Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) \u0111\u00e3 v\u00e0 \u0111ang l\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u1ed9t ph\u00e1 v\u1edbi ti\u1ec1m n\u0103ng to l\u1edbn th\u00fac \u0111\u1ea9y ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ed5i m\u1edbi m\u00f4 h\u00ecnh kinh doanh v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/p>\n
X\u00e1c \u0111\u1ecbnh giao d\u1ecbch l\u00e0 n\u1ec1n t\u1ea3ng t\u1ea1o ra gi\u00e1 tr\u1ecb cho ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, b\u00e1o c\u00e1o \u201c\u1ee8ng d\u1ee5ng Big Data v\u00e0 AI trong ng\u00e2n h\u00e0ng s\u1ed1\u201d c\u1ee7a MBBank m\u1edbi ph\u00e1t h\u00e0nh \u0111\u00e3 ph\u00e2n t\u00edch SWOS c\u1ee7a giao d\u1ecbch trong ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n
Theo \u0111\u00f3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng thi\u1ebft l\u1eadp ra c\u00e1c c\u1ea5u tr\u00fac d\u1eef li\u1ec7u v\u00e0 th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cho vi\u1ec7c thi\u1ebft l\u1eadp c\u00e1c giao d\u1ecbch \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n, ho\u00e0n th\u00e0nh v\u00e0 hi\u1ec7u qu\u1ea3.<\/p>\n
Tuy nhi\u00ean, r\u1ee7i ro c\u0169ng ch\u00ednh l\u00e0 vi\u1ec7c thi\u1ebfu c\u00e1c d\u1eef li\u1ec7u c\u00f3 ch\u1ea5t l\u01b0\u1ee3ng, k\u1ecbp th\u1eddi theo c\u00e1c c\u1ea5u tr\u00fac d\u1eef li\u1ec7u v\u00e0 n\u0103ng l\u1ef1c ph\u00e2n t\u00edch, x\u1eed l\u00fd d\u1eef li\u1ec7u, \u0111\u1ea9y nhanh vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh; cung nh\u01b0 cung c\u1ea5p c\u00e1c d\u1eef li\u1ec7u, th\u00f4ng tin c\u1ea7n thi\u1ebft cho c\u00e1c b\u00ean li\u00ean quan \u0111\u1ec3 giao d\u1ecbch \u0111\u01b0\u1ee3c di\u1ec5n ra.<\/p>\n
Ch\u00ednh v\u00ec v\u1eady, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 AI \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn c\u00e1c giao d\u1ecbch, th\u00fac \u0111\u1ea9y s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch t\u1ed1i \u0111a v\u1edbi chi ph\u00ed c\u1eadn bi\u00ean ti\u1ec7m c\u1eadn v\u1ec1 0, \u0111\u1ed3ng th\u1eddi t\u1ea1o ra \u0111\u01b0\u1ee3c nhi\u1ec1u gi\u00e1 tr\u1ecb gia t\u0103ng cho m\u1ed7i giao d\u1ecbch.<\/p>\n
C\u00f4ng ngh\u1ec7 AI l\u00e0 gi\u1ea3i ph\u00e1p gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng ph\u00e2n t\u00edch, x\u1eed l\u00fd d\u1eef li\u1ec7u hi\u1ec7u qu\u1ea3 h\u01a1n, h\u1ed7 tr\u1ee3 vi\u1ec7c kh\u1edbp n\u1ed1i gi\u1eefa c\u00e1c b\u00ean trong giao d\u1ecbch v\u00e0 vi\u1ec7c \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cho c\u00e1c b\u00ean trong giao d\u1ecbch. T\u1eeb \u0111\u00f3, th\u00fac \u0111\u1ea9y gia t\u0103ng s\u1ed1 l\u01b0\u1ee3ng c\u00e1c giao d\u1ecbch \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng.<\/p>\n
