Ƙarshe-zuwa-Ƙarshen Ƙarshen Aiki, Gudanar da Samfura da Binciken Kai

Riba:

Ikon aiwatar da aikin banki amintacce daga ƙarshe zuwa ƙarshe tare da sake zagayowar 'AI ke samarwa → ƙwararrun ƙwararru → yanke shawara masu izini'
Ƙarfin shigar da hankali na wucin gadi cikin aminci a cikin tsarin gudanar da samfur, tabbatarwa, sa ido da ci gaba da ci gaba
Ikon ɗaukar babban alhaki ta hanyar bincika fitar da kai tare da tambayoyi guda biyar (tabbaci, tushe, sirri, gaskiya, yarda)

A cikin wannan tsarin, muna sanya AI a matsayin mataimaki da janareta na zane a kowane lungu na banki - ƙididdiga, zamba, rarrabuwa, sabis na abokin ciniki, yarda, rahoto, bincike na kuɗi. A cikin wannan rukunin na ƙarshe, mun haɗa guda ɗaya: ta yaya kuke gudanar da aikin banki daga farko zuwa ƙarshe a cikin amintaccen madauki, yadda tsarin tsarin mulki ya tsara wannan madauki, kuma waɗanne tambayoyi biyar kuke tantance kanku da kowane fitarwa? Makasudin shine a karkatar da abin da kuka koya a cikin reflex guda ɗaya: AI yana samar da → ƙwararrun ƙwararru → ƙwararrun ya yanke shawara. Wannan zagayowar ita ce hanyar kiyaye gudu da tsaro a lokaci guda.

Ƙarshe-zuwa-ƙarshen madauki: zobba uku

Yi la'akari da kowane aikin banki azaman sarkar mahaɗi uku:

AI yana samar da (zoben daftarin aiki): Ba a san shi ba, tare da ƙaramin bayanai, ana ba AI daftarin aiki / duba aikin - taƙaitawa, daftarin hujja, faɗakarwa, daftarin lissafi. Babu yanke shawara a nan, kawai kayan.
Kwararre yana tabbatar da (zoben tacewa): Ana haɗa fitarwa zuwa tushen, ana sake ƙididdige lambobi, an tace su ta hanyar manufofi / doka da adalci. An kawar da ruɗi, wariya da mamaye sirri a nan.
Hukuma ta yanke shawara (zoben sa hannu): Hukuncin ƙarshe - ƙididdigewa, STR, yanke shawara na zamba, sa hannun rahoton - mutum/kwamiti mai izini ne ya yi; Ana yin rikodin hujja da hanyar duba.

nema

AI yana samarwa

Kwararre ya tabbatar

m yanke shawara

bashi

Daftarin hujja

Ratio/source/adalci

Shawarar kasafi

zamba

Gargadi mara kyau

Tabbacin yanayi/abokin ciniki

Toshe/ hukunci kyauta

AML

Tsarin / daidaitawa

Tabbatar da rashin daidaituwa

Hukuncin STR

Rahoton

Rubutun rubutu/daftarin lamba

Tabbatar da lamba

sa hannu

Bincike

Daftarin ƙima/ sharhi

Sake kirgawa / zato

Zuba jari / ra'ayin bashi

Tukwici: Mafi yawan tsallake hanyar haɗin yanar gizo a cikin madauki shine "tabbaci" na tsakiya. A karkashin matsin lamba, mutane suna tsalle daga daftarin aiki zuwa yanke shawara. Koyaya, ainihin zoben tsakiyar ne ke ƙayyade ƙimar da haɗari. Tsallake tabbatarwa yana karya zagayowar.

