Ukusungula Amarobhothi Emkhakheni Webhange
Ukuthuthukiswa kwe-robotics kanye ne-artificial intelligence (AI) eminyakeni eyishumi edlule kushintshe indlela izimboni eziningi ezisebenza ngayo, okuhlanganisa nomkhakha wamabhange. Amabhange, ayekade ehlotshaniswa nenkonzo yobuso nobuso, imigqa emide, kanye nezinqubo zokuphatha eziyinkimbinkimbi, manje aseya ezinsizakalweni ezisheshayo, ezenzelwe umuntu siqu, nezisebenza kahle kakhulu. Ukusungula ama-robotics akukhona nje "ukuthatha indawo yabantu," kodwa kunalokho ukuqinisa ikhono lamabhange lokusebenzela amakhasimende, ukuphatha ubungozi, nokukhulisa umkhiqizo ngezindleko ezilawulekayo. Lesi sihloko sixoxa ngendlela ama-robotics asetshenziswa ngayo ebhange, izinzuzo ezitholakalayo, izinselele ezibhekene nazo, kanye neziqondiso ezingaba khona zesikhathi esizayo.
Ukuqonda Amarobhothi Ngokwesimo Sebhange
Amarobhothi ebhange akusho ngaso sonke isikhathi ukuthi amarobhothi angabantu ahambahamba emahhovisi egatsha. Ezimweni eziningi, elithi "robot" libhekisela ezinhlelweni ezizenzakalelayo ezisekelwe kusofthiwe njengeRobotic Process Automation (RPA). I-RPA ubuchwepheshe obuvumela "amarobhothi" ukulingisa izenzo zabantu ezinhlelweni zekhompyutha: ukugcwalisa amafomu, ukuhambisa idatha, ukuhlola amadokhumenti, ukuthumela izaziso, ngisho nokuvumelanisa imibiko. Ngakolunye uhlangothi, amarobhothi angokoqobo nawo aqala ukusetshenziswa emahhovisi egatsha athile njengabamukeli bedijithali, abaqondisi bezinsizakalo, noma amathuluzi okufundisa ngomkhiqizo.
Inhlanganisela ye-RPA, i-AI, ukufunda komshini, ukucubungula ulimi lwemvelo (i-NLP), kanye nombono wekhompyutha kuqhuba amabhange ukwakha izinqubo zebhizinisi ezizenzakalelayo nezihlakaniphile. Umphumela uba isevisi esabela kakhudlwana, izinqubo zangaphakathi ezihlelekile, kanye nokuhlangenwe nakho kwamakhasimende okuhlala njalo.
Ukuzenzakalela Kwenqubo Yokusebenza nge-RPA
Enye yezindlela ezisetshenziswa kakhulu ze-robotics emkhakheni wamabhange ukwenza ngokuzenzakalela izinqubo zasehhovisi. Imisebenzi eminingi yokusebenza kwebhange iyaphindaphindwa futhi idla isikhathi, njengokuqinisekisa idatha yamakhasimende, ukufaka ukuthengiselana, ukufanisa idatha phakathi kwezinhlelo, noma ukukhiqiza imibiko yokuthobela imithetho. I-RPA isiza amabhange ukunciphisa amaphutha abantu ekucutshungulweni kwedatha futhi isheshise imijikelezo yomsebenzi.
Izibonelo zezicelo ze-RPA ezivamile zifaka:
– Inqubo yokuvula i-akhawunti: ama-bot angathola idatha kumafomu edijithali, ahlole ukuphelela, bese eyifaka ohlelweni oluyinhloko lwebhange.
- Ukubuyisana kokuthengiselana: ama-bot angaqhathanisa idatha yokuthengiselana evela emithonjeni eminingi kanye nokuphawula okungafani.
– Ukucubungula isimangalo noma impikiswano: ama-bot asiza ukuqoqa idatha esekelayo, ukuhlanganisa izifinyezo, nokuhambisa amacala kumayunithi afanele.