B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f4ng ngh\u1ec7 c\u00f2n c\u00f2n t\u1ed1i \u01b0u chi ph\u00ed c\u1eadn bi\u00ean c\u1ee7a c\u00e1c giao d\u1ecbch ti\u1ec7m c\u1ea7n v\u1ec1 0 th\u00f4ng qua h\u1ed7 tr\u1ee3 t\u1ea1o ra n\u0103ng l\u1ef1c ph\u00e2n t\u00edch, x\u1eed l\u00fd d\u1eef li\u1ec7u theo c\u01a1 ch\u1ebf v\u1eadn h\u00e0nh theo n\u1ec1n t\u1ea3ng, khai th\u00e1c hi\u1ec7u qu\u1ea3 v\u1ed1n ho\u00e1 d\u1eef li\u1ec7u h\u00ecnh th\u00e0nh t\u1eeb c\u00e1c giao d\u1ecbch c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n
\u0110\u1ed3ng th\u1eddi, AI th\u00fac \u0111\u1ea9y ng\u00e2n h\u00e0ng n\u00e2ng cao kh\u1ea3 n\u0103ng h\u1ecdc h\u1ecfi \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c thu\u1eadt to\u00e1n v\u00e0 giao d\u1ecbch th\u00f4ng minh, t\u1ed1i \u01b0u quy tr\u00ecnh nh\u1edd t\u1ef1 \u0111\u1ed9ng ho\u00e1 v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c gi\u1ea3i ph\u00e1p nh\u1eb1m n\u00e2ng cao kh\u1ea3 n\u0103ng v\u1ed1n ho\u00e1 d\u1eef li\u1ec7u.<\/p>\n
K\u1ebft h\u1ee3p AI d\u1ef1a tr\u00ean tr\u00ean s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 d\u1eef li\u1ec7u l\u1edbn (Big Data) v\u00e0 Blockchain c\u00f2n t\u1ea1o ra nh\u1eefng kh\u1ea3 n\u0103ng v\u01b0\u1ee3t tr\u1ed9i trong n\u0103ng l\u1ef1c l\u01b0u tr\u1eef gi\u00e1 tr\u1ecb, d\u1ecbch chuy\u1ec3n gi\u00e1 tr\u1ecb v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro cho c\u00e1c giao d\u1ecbch, gia t\u0103ng s\u1ed1 l\u01b0\u1ee3ng v\u00e0 gi\u00e1 tr\u1ecb giao d\u1ecbch th\u00e0nh c\u00f4ng<\/p>\n
B\u00e1o c\u00e1o c\u1ee7a MBBank \u0111\u00e3 kh\u1eb3ng \u0111\u1ecbnh tr\u1ecdng t\u00e2m c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 AI trong ng\u00e2n h\u00e0ng l\u00e0 \u0111\u1ec3 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng th\u00f4ng qua t\u1ed1i \u01b0u ho\u00e1 c\u00e1c quy tr\u00ecnh v\u00e0 t\u1ef1 \u0111\u1ed9ng ho\u00e1 c\u00e1c t\u00e1c nghi\u1ec7p c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u1ed3ng th\u1eddi, c\u01a1 ch\u1ebf quan tr\u1ecdng nh\u1ea5t m\u00e0 AI t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh n\u00f3i chung v\u00e0 ng\u00e2n h\u00e0ng l\u00e0 trung t\u00e2m, \u0111\u00f3 l\u00e0 n\u00f3 s\u1ebd thay \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng, theo h\u01b0\u1edbng t\u1ea1o ra s\u1ef1 \u0111\u1ed9t ph\u00e1 v\u1ec1 n\u0103ng su\u1ea5t.<\/p>\n
\u1ee8ng d\u1ee5ng quan tr\u1ecdng c\u1ee7a AI trong ng\u00e2n h\u00e0ng<\/strong><\/p>\n Hi\u1ec7n nay, c\u00f4ng ngh\u1ec7 AI \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng kh\u00e1 ph\u1ed5 bi\u1ebfn trong ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, tuy nhi\u00ean v\u1eabn ch\u01b0a \u1edf c\u00e1c c\u1ea5p \u0111\u1ed9 v\u00e0 quy m\u00f4 kh\u00e1c nhau.<\/p>\n B\u00e1o c\u00e1o \u201c\u1ee8ng d\u1ee5ng Big Data v\u00e0 AI trong ng\u00e2n h\u00e0ng s\u1ed1\u201d c\u1ee7a MBBank \u0111i\u1ec3m l\u1ea1i n\u0103m \u1ee9ng d\u1ee5ng v\u01b0\u1ee3t tr\u1ed9i c\u1ee7a c\u00f4ng ngh\u1ec7 n\u00e0y, h\u1ed7 tr\u1ee3 hi\u1ec7u qu\u1ea3 cho c\u00e1c ng\u00e2n h\u00e0ng c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m v\u00e0 n\u00e2ng cao n\u0103ng l\u1ef1c qu\u1ea3n l\u00fd giao d\u1ecbch.