Tsarin mulki: tsarin da ke tsara madauki

Bayan ayyuka na mutum ɗaya, dole ne banki ya sarrafa samfuransa gaba ɗaya. Tsarin mulki ya ƙunshi abubuwa masu zuwa:

Tabbatarwa: An gwada samfurin da kansa kafin a yi amfani da shi; Ana auna daidaitonsa, adalcinsa da iyakokinsa.
Kulawa: Samfurin na iya lalacewa akan lokaci (gudanar bayanai - aikin yana raguwa lokacin da rarraba shigarwar ya canza). Ana sa ido akai-akai.
Takaddun bayanai: Abin da samfurin ke yi, menene bayanan da aka horar da shi, iyakokinsa da waɗanda ke da alhakin an rubuta su.
Matsayi da alhaki: Wane ne ya samar, wanda ya tabbatar, wanda ya yanke shawara an bayyana shi a fili.
Bita da haɓakawa: Ana yin rikodin kurakurai, ana sake kimanta ƙirar lokaci-lokaci.

Tsanaki: Tsarin da ke aiki da kyau ba zai yi aiki da kyau ba har abada. Yanayin tattalin arziki, halayen abokin ciniki, da dabarun zamba sun canza; Idan samfurin ba zai iya ci gaba da waɗannan ba, ya fara yin ɓarna cikin shiru. Ba tare da saka idanu ba, wannan lalata ba a lura da shi ba.

Tambayoyi biyar dubawa

Kafin amfani da kowane fitowar AI, tambayi kanka waɗannan tambayoyi biyar:

Tabbatarwa: Shin na haɗa wannan fitarwa zuwa tushen kuma na sake ƙididdige lambobi masu mahimmanci?
Tushen: Shin kowace da'awar ta dogara ne akan takaddun gaske / bayanai / doka, ko za a iya ƙirƙira ta?
Sirri: Ana amfani da bayanan sirri, mafi ƙarancin bayanai da kayan aikin da aka amince dasu?
Adalci: Shin abin da aka fitar ya ƙunshi wariya ta hanyar kariyar kadara ko maɓalli?
Amincewa: Shin mutumin da aka ba da izini ya yanke shawara ta ƙarshe, dalili da hanyar tantancewa?

Idan ma ɗaya daga cikin biyar ɗin ya kasance "a'a", kayan aikin ba a shirye don amfani ba.

Samfura huɗu masu kwafi

1) Tsarin manufa na ƙarshe zuwa ƙarshe:

Matsayinku: mataimaki wanda ke taimaka mani tsara aikin banki a cikin amintaccen madauki.Aiki: [aiki]. Cika mani da waɗannan zobe guda uku: (1) wane daftarin aiki AI za ta samar, (2) waɗanne matakai na tabbatarwa ƙwararren zai yi, (3) wace shawara jami'in zai yanke kuma ya yi rikodin? Ba da shawarar yanke shawara; Tsarin kwarangwal yana bayyana.

2) Aikace-aikacen sarrafa kai tare da tambayoyi biyar:

Bincika fitowar AI mai zuwa tare da tambayoyi biyar: tabbaci, tabbatarwa, keɓantawa, gaskiya, yarda. Ga kowace tambaya, kimanta "ok / rashin cika / haɗari" kuma rubuta yadda ake gyara ƙarancin. Fitowa: [rubutu]

3) Bayanan kula da bin diddigin samfur:

Matsayinku: Mataimakin mulki abin koyi. Don samfurin goyan bayan yanke shawara da muke amfani da shi, kunna alamun da ake buƙatar kulawa akai-akai (ayyukan aiki, daidaiton ƙungiyoyi, siginonin ɗigon bayanai, bayanan kuskure) cikin jerin abubuwan dubawa. Yanke shawara; Ba da shawarar tsarin sa ido.

4) Rufe shari'ar da hanyar tantancewa:

Zana bayanin rufewa don bin diddigin a ƙarshen haɗin gwiwa: menene daftarin da aka samar, waɗanne tabbaci aka yi, wace shawara aka yanke ta wanene, tare da wace hujja. Yi amfani da ingantattun bayanan da na bayar kawai.Input: [bayanai]

Rauni mai ƙarfi / Ƙarfi mai ƙarfi

Rawanin faɗakarwa:

Kuna gudanar da wannan aikin daga farko zuwa ƙarshe kuma ku ba ni sakamakon a matsayin yanke shawara, don haka ba zan damu da cikakkun bayanai ba.