Ukusebenza kahle okubangelwa yilokhu kuvame ukuba yinto ebalulekile. Ngaphezu kokunciphisa izikhathi zokucubungula kusukela emahoreni kuya emizuzwini, amabhange angaphinde aqondise abasebenzi emisebenzini eyengeziwe njengokuhlaziya, ukuphathwa kwamacala ayinkimbinkimbi, noma ukuthuthukiswa kobudlelwano namakhasimende.
Amarobhothi kanye nabasizi be-Virtual besevisi yamakhasimende
Ngasohlangothini lwehhovisi elingaphambili, ukusungula izinto ezintsha kumarobhothi kubonakala ngama-chatbots kanye nabasizi abangokoqobo abangaxhumana namakhasimende amahora angama-24 ngosuku, izinsuku eziyi-7 ngesonto. Ngokusekelwe ku-NLP, ama-chatbots angaphendula imibuzo evamile: imibuzo yebhalansi, izimo zokudlulisa, ulwazi lomkhiqizo, amashejuli okukhokha, ngisho nokuvimba amakhadi. Ezingeni elithuthukile kakhulu, abasizi abangokoqobo banganikeza izincomo ngokusekelwe ekuziphatheni kokuthengiselana kwamakhasimende kanye nezintandokazi zawo.
Okwamanje, amabhange amaningana emhlabeni wonke azame ukusebenzisa amarobhothi angokoqobo emagatsheni awo. Lawa marobhothi asebenza njengababingeleli, eqondisa amakhasimende ezindaweni ezifanele zokubala, esiza ekugcwaliseni ifomu, futhi enikeza ulwazi lomkhiqizo. Ukuba khona kwamarobhothi angokoqobo kungadala futhi ulwazi olusha nolwesimanje, ikakhulukazi kumakhasimende afuna isevisi esheshayo ngaphandle kokulinda abasebenzi ukuba bafike.
Kodwa-ke, ukusebenza kahle kwama-bot esevisi kuncike kakhulu ekwakhiweni kolwazi lomsebenzisi. Uma i-bot kunzima ukuyiqonda, iphendula ngokuqinile, noma ingakwazi ukusingatha izimo ezithile, amakhasimende azokhungatheka. Ngakho-ke, amabhange amaningi asebenzisa indlela ehlanganisiwe: ama-chatbot aphatha imibuzo elula, kuyilapho amacala ayinkimbinkimbi edluliselwa kuma-ejenti abantu (ukudluliselwa kwabantu) ngaphandle kokuphinda idatha kusukela ekuqaleni.
Umbono Wekhompyutha kanye Nokuzenzakalela Kokuqinisekiswa Kwedokhumenti
Amarobhothi anamuhla ahlanganisa nekhono "lokubona" ngokubona kwekhompyutha. Lobu buchwepheshe busiza amabhange ezinqubweni ze-Know Your Customer (KYC) kanye nokuqinisekiswa kobunikazi. Ngokuhlaziya izithombe, uhlelo lungaqinisekisa ubuqiniso bemibhalo, lufanise ubuso nezithombe ze-ID, luthole ukushintshwa, futhi luhlole ikhwalithi yemibhalo.
Esikhathini sokuvulwa kwama-akhawunti aku-inthanethi kanye nezicelo zesikweletu, umbono wekhompyutha usheshisa ukuqinisekiswa ngaphandle kokubeka engcupheni ukuphepha. Amabhange anganciphisa ukukhwabanisa kobunikazi ngokuhlanganisa i-biometrics, ukutholwa kokuphila (ukuthola ukuthi ubuso obuthwetshuliwe bungumuntu ophilayo, hhayi isithombe), kanye nokuhlaziywa kwengozi. Lokhu kunomthelela oqondile ekunciphiseni ukulahlekelwa kanye nokwandisa ukwethenjwa komphakathi ezinsizeni zedijithali.