<\/p>\n C\u1ee5 th\u1ec3, \u1ee9ng d\u1ee5ng \u0111\u1ea7u ti\u00ean c\u1ee7a AI \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng l\u00e0 \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng. C\u00e1c gi\u1ea3i ph\u00e1p tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111ang gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1eddi cho vay \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cho vay b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng nhi\u1ec1u y\u1ebfu t\u1ed1 gi\u00fap \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c h\u01a1n nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 truy\u1ec1n th\u1ed1ng.<\/p>\n Ng\u00e0nh t\u00e0i ch\u00ednh-ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t c\u00e1c ng\u00e2n h\u00e0ng s\u1ed1 \u0111ang ng\u00e0y c\u00e0ng chuy\u1ec3n sang s\u1eed d\u1ee5ng m\u00e1y h\u1ecdc (machine learning), m\u1ed9t t\u1eadp h\u1ee3p con c\u1ee7a tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, \u0111\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c m\u00f4 h\u00ecnh d\u1ef1 b\u00e1o ch\u00ednh x\u00e1c h\u01a1n, nhanh ch\u00f3ng h\u01a1n. Nh\u1eefng d\u1ef1 \u0111o\u00e1n n\u00e0y gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng t\u1eadn d\u1ee5ng d\u1eef li\u1ec7u hi\u1ec7n c\u00f3 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh xu h\u01b0\u1edbng, x\u00e1c \u0111\u1ecbnh r\u1ee7i ro, ti\u1ebft ki\u1ec7m nh\u00e2n l\u1ef1c v\u00e0 \u0111\u1ea3m b\u1ea3o th\u00f4ng tin t\u1ed1t h\u01a1n cho vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch trong t\u01b0\u01a1ng lai.<\/p>\n C\u00f4ng ngh\u1ec7 AI c\u00f2n h\u1ed7 tr\u1ee3 giao d\u1ecbch \u0111\u1ecbnh l\u01b0\u1ee3ng (Quantitative Trading hay c\u00f2n g\u1ecdi l\u00e0 Quant) \u2013 c\u00e1c giao d\u1ecbch th\u00f4ng qua c\u00e1c ph\u00e2n t\u00edch \u0111\u1ecbnh l\u01b0\u1ee3ng d\u01b0\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a m\u00e1y t\u00ednh v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 s\u1ed1 h\u00f3a (AI, Machine Learning, Big Data ) c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n Giao d\u1ecbch \u0111\u1ecbnh l\u01b0\u1ee3ng c\u00f3 th\u1ec3 gi\u00fap th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1edbi t\u1ed1c \u0111\u1ed9 si\u00eau nhanh, v\u00e0 \u0111\u1ed9 ch\u00ednh x\u00e1c r\u1ea5t cao; \u0111\u1eb7c bi\u1ec7t v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 AI v\u00e0 Machine Learning, giao d\u1ecbch \u0111\u1ecbnh l\u01b0\u1ee3ng c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u1ebfn m\u1ee9c \u0111\u1ed9 t\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 ho\u00e0n thi\u1ec7n k\u1ef9 n\u0103ng m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a con ng\u01b0\u1eddi.<\/p>\n T\u1ea1i th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam, nhi\u1ec1u qu\u1ef9 v\u00e0 nh\u00e0 giao d\u1ecbch s\u1eed d\u1ee5ng Quant d\u01b0\u1edbi d\u1ea1ng c\u00e1c robot \u0111\u1ec3 giao d\u1ecbch, v\u00e0 s\u1eed d\u1ee5ng r\u1ea5t nhi\u1ec1u trong c\u00e1c giao d\u1ecbch t\u1ea7n su\u1ea5t cao (high frequency trading), giao d\u1ecbch ch\u00eanh l\u1ec7ch gi\u00e1 (arbitrage trading), v\u00e0 giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng (automated trading).