Yana rage zobe uku zuwa mataki guda, yana ƙetare tabbatarwa da hukuncin ɗan adam, kuma yana ɓoye alhakin.

Ƙarfi mai ƙarfi:

Matsayinku: Mataimakin tsari, ba mai yanke shawara ba. Da farko samar da jigon aikin, sannan ka jera abubuwan da nake buƙatar tantancewa, kuma a ƙarshe ka tunatar da ni cewa yanke shawara da hanyar tantancewa nawa ne. Ƙara tambayoyin duba kai guda biyar (tabbaci, tushe, sirri, gaskiya, yarda) zuwa fitarwa.

Mai ƙarfi zai kare zoben uku, yana buƙatar tabbatarwa kuma ya bar yanke shawara ga mutum.

uku mini lokuta

Case 1 - Zagayen zagayowar yana gudana cikakke. A cikin aikace-aikacen lamuni, AI yana samar da daftarin hujja (zobe 1); ƙwararren yana sake ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdigewa, bincika hujja don yin gaskiya, yana share furci mai canzawa (zobe 2); jami'in ya yanke shawarar rarrabawa kuma ya rubuta hanyar duba (zobe 3). A cikin mintuna 20, yanke shawara mai aminci da kariya ta fito.

Hali na 2 - Kulawa yana ɗaukar lalacewa. Yayin da tsarin zamba yana aiki da kyau na tsawon watanni, adadin kamawa yana raguwa a hankali saboda sabuwar dabarar zamba. Sa ido a karkashin tsarin mulki yana lura da wannan raguwa; An sabunta samfurin. Idan ba tare da sa ido ba, asarar za ta ci gaba da girma.

Hali na 3 - Kamun kai yana hana cin zarafi. Wani manazarci yana gab da aika fitowar AI kai tsaye don rahoto mai sauri. Ya yi amfani da tambayoyi biyar: ya lura cewa ba a tabbatar da adadin riba ba a cikin tambayar "source". Sarrafa daga tushe; lambar ba daidai ba ne. Daƙiƙa 30 na duba kai yana hana a aika hoton karya zuwa ga gudanarwa.

Bayyanar ayyuka: wanda ke samarwa, wanda ya tabbatar, wanda ya yanke shawara

Zagayen zobe uku yana da aminci kawai lokacin da ayyukan sun bayyana. Kuskuren da aka fi sani da shi shine wurin da ba a san shi ba inda "kowa ke da alhakin amma babu wanda ke da alhakin": AI ne ya samar da daftarin, babu wanda ya tabbatar da shi sosai, kuma shawarar ta kasance ba tare da kulawa ba saboda "ya bar tsarin". Wannan gibin shine inda kurakurai suka fi shiga cikin sauƙi.

A cikin ingantaccen almara, kowane zobe yana da mai shi:

Generator (mataimaki + mai amfani): Ba a san shi ba, mutumin da ya nemi daftarin kuma ya shirya shigarwa tare da ƙaramin bayanai.
Verifier (gwani): Wani wanda ya haɗa abin fitarwa zuwa tushen, ya sake ƙididdige lambobi, kuma ya tace su don gaskiya da sirri. Ba a taɓa tsallake wannan rawar ba.
Mai yanke hukunci (hukuma/kwamiti): Hukumar da ke yanke shawara ta ƙarshe kuma ta sanya hannu kan hujja da hanyar tantancewa.

Wani lokaci mutum ɗaya yana ɗaukar ayyuka da yawa; Wannan ba matsala ba ne, idan dai kun tabbatar da cewa an yi kowace hanyar haɗin gwiwa da sane kuma an rubuta ta. Matsalar ita ce an bar zobe babu kowa tare da tunanin cewa "dole ne wani ya yi shi".