Amarobhothi Okuphathwa Kwengozi Nokutholwa Kokukhwabanisa
Ukukhwabanisa kanye nobugebengu bezezimali kuyinselele enkulu emabhange. Ukusungula izinto ezintsha zamarobhothi, ikakhulukazi i-AI ehlanganiswe ne-RPA, kusiza amabhange ukuthola amaphethini okuthengiselana asolisayo ngesikhathi sangempela. Uhlelo lungaqapha ukuthengiselana kwamakhadi, ukudluliselwa kwemali, ngisho nomsebenzi webhange le-inthanethi ukuze kutholakale ukungalingani: imvamisa yokuthengiselana engavamile, izindawo ezingavamile, noma izinguquko ezisheshayo kumaphethini okuchitha imali.
Esimweni sokuthobela imithetho, ama-bot angasiza ekuhloleni ukuthengiselana ngokumelene nohlu lwezijeziso, ukuqapha imisebenzi engaba khona yokuhlanzwa kwemali (i-AML), nokulungiselela imibiko yokulawula. Lokhu kuzenzakalelayo kuvumela amaqembu okuthobela imithetho ukuthi agxile kakhulu ophenyweni olujulile kunomsebenzi wokuphatha odla isikhathi.
Ukwenza Umkhiqizo Ube Owakho Nokwenza Izinqumo Okuthuthukisiwe
Amarobhothi kanye ne-AI nakho kuqhuba ukwenziwa ngezifiso kwezinsizakalo zasebhange. Izinhlelo zingahlaziya umlando wokuthengiselana kwekhasimende, ukuziphatha kokonga, iphrofayili yengozi, kanye nemigomo yezezimali ukuze zinikeze imikhiqizo efanele kakhulu. Isibonelo, amakhasimende anomholo ojwayelekile kanye namaphethini okusebenzisa imali azinzile anganikezwa imikhiqizo yokutshalwa kwezimali enengozi ephansi noma ukonga kwesikhathi. Okwamanje, amakhasimende ahamba njalo anganikezwa amakhadi esikweletu anezinhlelo zamamayela ezifanele.
Ekuthathweni kwezinqumo zesikweletu, i-AI ingasiza ekuhloleni ukufaneleka kwesikweletu ngokushesha, okuhlanganisa nokusebenzisa idatha ehlukile (uma nje ihambisana nemithethonqubo kanye nokuvunyelwa). Izinzuzo eziyinhloko inqubo yokugunyazwa emfushane kanye nokufakwa okukhulu kwezezimali. Kodwa-ke, amabhange kumele aqinisekise ukuthi amamodeli awo okuhlola awakhethi futhi ayachazeka ukuze kuvinjelwe ukubandlululwa futhi kugcinwe ukuthobela imithetho.
Izinselele kanye Nezingozi Zokusetshenziswa Kwerobhothi
Nakuba inikeza izinzuzo eziningi, ukusungula amarobhothi ebhange nakho kuletha izinselele. Okokuqala ukuphepha kwe-cyber. Ukuzenzakalela okwengeziwe kusho amaphuzu amaningi okuhlanganisa uhlelo okumele avikelwe. Ama-bot anokufinyelela ezinhlelweni zangaphakathi kumele alawulwe ngokulawula okuqinile, ama-audit log aqinile, kanye namalungelo okufinyelela anqunyelwe.
Okwesibili, kukhona ingozi yamaphutha ohlelweni kanye nokuthembela kwezobuchwepheshe. Uma i-bot icubungula idatha ngendlela engafanele noma imodeli ye-AI yenza isinqumo esingalungile, umthelela ungaba mkhulu kakhulu. Ngakho-ke, amabhange adinga ukuphathwa okucacile: ukuhlolwa, ukuqapha ukusebenza, izinqubo zokukhulisa, kanye nezindlela zokubuyisela emuva.
