Riba:
- Ability don rarrabe inda hankali na wucin gadi ke adana ainihin lokaci a cikin aikin banki (kimantawa, goyan bayan yanke shawara, aiki, bayar da rahoto) da kuma inda aka ba da izini da yanke shawara mai mahimmanci (rabin bashi, zamba / samar da yarda) ga mutane, bisa ga matakin haɗarin aiki.
- Ikon yin amfani da horo wanda ke tabbatar da kowane fitarwa na AI ta hanyar matakan haɗa shi zuwa tushen, sake ƙididdige shi da wucewa ta hanyar tacewa / dokoki.
- Bata sunan abokin ciniki da bayanan kuɗi a cikin iyakokin KVKK, sirrin abokin ciniki da ka'idojin sirrin banki da samun al'adar zabar motocin lafiya.
Ranar ma'aikacin banki tana cike da lambobi, yanke shawara da amincewa. Ana kimanta aikace-aikacen lamuni, ana bincika ma'amala don ganin ko zamba ne, wanda samfurin da aka ɗauka ya dace da abokin ciniki, ana aiwatar da rajistan yarda kuma an sanya hannu kan rahoto a ƙarshen rana. Abin da waɗannan ayyukan suka haɗa shi ne cewa dukkansu suna buƙatar aiki cikin gaggawa kuma, idan aka yi ba daidai ba, suna cutar da kuɗin mutum kai tsaye, suna ko kuma matsayin banki na doka. Wannan shine ainihin inda hankali na wucin gadi ya fada cikin wannan tashin hankali. Idan aka yi amfani da shi daidai, yana rage sa'o'in aiki zuwa mintuna; Lokacin da aka yi amfani da shi ba daidai ba, yana haɓaka kuskure, yana haifar da wariya kuma yana haifar da yanke shawara mara kyau.
A cikin wannan tsarin za mu sanya AI a matsayin mataimaki, pre-screener da daftarin janareta. Hankali na wucin gadi yana taimaka maka karanta fayil ɗin, rubuta daftarin aiki, neman rashin daidaituwa, da taƙaitawa. Amma shawarar taku ce. Ko don ba da bashi, ko yin la'akari da ma'amala mai tuhuma, abin da za a faɗa wa abokin ciniki-duk waɗannan hukunce-hukuncen ɗan adam ne. A cikin wannan rukunin, za mu kafa ainihin wannan bambance-bambance, wato, inda hankali na wucin gadi ke adana lokaci da kuma inda aka bar yanke shawara ga mutane, horo na tabbatarwa da ka'idojin sirri.
Me yasa banki ya zama yanki mai 'aminci-mahimmanci' da 'tsarace' yanki
Idan kayan aikin ƙirar pun yayi aiki ba daidai ba, babu wanda zai ji rauni. Amma tsarin da ba daidai ba a banki yana iya hana iyali samun kimar da ya kamace shi, da cin zarafin abokin ciniki ta hanyar lakafta shi a matsayin dan damfara, ko kuma ya watsar da kudaden haram kuma ya kai bankin ga hukunci mai tsanani. Don haka, ana siffanta aikin banki da fasali guda biyu:
- Amintacce mai mahimmanci: Hukunce-hukuncen sun shafi kuɗin mutane da makomarsu. Ko da kuskuren ya koma baya, lalacewar gaskiya ce.
- Kayyade: Banki; An kewaye ta da ka'idoji irin su BDDK (Hukumar Kula da Banki da Kulawa, Hukumar Kula da Jama'a da ke Kula da Bankunan), MASAK (Hukumar Binciken Laifukan Kuɗi, Cibiyar Yaki da Halaltar Kuɗi) da KVKK (Dokar Kariya ta Mutum). Ba za ku iya bayyana yanke shawara ta hanyar faɗin "AI ta faɗi haka ba"; Dole ne ku iya tabbatar da shawarar.
Waɗannan fasalulluka guda biyu sun kafa ainihin ƙa'idar amfani da AI: fitowar AI ba madadin amincewa daga ƙwararren ƙwararren ba. Hukuncin ya rage na mutum. Za mu maimaita wannan jumla sau da yawa a cikin tsarin, saboda mafi tsada kurakurai a banki faruwa a lokacin da aka manta da wannan doka.
Hankali: Faɗin "samfurin yana aiki daidai" ba yana nufin "za mu iya barin yanke shawara ga samfurin ba". Ko da samfurin da yake daidai kashi 99 yana gabatar da kuskuren kashi 1 tare da amincewa iri ɗaya. A banki, kashi 1 na rancen mutum ne ko kuma hukuncin banki.
A ina ake samun basirar wucin gadi a cikin aikin banki?