Tukwici: Bayan yanke shawara, tambayi kanka "Wane ne kawai mai wannan shawarar?" tambaya. Idan amsar ba sunan suna ba ne, yana nufin an karya sarkar alhakin; Sake kunna madauki.

Kuskuren gama gari

Tsalle zoben tsakiya. Tafiya kai tsaye daga daftarin aiki zuwa yanke shawara da tsallake tabbaci.
Sanya alhakin akan samfurin. Cewa "AI za ta kula da shi" kuma ba mallakar yanke shawara da sa hannu na ƙarshe ba.
Tunanin saita samfurin kuma manta shi. Barin samfurin da ya yi aiki da kyau sau ɗaya ba a bi ba; bai ga data drift ba.
Ba barin hanyar dubawa. Ba yin rikodin wanda ya yanke shawara kuma me yasa.
Ketare kamun kai. Amfani da fitarwa ba tare da yin tambayoyi biyar ba.

Tukwici: Mai da tambayoyin biyar ɗin ya zama al'ada; Yana zama atomatik akan lokaci kuma yana ɗaukar daƙiƙa. Yawancin manyan kurakurai suna faruwa lokacin da aka rasa waɗannan ƴan daƙiƙa na sarrafawa.

A takaice

Amfani da amintaccen hankali na wucin gadi a cikin banki tsari ne na zobe uku: AI yana samarwa, ƙwararrun ƙwararru ya tabbatar, hukuma ta yanke shawara. Gudanar da samfuri (tabbatarwa, sa ido, takaddun shaida, lissafin kuɗi, haɓakawa) ya tsara wannan zagayowar. Bincika kanka kowane fitarwa tare da tambayoyi biyar - tabbaci, tushe, sirri, gaskiya, yarda; Idan ko daya ya ɓace, fitarwar ba ta shirya ba. Samfurin na iya rushewa; saka idanu yana da mahimmanci. Alhaki koyaushe yana kan mutum. A cikin jumla ɗaya: Hankali na wucin gadi shine mahaɗin farko a cikin zagayowar; tabbatarwa da yanke shawara na ƙarshe sune zoben mutumin da ya cancanta wanda zai iya ba da lissafi.

Aikin aikace-aikace

Zaɓi ɗawainiya daga kasuwancin ku kuma ƙirƙirar tsari na ƙarshen zobe uku tare da samfuri 1: menene AI zai samar, menene ƙwararren zai tabbatar, menene ikon rikodin kuma yanke shawara. Sa'an nan kuma rubuta samfurin AI don wannan aikin, yi amfani da tambayar kai-biyar tare da samfuri na 2 kuma gyara ƙarancin. A ƙarshe, ƙirƙiri jerin abubuwan dubawa tare da samfuri 3 don kayan aikin goyan bayan yanke shawara da kuke amfani da su.

jerin abubuwan dubawa

[ ] Na tsara aikin zuwa madauki na zobe uku (ƙirƙira / tabbatarwa / yanke shawara).
[ ] Ban tsallake hanyar haɗin gwiwa (tabbaci ba); Na duba tushe da lambobi.
[ ] Na yi tambayoyi biyar kamun kai; Idan akwai wani abu da ya ɓace, zan tafi.
[ ] Na wuce bayanin sirri da tacewa.
[ ] Na yi la'akari da hadarin sa ido na samfurin da kuma cin hanci da rashawa.
[ ] Na ɗauki alhaki ta hanyar yin rikodin yanke shawara ta ƙarshe, da hujjarsa, da kuma hanyar tantancewa.

Gwajin Module

1. Masanin bashi yana watsa dalilin kin amincewa da lamuni da basirar wucin gadi ga abokin ciniki ba tare da duba shi ba. Menene babban kuskure a cikin wannan hanya?

A) Ba za a iya amfani da fitowar bayanan sirri na wucin gadi ba tare da tabbatarwa ba; Dole ne a sake duba daftarin hujjar yanke shawara kuma ƙwararren mai izini ✔
B) Hankali na wucin gadi koyaushe yana ba da hujjar lamuni a matsayin mara kyau
C) Makin kawai ya kamata a gaya wa abokin ciniki maimakon dalili
D) yakamata a isar da hujjar ga abokin ciniki ta waya maimakon imel.