Okwesithathu, izinkinga zokuziphatha kanye nezabasebenzi. Ukuzenzakalelayo kunganciphisa isidingo semisebenzi ethile, ngakho-ke amabhange kumele athuthukise amasu okuthuthukisa amakhono abasebenzi. Izindima zabantu azinyamalali, kodwa ziyashintsha ziye emisebenzini edinga uzwela, ukucabanga okubucayi, kanye nokwenza izinqumo eziyinkimbinkimbi.
Okwesine, izinselele zomthetho. Ibhange liyimboni elawulwa kakhulu. Ukuqaliswa kwe-robotics kumele kuhambisane nemithethonqubo ehlobene nokuvikelwa kwedatha yomuntu siqu, ukuphathwa kwezingozi zobuchwepheshe, kanye nokucaca kwenqubo. Amabhange kudingeka aqinisekise ukuthi ukusungula izinto ezintsha akubeki engcupheni ukuvikelwa kwabathengi.
Ikusasa Lamarobhothi Ebhange
Kusukela manje, ukusungula amarobhothi kuzoholela "ekusebenziseni ngokweqile," ukuhlanganiswa kwe-RPA, i-AI, ukuhlaziya okuthuthukisiwe, kanye nokuhlelwa kwenqubo kusukela ekuqaleni kuze kube sekupheleni. Amabhange azokwakha imisebenzi yokusebenza ezenzakalelayo kusukela ekuqaleni kuze kube sekupheleni, isibonelo, kusukela ekufakweni kwesicelo sesikweletu kanye nokuqinisekiswa kwedokhumenti kuya ekuhlolweni kwengozi kanye nokukhishwa kwemali, ngokungenelela kwabantu kuphela ezimweni ezingavamile.
Ngaphezu kwalokho, umqondo wehhovisi legatsha lesikhathi esizayo ungashintsha. Amagatsha angaba yizikhungo eziyinhloko zezeluleko zezezimali, kuyilapho ukuthengiselana okuvamile kuphathwa ngedijithali. Amarobhothi angokoqobo nama-kiosk ahlakaniphile angenza kube lula ukuzisebenzela. Ngesikhathi esifanayo, ukubambisana ne-fintech kanye nokusetshenziswa kwama-API kuzokwenza uhlelo lwebhange luvuleke kakhudlwana kodwa luvikeleke.
Ubuchwepheshe obufana ne-AI ekhiqizayo bunamandla okuthuthukisa amarobhothi asebhange, isibonelo, ngokukhiqiza izifinyezo zemibiko, ukusiza abameleli bezinsizakalo ekulungiseleleni izimpendulo, noma ukuchaza imikhiqizo kalula. Kodwa-ke, ukusetshenziswa kwazo kumele kuhambisane nezinqubomgomo eziqinile zokugwema ingozi yokwephulwa kwedatha kanye nokwaziswa okunganembile.
Isiphetho
Ukusungula amarobhothi emkhakheni wamabhange sekuyinto ebalulekile ekushintsheni kwedijithali, ukuthuthukisa ukusebenza kahle, ukuqinisa ukuphepha, kanye nokuletha okuhlangenwe nakho kwamakhasimende okusheshayo nokwenziwe ngokwezifiso. I-RPA isiza ukwenza imisebenzi ephindaphindwayo ibe ngokuzenzakalelayo, ama-chatbot kanye namarobhothi esevisi andisa ukufinyelela kumasevisi angu-24/7, umbono wekhompyutha usheshisa ukuqinisekiswa kobunikazi, kanye ne-AI ethuthukisa ukutholwa kokukhwabanisa nokwenza izinqumo.
Kodwa-ke, amabhange kumele alinganisele ukusungula izinto ezintsha nokuphatha okuhle: ukuphepha kwe-inthanethi, ukuthobela imithetho, ukucaca, kanye nokulungela izinsizakusebenza zabantu. Ngesu elifanele, amarobhothi awalona usongo, kodwa kunalokho ithuba elibalulekile lokwakha uhlelo lwebhange olusebenza kahle, olubandakanya wonke umuntu, nolugxile kumakhasimende esikhathini sedijithali.
