دانلود کتاب هوش مصنوعی در بانکداری – کاربردهای عملی و مطالعات موردی

This book provides a comprehensive look at the practical applications of AI in banking, recording the genuine experiences of innovators and practitioners. When the author sent me the manuscript, I hesitated to accept it immediately, with a reverence for new technologies. I agreed to read it, despite not being a technical expert. The digital transformation of banks is a major contemporary challenge, tempting me to explore this book. It includes numerous specific AI technologies and concepts, along with successful applications, which captivated my curiosity like a refreshing scent. I consulted Mr. Liang Lifang, who served as the General Manager of the Software Center at the Industrial and Commercial Bank of China from 2001 to 2010, and is one of the most renowned technical experts in the industry. His support encouraged me. In the context of banking digitalization, two key questions must be understood to grasp the significance of this book. First, what is a digital bank? How do we transition to digitalization? Second, what is AI? Once we understand the meaning of a digital bank, the applications of AI become clearer. Since the turn of the twentyfirst century, with the rapid development of China’s financial industry and the rise of new information technologies, computer applications in banking have been flourishing, propelling the banking industry into the digital age and transforming traditional operations. Reflecting on the entire development process of financial technology, our understanding of banking digitalization is no longer superficial. First, what is digital banking? Throughout the emergence and development of any significant new technology, people continuously reveal, explore, and understand its crucial functions and significance from different perspectives, witnessing its vast potential. This is the charm of new technology and thinking. There are various definitions of digital banking: • Digital banking increasingly moves financial services to digital devices, providing products and services to customers without relying on time, place, tellers, customer managers, or risk control personnel. Banks can better understand customer needs, continuously optimizing business processes. enabling clients to benefit from digital services and products, and facilitating a seamless digital connection between front-end and back-end processes, leading to fully automated bank operations. It represents an upgrade of online or mobile banking. • Digital banking utilizes the latest information technologies, including mobile communication, big data, artificial intelligence, biometrics, and blockchain, to achieve automated business processes and intelligent operations, breaking the constraints of time and space to greatly improve efficiency, optimize services, and reduce costs while enhancing effectiveness.