Yin la'akari da kasuwancin banki a cikin matakai uku ya bayyana a fili inda za a saka AI:
- Pre-kimantawa da shirye-shirye (ƙananan haɗari, babban riba): Karatun daftarin aiki, sarrafa takaddun da aka ɓace, taƙaitaccen fayil, bincika daidaiton bayanai. A nan, ko da basirar wucin gadi ta yi kuskure, za a iya sarrafa haɗarin saboda akwai bitar ɗan adam a bayansa; Ribar tana da yawa.
- Taimakon yanke shawara (matsakaicin haɗari): daftarin hujjar ƙididdigewa, taƙaitaccen bayanin martaba, sharhin kuɗi, daftarin ma'amala mai tuhuma. Anan, hankali na wucin gadi yana samar da shawarwari, amma yanke shawara na ɗan adam ne. Tabbatarwa yana da mahimmanci.
- Shawarar ƙarshe da hukunci (babban haɗari, ɗan adam): Rarraba ƙima, yanke hukunci na zamba, rahoton ma'amala mai tuhuma, yanke shawara da aka nuna akan abokin ciniki. Wannan shine Layer inda hankali na wucin gadi ba zai iya yanke shawara ba; yana ba da mafi yawan zayyana.
Tebur mai zuwa yana sanya ayyukan banki na yau da kullun ta matakin haɗari:
nema
Layer
AI rawar
Wanene ya yanke shawara?
Fayil ɗin kiredit ya ɓace rajistan takaddun
kimantawa na farko
Duba, taƙaitawa
Binciken masana
Dalilin ƙin yarda / amincewa
goyon bayan yanke shawara
Daftarin hujja
gwanin gwani
Faɗakarwar ciniki ta anomaly
goyon bayan yanke shawara
Sigina ta riga-kafi
manazarcin zamba
Rahoton ma'amala da ake tuhuma (STR)
hukunci na karshe
daftarin aiki
jami'in biyayya
Shawarar rabon kuɗi
hukunci na karshe
daftarin aiki / taƙaitawa
Hukuma/kwamiti
Daftarin wasiƙun abokin ciniki
kimantawa na farko
daftarin rubutu
Ma'aikaci ya yarda
Tabbatar da horo: tace matakai uku
Ɗauki fitowar AI ta waɗannan matakai uku kowane lokaci. Wannan zai zama ainihin reflex da za mu maimaita a cikin tsarin:
- Haɗa shi zuwa tushen. Wanne takarda, wace ma'amalar asusu, kuma wace ƙa'ida ce kowace lamba, da'awar, da hujja a cikin fitarwa bisa? Fitowar da ba za a iya kawo tushen sa shine "da'awa" har sai an tabbatar da shi, ba "bayanai".
- Sake ƙididdigewa / dubawa. Idan rashin daidaituwa, jimlar, an ba da taƙaitaccen maki, tabbatar da kanku. AI na iya ɓarna ko ƙila lambobi (wannan ana kiransa "hallucination": lokacin da samfurin ya samar da bayanan karya wanda ya bayyana gaskiya ne).
- Ƙaddamar da shi ta hanyar tace manufofi da dokoki. Shin fitowar ta dace da manufofin cikin gida na bankin ku da dokokin doka (haramcin nuna bambanci, sirrin abokin ciniki, KVKK)? Fitowar da bai dace ba ba za a ƙi shi ba, ko ta yaya “mai wayo” yake gani.
Tukwici: Ka tambayi kanka wannan tambayar tare da kowace fitarwa: "Zan iya kare wannan ga mai duba ba tare da cewa 'AI ne ya samar da shi ba'?" Idan amsar ita ce a'a, har yanzu fitarwar ba ta shirya don amfani ba.
Sirri: sirrin abokin ciniki da KVKK
A cikin banki, ana kiyaye bayanai sau biyu. Bayanan asusun abokin ciniki duka bayanan sirri ne (a cikin iyakar KVKK) da kuma sirrin abokin ciniki (a cikin iyakokin dokar banki; wajibcin bankin na kare bayanan da ya koya game da abokin ciniki). Saboda haka, loda bayanan abokin ciniki zuwa kowane kayan aikin AI na iya zama babban keta.
Ka'idoji na asali:
- A boye sunansa. Cire bayanan ganowa kamar suna, lambar ID TR, lissafi/lambar IBAN, waya. Misali, maimakon "Ahmet Yılmaz, TC 123..., account 456..." rubuta "45 years, X segment abokin ciniki".
- Mafi ƙarancin bayanai. Raba mafi ƙarancin adadin bayanai waɗanda ke da mahimmanci ga aikin. Ba duka juji ba, amma layukan da suka dace.
