bhenefiti yakakura kudaro uchishandisa chero imwe nzira. Nokudaro, munhu wose achaedza kuderedza. Uye sevhisi yekutaurirana neanopa zano wega inogona kusara yeVIP vatengi.

Mumamiriro ezvinhu aripo, Goriyati anokunda uye vanhu 200 vanorasikirwa.

Source: www.habr.com