Bayani: Yayin da hankali na wucin gadi zai iya samar da tabbataccen hujja, kuma yana iya haifar da kuskure har ma da hujjar wariya tare da amincewa iri ɗaya bisa bayanan da ba daidai ba ko zato mara kyau. Banki yanki ne da aka kayyade, amintaccen yanki; Dole ne kwararre ya tabbatar da kowace fitarwa, kuma shawarar rabon bashi da hujja ta ƙarshe dole ne su kasance na mutum mai izini.

2. Menene mafi kyawun hali dangane da sirri (KVKK da sirrin abokin ciniki) lokacin canja wurin ma'amalar asusun banki na abokin ciniki zuwa kayan aikin sirri na wucin gadi?

A) Ya kamata a loda cikakken suna na abokin ciniki da bayanin asusun kamar yadda yake don gudun.
B) Ta hanyar cire bayanan da za a iya ganowa da ɓoye bayanan, kawai mafi ƙarancin bayanan da ake buƙata ya kamata a raba su cikin ingantaccen kayan aiki mai aminci ✔
C) Idan an rufaffen bayanan, ana iya aika suna da lambar asusu zuwa kowace abin hawa
D) Saboda manufar yana da kyau, ana iya raba dukkan rubutun ba tare da tambayar abokin ciniki ba

Bayani: Bayanan kudi na abokin ciniki duka bayanan sirri ne da sirrin abokin ciniki a cikin iyakokin dokar banki. Gano bayanai kamar suna, TR ID, lambar asusun ya kamata a cire kuma bayanan ba a san su ba; Ya kamata a raba mafi ƙarancin bayanan da ake buƙata don aikin kuma kawai amintattun kayan aikin da cibiyar ta amince da su ya kamata a yi amfani da su.

3. Hankali na wucin gadi yana samar da hujja don yanke shawarar ƙirar ƙira, kamar 'ƙin yarda saboda unguwar da mai nema ke zaune yana da haɗari'. Me ya kamata gwani yayi?

A) Ana amfani da ma'anar kamar yadda yake saboda samfurin yana dogara ne akan ƙididdiga
B) Bayanin gunduma yana ƙara nauyi kuma an ƙarfafa yanke shawara.
C) Wannan na iya zama wariya a kaikaice ta hanyar wakili mai canzawa; Dole ne a ƙi yarda da hujja kuma dole ne a yanke shawarar a kan halaltacciya kuma za a iya bayyana ma'auni ✔
D) Ba a gaya wa abokin ciniki dalilin ba, an ajiye shi a cikin fayil ɗin kawai, ba za a sami matsala ba.

Bayani: Gundumar zama na iya zama madaidaicin wakili mai ƙarfi da ke da alaƙa da ƙabilanci ko halaye masu kama da juna, haifar da wariya kai tsaye. Wannan nau'i na hujja ba shi da karbuwa a shari'a da ɗabi'a; Dole ne yanke shawara ya dogara ne akan halal, bayani kuma ba tare da nuna bambanci ba, kuma dole ne a ƙi wannan hujja.

4. A cikin tsarin gano zamba, bayanan sirri na wucin gadi yana nuna ma'amala a matsayin 'babban haɗari'. Menene hanya mafi kyau?

A) Gargadin siginar riga-kafi ne; Yakamata a bambanta ha'inci na gaskiya da ƙararrawar ƙarya ta hanyar jarrabawar ƙwararru kuma a yanke hukunci na ƙarshe cikin mutuntaka ✔
B) Ana yin ciniki ta atomatik kuma an toshe shi na dindindin, bita ba lallai ba ne
C) An yi watsi da gargaɗin saboda yawancin gargaɗin ƙarya ne
D) Ana kiran abokin ciniki kuma ana zargi kai tsaye

Bayani: Gargadin AI shine gwajin farko da siginar yuwuwar, ba tabbataccen hukunci ba. It is up to the expert to distinguish between real fraud and false positives, to investigate without victimizing the customer, and to make the final decision; Gargadin bai kamata ya toshe asusun ta atomatik ba.