- Yi amfani da ingantaccen abin hawa. Yi amfani da kwangila da amintattun kayan aikin da bankin ku ya amince da su. Kar a shigar da bayanan abokin ciniki a cikin kayan aikin jama'a idan ba a bayyana inda bayanan ke tafiya ba.
- Bar rikodin. Dole ne ku iya nuna, lokacin da ya cancanta, menene bayanan da kuka yi amfani da su, don wane dalili, da kuma wane kayan aiki kuka yi amfani da shi (hann binciken bincike).
Samfura huɗu masu kwafi
1) Tsarin da ke ƙayyade matsayi da iyakoki:
Matsayinku: mataimakin banki. YANKE SHARI'AR; Ƙirƙirar daftarin aiki, taƙaitawa, ko ƙididdigar daidaito kawai. Kar a yi amfani da bayanan ganowa (suna, TR ID, IBAN). Yi alama a kowane batu da ba ku da tabbas a matsayin "[tabbatar da ake bukata]". Zan ɗauki mataki na ƙarshe da alhakin. Aiki: [bayanin aiki]
2) Buƙatar tabbatarwa ta mataki uku:
Bincika kai da bayar da rahoton fitowar mai zuwa daga bangarori uku: (1) Wane tushe/bayanai ne kowane da'awar ku ta dogara da shi? (2) Wadanne lambobi ne ya kamata a sake kirgawa? (3) Shin akwai wani al'amari mai haɗari dangane da manufofin ciki ko doka (wariya, sirrin abokin ciniki, KVKK)? Yi lissafin rashin tabbas a fili.
3) Ikon ɓoye sunayensu:
Kafin ba da wannan rubutu ga kayan aiki, gano duk bayanan da ke sa mutum za a iya gane shi (suna, TR ID, IBAN, waya, adireshi, haɗin da ba kasafai ba) sannan a ba da shawarar yadda za a rufe shi. Hakanan ƙayyade mafi ƙarancin bayanan da ake buƙata don aikin.Text: [data]
4) Mataimakin rarrabuwa Layer:
Ƙayyade ko wane nau'in aikin mai zuwa ya shiga: kimantawa ta farko (ƙarfafa ta dogara) / goyan bayan yanke shawara (tabbatacciyar hukunci) / hukunci na ƙarshe (dan adam). Rubuta dalilin ku kuma bayyana menene iyakar AI akan wannan aikin. Aiki: [aiki]
uku mini lokuta
Case 1 - Daidaitaccen amfani. Kwararren bashi zai bincika tarin fayiloli 40 don bacewar takaddun. Yana ba da kowane fayil ga basirar wucin gadi tare da taƙaitaccen bayanin da ba a bayyana ba; Hannun hankali na wucin gadi yana nuna "A cikin taƙaitaccen lamba 3, kwanan wata takardar shaidar samun kudin shiga ya girmi watanni 6, kuma a lamba 7, babu shafi na sa hannu." Masanin yana tabbatar da waɗannan alamun daya bayan ɗaya a cikin fayil ɗin. Ana yin sikanin da hannu, wanda ke ɗaukar awanni 2, zuwa mintuna 25 kuma kowane faɗakarwa an tabbatar da shi ta mutum.
Shari'a 2 - gazawar amintaccen amintaccen tabbaci. Wani kwararre kuma yana tura dalilin kin lamuni da hankali na wucin gadi ya haifar ga abokin ciniki ba tare da karanta shi ba. A cikin gaskatawar, basirar wucin gadi ta ɓata kudin shiga na abokin ciniki kuma ya ce "samun shiga bai isa ba"; Koyaya, takaddun daidai ne. Abokin ciniki yana abubuwa, an sake buɗe fayil ɗin, kuma bankin ya rasa lokaci da kuma suna. Darasi: duk bayanan da aka kafa hujja da su dole ne a duba su daga tushe.
Shari'a ta 3 - Cin zarafin sirri. Don saurin gudu, ma'aikaci yana liƙa cikakken sunan abokin ciniki da bayanin asusun a cikin kayan aikin da ba a yarda da shi ba, wanda ke samuwa a bainar jama'a kuma yana tambaya, "Shin wannan abokin ciniki yana cikin haɗari?" Tare da wannan aikin guda ɗaya, an keta sirrin abokin ciniki da KVKK; Ko da inda bayanan suka tafi ba a san tabbas ba. Darasi: an fara ɓoye bayanan, sannan ana sarrafa su kawai a cikin ingantaccen kayan aiki.
Rauni mai ƙarfi / Ƙarfi mai ƙarfi
Rawanin faɗakarwa:
Ana haɗe bayanan asusun Ahmet Yılmaz. Yanke shawarar ko ya kamata mu ba da daraja ga wannan abokin ciniki.
