Iibhanki zaseMelika ziya kulahla imisebenzi engama-200 kwiminyaka ezayo

Hayi nje iivenkile ezinkulu bayazama endaweni yabasebenzi bakho iirobhothi. Kule minyaka ilishumi izayo, iibhanki zase-US, ngoku zenza utyalo-mali olungaphezu kwe-150 yeebhiliyoni zeerandi ngonyaka kubuchwephesha, ziya kusebenzisa i-automation ephucukileyo ukudenda abasebenzi abangama-200 ubuncinane. Oku kuya kuba "yeyona nguqu inkulu ukusuka emsebenzini ukuya kwinkunzi" kwimbali yezoshishino. Oku kuchazwe kwi ingxelo abahlalutyi Wells Fargo, enye yeenkampani ezinkulu zokubamba iibhanki kwihlabathi.

Omnye wababhali abakhokelayo beengxelo, uMike Mayo, uthi iibhanki zaseMelika, kuquka i-Wells Fargo ngokwayo, ziya kulahlekelwa yi-10-20% yemisebenzi yazo. Bangena kwixesha elibizwa ngokuba “lixesha legolide lempumelelo,” xa umatshini omnye unokuthabathel’ indawo umsebenzi wamakhulu okanye kwanakumawaka abantu. Ukuyeka emsebenzini kuya kuqala kwii-ofisi eziphambili, kumaziko onxibelelwano kunye namasebe. Apho, ukuncitshiswa kwemisebenzi kulindeleke ukuba kube ngama-30%. Abantu baya kutshintshwa zii-ATM eziphuculweyo, ii-chatbots kunye nesoftware ekwaziyo ukusebenza ngedatha enkulu kunye necomputing yamafu ukwenza izigqibo zotyalo-mali. UMayo uthi:

Ishumi leminyaka elizayo liya kuba lelona libalulekileyo kwitekhnoloji yebhanki kwimbali.

UMike Mayo

Iingxelo zokuba "umphathi, yonke into ihambile, i-cast iyasuswa, umxhasi uyahamba" yinto eqhelekileyo kwihlabathi. Kodwa kunqabile ukuba abahlalutyi benkampani abasuka kwishishini ngokwalo babhengeze ukungakhuseleki kwemeko embi kakhulu kubasebenzi. Ngokuqhelekileyo, ezo ndaba zivela kwimibutho engenzi nzuzo okanye kwiziseko ezizimeleyo. Ngoku u-Wells Fargo ngokuphandle kwaye phantse ngaphandle kwediplomacy uthi: akuyi kubakho msebenzi, yenza okufunayo.

Imali ekhululweyo iya kusetyenziselwa ukuqokelela nokusebenzisa idatha enkulu, kunye nokuphuhlisa i-algorithms yokuxela kwangaphambili. Ngoku kukho ugqatso oluzenzekelayo phakathi kweebhanki ezinkulu zaseMelika, kwaye lowo ususa ngokukhawuleza abasebenzi ethanda isoftware enamandla ngakumbi uya kufumana inzuzo eyomeleleyo.

Kuninzi kuya kutshintsha kubathengi bebhanki. Ii-Chatbots kunye nee-autoresponders ziya kunika inkxaso epheleleyo. Ngokusekwe kumabinzana aphambili okanye iinketho ezikhethiweyo ngumsebenzisi, baya kuqonda undoqo womcimbi kwaye banike iinketho zokusombulula ingxaki. Zonke iibhanki ezinkulu ngoku zibonelela ngeenkqubo ezinjalo, kodwa azikwazi ngokwaneleyo, kwaye ngenxa yoko, umcimbi kaninzi kufuneka usonjululwe ngumntu, umqeshwa oxhasayo. Ngokutsho kukaWells Fargo, kwiminyaka emihlanu ezayo iteknoloji iya kufikelela kwinqanaba elifanelekileyo, kwaye imfuno yabantu abanjalo ayiyi kuba yimfuneko.

Inani labasebenzi beebhanki zaseMelika

Abasebenzi bamasebe nabo baya kuncitshiswa ngeendlela ezininzi. Kuya kubakho umqeshwa omnye okanye ababini ngaphakathi, kodwa isantya sokusebenza kwezicelo siya kunyuka. I-Wells Fargo ayisiyiyo kuphela ibhanki enkulu enezicwangciso ezinkulu zokuzisebenzela. I-Citigroup iceba ukulahla amashumi amawaka abasebenzi, kwaye i-Deutsche Bank ithetha ngokunciphisa i-100, uMichael Tang, intloko yenkampani yokubonisana neenkonzo zezezimali, uthi:

Utshintsho lukhulu kakhulu kwaye lunokubonwa ngaphakathi nangaphandle. Sele sibona iimpawu zoku nokwanda kwee-chatbots, kwaye abantu abaninzi abaqapheli nokuba bathetha ne-AI kuba ineempendulo kwimibuzo abayidingayo.

UMike Mayo, njengommeli webhanki enkulu, uyalivuyela elo themba. Kutshanje, enikezela ingxelo yakhe, uxelele i-CNBC:

Ziindaba ezimnandi ezi! Oku kuya kukhokelela ekuzuzeni irekhodi ekusebenzeni ngokufanelekileyo kunye nokwandisa isabelo semarike kubadlali abakhulu abafana nathi. UGoliyati woyisa uDavide.

"UGoliyati uyaphumelela" nguMayo's catchphrase ngoku uyisebenzisa kuwo onke amajelo omabonwakude. Undoqo kukuba iibhanki ezikala kwaye zikhule ziphumelele. Kwaye ibhanki enkulu, inamandla okuphumelela. Okukhona kufuneka atyale imali eninzi kwiinkqubo ezihambele phambili, kokukhona enokuqalisa ngokukhawuleza imifuniselo yokuthatha indawo yabasebenzi, kokukhona kuba lula ukuba atyale imali kubuchule obutsha kwaye azuze isabelo semarike kwabanye. Ngenxa yoko, ingeniso engakumbi iya kugxininiswa phezulu kakhulu, phakathi kwabantu abambalwa. Kwaye ubuncinci amakhulu amawaka eengcali zebhanki ezincinci - abemi besixeko esincinci - baya kuhlala bengaphangeli. Kulo nyaka, ngendlela, wagxothwa sele 60.

Abasebenzisi nabo abonwabanga kakhulu: abantu abaninzi bakhetha ukunxibelelana nabantu bokwenyani abazama ukusombulula iingxaki zabo. Nokuba eyona nkqubo i-automated igqwesileyo ayiyi kuhlala ikwazi ukufumana impendulo kumbuzo ongekho mgangathweni. Ukongeza, ziya kuba mbalwa kakhulu iibhanki kwixesha elizayo. Abo bangenzi i-automate abasayi kuphinda babekho. Nokuba ungasika 5000 imisebenzi, ukuba sele inzuzo enkulu, ukuba konga malunga nama-350 ezigidi zeerandi ngonyaka. Kunzima ukufumana inzuzo enkulu kangaka usebenzisa nayiphi na enye indlela. Ngoko ke, wonke umntu uya kuzama ukunciphisa. Kwaye inkonzo yokunxibelelana nomcebisi wobuqu inokuhlala kubathengi beVIP.

Kwimeko yangoku, uGoliyati uyaphumelela kwaye abantu abayi-200 balahlekelwa.

umthombo: www.habr.com