5. Menene farashin babban adadin faɗakarwa mai inganci na ƙarya a gano zamba?

A) Ƙarya mai kyau ba ta biya komai ba, ƙarin gargaɗin ya fi kyau
B) Ƙirƙirar damuwa na abokin ciniki da gajiyawar ƙararrawa; Yana ƙara haɗarin ha'inci na gaske ba tare da lura ba ✔
C) Yana ƙara yawan wutar lantarki na tsarin
D) Ƙarya mai kyau tana faruwa ne kawai a cikin kasuwancin dare

Bayani: Abubuwan da ba a sani ba suna haifar da rashin jin daɗi da rashin gamsuwa ta hanyar hana ma'amalar abokan ciniki ba dole ba; Hakanan yana haifar da gajiyawar faɗakarwa a cikin manazarta, yana ƙara haɗarin cewa za'a manta da zamba na gaske. Don haka, ya kamata a daidaita ƙofa da ƙa'idodi kuma a ba da fifikon gargaɗi.

6. Menene iyakar da'a mafi mahimmanci lokacin zayyana rarrabuwar abokin ciniki da keɓaɓɓen kamfen?

A) Mafi kunkuntar sassan mafi kyau, babu wasu iyakoki
B) Keɓantawa batun fasaha ne kawai, baya buƙatar iyakokin ɗa'a
C) Dole ne a kiyaye cancanta, yarda da rashin nuna bambanci; Dole ne a hana cin zarafi da magudin abokin ciniki mai rauni ✔
D) Idan aka aika wa kowa kamfen ɗin haka, ba za a sami matsalar ɗabi'a ba.

Bayani: Yayin da za a iya amfani da kashi don amfanin abokin ciniki (shawarar samfurin da ta dace), kuma ana iya amfani da ita don amfani da rauni (kamar tallan ƙarin bashi ga abokin ciniki mai cin bashi). Dole ne a kiyaye ka'idodin dacewa, yarda da rashin nuna bambanci; Keɓancewa bai kamata ya zama magudi ba.

7. Menene mafi kyawun manufofin tsaro don sabis na abokin ciniki chatbot?

A) Chatbot ya kamata ya iya kammala kowane nau'in ma'amaloli da shawarwarin kudi da kansa
B) Yana haɓaka bayanan yau da kullun; Ya kamata a ba da gunaguni, shawarwari masu mahimmanci da ma'amaloli masu izini ga mutane, bai kamata a ba da bayanan da ba a tantance ba ✔
C) Chatbot na iya raba duk bayanan asusun ba tare da tabbatar da ainihin abokin ciniki ba
D) Yakamata a cire zabin mika mulki saboda yana rage saurin chatbot.

Bayani: A chatbot cikin aminci yana haɓaka bayanan da ake tambaya akai-akai da ma'amaloli na yau da kullun, amma korafe-korafe, shawarwarin kuɗi masu mahimmanci, ma'amaloli masu izini akan asusu da kuma wasu yanayi marasa ma'ana yakamata a ba da su ga ma'aikaci mai izini. Bugu da ƙari, bot ɗin chatbot bai kamata ya bayyana sirrin abokin ciniki ba ko bayar da bayanan da ba a tantance ba.

8. A cikin tsarin AML/KYC, bayanan sirri na wucin gadi yana nuna ma'amala azaman abin tuhuma. Menene madaidaicin hanya dangane da rahoton ma'amala mai tuhuma (STR)?

