What positions in banking and finance will not be eliminated by artificial intelligence? Detailed.

In the banking and financial industries, the positions that will not be eliminated by artificial intelligence are internal clerks and lobby managers. On the negative side, according to the current development direction, it may be difficult for bank employees to survive in the future. In the end, only a few tellers may be needed to deal with emergencies, and it is difficult for other tellers to have employment space.

The original intention of artificial intelligence is to better serve mankind. A bank teller's work can be replaced by artificial intelligence, so his own work may be more transformed into service personnel (reception, welcoming guests), and he will face greater risk of elimination. In the future, artificial intelligence will replace bankers in four aspects:

First, the front desk business

Including intelligent customer service, intelligent calling, self-service channels and intelligent identification.

Secondly, it is background analysis support.

Including big data-driven marketing model, data mining and intelligent risk control.

Third, it is auxiliary decision support.

Including product decision, cost decision, enterprise strategy and process decision, investment decision.

Fourth, enterprise operation.

Including security system and IT system.

A major role of AI is to better understand customers at low cost, such as understanding customers' past transaction records, credit status, and financial activities in which areas (for example, analyzing all your daily behaviors through big data, such as whether there is a credit card default, whether you often take taxis through software, and whether you often go to star-rated hotels for consumption, etc. ), users' personal habits and preferences and other things that existing bank employees or systems can't do at all.

Through the understanding of customers, the future banking system can provide tailor-made services for each customer, such as investment and financial advice, consumption advice, tax advice and other very personalized services designed for you. China Merchants Bank's current Capricorn smart investment is a bit like this trend.

Now the amount of data is getting bigger and bigger, which has exceeded the processing capacity of many banks' existing systems (not to mention human beings, who have long been unable to process so much data). In the background of the bank, AI can easily handle all kinds of messy data sources through big data and machine learning, and can find data rules from them. These regular data provide valuable resources for banks to study customers and markets in the future.

Another big ability of AI is to detect fraud, such as judging credit card fraud by analyzing the current location of customers and the place where they swipe their cards. In stock trading, AI can also help analyze which accounts are suspicious related accounts, and there are cases of self-buying and self-selling. These suspicious data can be reported to the management agency on the same day.

In short, artificial intelligence is affecting tangible counters and intangible background services. In visible places, more and more bank counter employees are being replaced by machines. In the background, more and more systems become intelligent and digital.

To be sure, more and more banking business will be replaced by machines in the future.