<\/p>\n Ngo\u00e0i ra, AI \u0111\u00f3ng vai tr\u00f2 l\u00e0 c\u00f4ng ngh\u1ec7 c\u1ed1t l\u00f5i \u0111\u1ec3 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u00e1 nh\u00e2n ho\u00e1 c\u1ee7a kh\u00e1ch h\u00e0ng. Ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c tr\u1ee3 l\u00fd AI nh\u01b0 chatbot \u0111\u1ec3 \u0111\u01b0a ra l\u1eddi khuy\u00ean t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a v\u00e0 x\u1eed l\u00fd ng\u00f4n ng\u1eef t\u1ef1 nhi\u00ean nh\u1eb1m cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ef1 ph\u1ee5c v\u1ee5 (Self-hep Service). \u0110\u1ed3ng th\u1eddi, c\u1ea3i thi\u1ec7n an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt cho c\u00e1c n\u1ec1n t\u1ea3ng tr\u1ef1c tuy\u1ebfn c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng \u1ee9ng d\u1ee5ng quan tr\u1ecdng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n T.D.V<\/p>\n (Theo Tuoitre.vn)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) \u0111\u00e3 v\u00e0 \u0111ang l\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u1ed9t ph\u00e1 v\u1edbi ti\u1ec1m n\u0103ng to l\u1edbn th\u00fac \u0111\u1ea9y ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ed5i m\u1edbi m\u00f4 h\u00ecnh kinh doanh v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng T\u00e1c \u0111\u1ed9ng c\u1ee7a c\u00f4ng ngh\u1ec7 AI \u0111\u1ecbnh h\u00ecnh ng\u00e0nh t\u00e0i ch\u00ednh X\u00e1c \u0111\u1ecbnh giao d\u1ecbch l\u00e0 n\u1ec1n t\u1ea3ng t\u1ea1o […]<\/p>\n","protected":false},"author":1,"featured_media":4951,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[104],"tags":[],"class_list":["post-1354","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-su-kien"],"featured_image_src":{"landsacpe":["https:\/\/vietcard.com.vn\/wp-content\/uploads\/2018\/02\/photo-1-16390276498771892396233.jpg",586,334,false],"list":["https:\/\/vietcard.com.vn\/wp-content\/uploads\/2018\/02\/photo-1-16390276498771892396233-463x334.jpg",463,334,true],"medium":["https:\/\/vietcard.com.vn\/wp-content\/uploads\/2018\/02\/photo-1-16390276498771892396233-300x171.jpg",300,171,true],"full":["https:\/\/vietcard.com.vn\/wp-content\/uploads\/2018\/02\/photo-1-16390276498771892396233.jpg",586,334,false]},"_links":{"self":[{"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/1354","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/comments?post=1354"}],"version-history":[{"count":1,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/1354\/revisions"}],"predecessor-version":[{"id":4953,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/posts\/1354\/revisions\/4953"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/media\/4951"}],"wp:attachment":[{"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/media?parent=1354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/categories?post=1354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vietcard.com.vn\/index.php\/wp-json\/wp\/v2\/tags?post=1354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}