A) Idan samfurin ya yi alama, ya kamata a yi sanarwar ta atomatik, jami'in bin doka ba dole ba ne
B) An yi watsi da gargaɗin saboda yawancin ma'amaloli na halal ne
C) Nan da nan ana ba da rahoton ciniki ga abokin ciniki saboda 'akwai tuhuma na wanki'
D) Fitowar samfurin shine gwajin farko da daftarin aiki; Ma'aikacin yarda da izini ne ya yanke shawarar STR, yana kiyaye hujja da hanyar duba ✔

Bayani: Sa ido kan ma'amalar bayanan sirri na wucin gadi da dubawa cikin sauri yana nuna alamun alamu masu yiwuwa, amma rahoton ma'amala mai tuhuma (STR/SAR) yanke shawara ne tare da sakamakon shari'a kuma an yanke shi tare da hukuncin jami'in bin doka da oda. Fitowar samfurin shine na farko kuma daftarin aiki; Dole ne a kiyaye hanyar tantancewa da hujja.

9. A cikin jerin takunkumi / PEP (wanda aka fallasa a siyasance) nunawa, bayanan wucin gadi ya dace da suna, amma wannan na iya zama wasan ƙarya. Menene hanya madaidaiciya?

A) Dole ne a tabbatar da wasa tare da ƙarin abubuwan ganowa (ranar haihuwa, ɗan ƙasa); Dole ne jami'in bin doka ya yanke shawarar ✔
B) Suna kama da ya isa, abokin ciniki nan da nan an ayyana takunkumi
C) Ana ɗaukar duk matches ƙarya kuma an yi watsi da su
D) An bar yanke shawara ga chatbot

Bayani: Binciken suna na iya haifar da tabbataccen ƙarya saboda sunaye iri ɗaya. Dole ne jami'in bin doka ya tabbatar da wasan tare da ranar haihuwa, ɗan ƙasa, da sauran masu ganowa; Kuskure ayyana wa abokin ciniki takunkumi ko rasa wasa na gaske duka biyun suna da mummunan sakamako. Hukuncin na mutum ne.

10. Kun samar da daftarin rahoton gudanarwa tare da basirar wucin gadi; Rahoton ya hada da alkaluman ribar kwata. Menene mataki mafi mahimmanci kafin sanya hannu?

A) Duk mahimman lambobi a cikin rahoton yakamata a sake tabbatar dasu akan bayanan tushe; Alhakin sa hannu na ƙarshe yana kan ɗan adam ✔
B) Ilimin wucin gadi yana ba da lambobi ba tare da kurakurai ba, tabbatarwa bata lokaci ne
C) Tsarin tsari ne kawai ake bincika don sa rahoton ya yi kyau.
D) Ana aika rahoton kai tsaye zuwa babban jami'in gudanarwa, ana sarrafa sarrafawa daga baya

Bayani: Hankali na wucin gadi na iya ɓata ƙimar lambobi, ƙirƙira su, ko taƙaita su ba daidai ba tare da bayanan tushen. Duk mahimman lambobi yakamata a sake tabbatar dasu akan bayanan tushen kafin a sanya hannu kan rahoton; Kodayake sarrafa kansa yana ba da sauri, alhakin sa hannu na ƙarshe yana kan ɗan adam.

11. Leken asiri na wucin gadi yana nazarin bayanan kudi na kamfani kuma ya ce 'kamfanin yana da ƙarfi sosai, lallai ya kamata a ba da lamuni'. Menene alhakin manazarcin kuɗi?

A) Karɓar rubutu kamar yadda yake, saboda basirar wucin gadi ya san kuɗi ba tare da kurakurai ba
B) Sake ƙididdige ƙididdiga daga tebur na tushe da zato na tambaya; Yin hukunci na ƙarshe a matsayin ɗan adam, yana faɗin rashin tabbas ✔
C) Gabatar da shawarar kai tsaye ga kwamitin kamar yadda 'AI ta amince'
D) Kin amincewa da lamuni ba tare da karanta binciken kwata-kwata ba

Bayani: Binciken kudi ya dogara da zato da daidaito na shigarwa; AI na iya yin kuskuren ƙididdige ƙididdiga, yin watsi da bayanan da suka ɓace, ko amfani da madaidaicin harshe. Dole ne mai nazarin ya sake ƙididdige ƙididdige ƙididdige ƙididdiga daga tebur na tushe, zato na tambaya, kuma ya yanke shawarar ƙima ta ƙarshe ta mutum, yana mai nuni da rashin tabbas.