Wannan buƙatar ta ƙunshi bayanan da za a iya ganowa (keɓancewar sirri), yana tambayar AI don yanke shawara kai tsaye (ba a bar shawarar ga ɗan adam ba), kuma ba ta sanya wani tsarin tabbatarwa a wurin ba.
Ƙarfi mai ƙarfi:
Matsayin ku: mataimaki ga ƙwararren ƙwararren kuɗi yana duba fayil SHIRI da DUNIYA. Yin yanke shawara; Kawai yi alama abubuwan da suka ɓace/marasa daidaituwa kuma bayyana abin da kuka dogara akai. Kar a yi amfani da bayanan ganowa. Abokin ciniki (wanda ba a sani ba): mai shekaru 45, sashi Mark "[tabbatar da ake bukata]" duk wani maki da ya bayyana ya ɓace ko ya sabawa a cikin bayanin da aka bayar. Zan yanke shawarar kiredit.
Ƙaƙƙarfan nufin ba ya ƙunshi ainihi, yana iyakance rawar, yana barin ikon yanke shawara ga mutum, kuma yana nuna kowane da'awar a fili don tabbatarwa.
Kuskuren gama gari
- Barin yanke shawara zuwa hankali na wucin gadi. Yin samfurin ya ce tanadi kamar "ba / kar a ba da daraja", "zamba / a'a". Waɗannan hukunce-hukuncen mutane ne; samfurin yana ba da mafi yawan zane-zane.
- Amincewa ba tare da tabbatarwa ba. Kuskure ingantaccen rubutu da amintacce a matsayin "daidai". Fassara ba daidaito ba ne.
- Raba takaddun shaida. Shigar da abin hawa ba tare da ɓoye sunan ku ba, TR ID da lambar asusu.
- Ketare hanyar tantancewa. Rashin rubuta dalilin yanke shawara da bayanan da aka yi amfani da su; Rashin iya amsa tambayar "me yasa aka yanke wannan shawarar?"
- Tuki ba tare da izini ba. Shigar da bayanan abokin ciniki cikin kayan aikin jama'a inda ba a bayyana inda bayanan ke tafiya ba.
Tsanaki: A banki, farashin kuskure sau da yawa ba a gani nan da nan; Rashin amincewa, dubawa ko hukunci ya zo bayan watanni. Don haka, ba za a iya jinkirta tantancewa da yin rikodi ba saboda kawai “babu bukatar sai an samu matsala”; Ya kamata ya zama al'ada tun daga farko.
A takaice
Bankin banki yanki ne mai mahimmanci kuma kayyade; Don haka ana amfani da AI a nan azaman mataimaki, mai dubawa da daftarin janareta, ba a matsayin mai yanke shawara ba. Yi la'akari da aikin a cikin matakai uku: kimantawa na farko (ƙaratar da amincewa), goyon bayan yanke shawara (tabbatar da), da kuma hukunci na ƙarshe (mutum). Haɗa kowane fitarwa zuwa tushen, sake ƙididdigewa, tace ta hanyar manufa/doka. Saka bayanai, raba kadan, yi amfani da kayan aikin da aka yarda da su kuma bar hanyar duba. A cikin jumla ɗaya: AI yana samar da zane; Mutanen da suka ƙware suna ɗaukar shawara da alhaki.
Aikin aikace-aikace
Zaɓi ayyuka na yau da kullun guda uku daga kasuwancin ku (ko a matsayin misali): ɗaya don kimantawa na farko (misali rajistan takardu), ɗaya don tallafin yanke shawara (misali daftarin gaskatawa), ɗaya don hukunci na ƙarshe (misali yanke shawarar kuɗi). Ga kowane, (1) rubuta rawar AI a cikin jumla ɗaya, (2) nuna matakin tabbatarwa da zaku yi amfani da shi, (3) lura da waɗanne bayanai yakamata a ɓoye su. Sannan ƙirƙiri faɗakarwa don aikin “shirfin fayil” tare da samfuri mai ƙarfi mai ƙarfi a sama da tace matakan matakai uku.
jerin abubuwan dubawa
- [] Na ƙaddara matakin aikin (ƙima na farko / goyan bayan yanke shawara / hukunci na ƙarshe).
- [ ] Na ba wa ɗan adam basirar aikin daftarin aiki, ba yanke shawara ba.
- [ ] Na haɗa fitarwa zuwa tushen kuma na sake duba lambobi masu mahimmanci.
- [ ] Na tace fitarwa dangane da manufofin ciki da dokoki (wariya, sirrin abokin ciniki, KVKK).
- [ ] Na ɓoye bayanan, na raba su kaɗan kuma na yi amfani da kayan aikin da aka yarda da su.
- [ ] Na rubuta hukuncin da hujjarsa; Na ɗauki alhakin ƙarshe.