12. Yayin da samfurin kiredit bazai yi amfani da sifa mai kariya kai tsaye kamar jinsi ko ƙabila ba, yana iya nuna su a kaikaice ta hanyar lambar waya da bayanan sayayya. Menene ake kira wannan yanayin kuma me yasa yake da haɗari?

A) Wannan ana kiransa overlearning kuma zai rage daidaito kawai
B) Wannan ana kiranta leak ɗin bayanai kuma batu ne kawai na saurin gudu
C) Ana kiran wannan wariya ta kai tsaye ta hanyar ma'auni na wakili; haramun ne kuma dole ne a duba shi ta hanyar gwaji na gaskiya ✔
D) Ana kiran wannan al'ada kuma ba shi da lahani

Bayani: Mabambantan da ke da alaƙa mai ƙarfi tare da kariyar kadara ana kiran su masu canji na wakili. Ko da samfurin bai yi amfani da fasalin da aka karewa kai tsaye ba, zai iya nuna bambanci a kaikaice ta hanyar wakilai. Wannan duka haramun ne kuma bai dace ba; Ya kamata a gwada samfura tare da ma'aunin gaskiya kuma yakamata a sarrafa haɗarin wakili.

13. Banki yana amfani da samfurin basirar ɗan adam a cikin yanke shawara na bashi. Menene ɗayan mafi mahimman buƙatun dangane da doka da tantancewa?

A) Mafi rikitarwa da rashin fahimta samfurin, mafi aminci shine
B) Ajiye bayanan ba lallai ba ne, ana iya bayyana yanke shawara da baki
C) Haƙƙin abokin ciniki ya kamata a cire shi saboda yana rage gudu
D) Samfurin ya kamata ya zama mai bayyanawa, tabbatar da yanke shawara da bin diddigin ya kamata a kiyaye, abokin ciniki ya kamata a ba shi haƙƙin ƙi / bitar ɗan adam ✔

Bayani: A cikin tsarin yanke shawara da aka tsara, samfurin dole ne ya zama bayanin, dalilin yanke shawara dole ne a rubuta shi, dole ne a adana rikodin (hanyar bincike), kuma dole ne a bai wa abokin ciniki haƙƙin ƙi / neman bitar ɗan adam. Ba za a iya tantance shawarar da ba ta dace ba ta samfurin 'black box' kuma baya bin doka.

14. Ta yaya mahimmin ƙa'idar da aka jaddada a ko'ina cikin tsarin ta bayyana rawar da basirar ɗan adam ke takawa a banki?

A) Hankali na wucin gadi na iya maye gurbin gogaggun ma'aikatan banki da kuma kammala lamuni da sanarwa da kansa
B) Ana amfani da hankali na wucin gadi ne kawai don tallace-tallace, ba don yanke shawara ba
C) Fitowar bayanan sirri na wucin gadi yana da aminci ko da ba tare da tabbatarwa ba saboda yana dogara ne akan ƙididdiga
D) Hankali na wucin gadi mataimaki ne kuma daftarin janareta; Rarraba kiredit, zamba/hukunce-hukuncen bin doka da yanke hukunci na ƙarshe ya rage ga mai izini ✔

Bayani: AI yana hanzarta ayyukan maimaitawa a matsayin mataimaki, mai dubawa da daftarin janareta; Amma tunda muna aiki a cikin ƙayyadaddun ƙayyadaddun, amintaccen yanki, yanke shawara na ƙarshe game da rabon kuɗi, samar da zamba / yarda da abokin ciniki shine alhakin mutumin da aka ba da izini (mai ba da izini na banki da kwamitin yanke shawara). Fitowar da ba a tantance ba wani daftarin yanke shawara ne mara sa hannu.