{"id":1363,"date":"2023-04-27T07:43:54","date_gmt":"2023-04-27T07:43:54","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1363"},"modified":"2023-04-27T07:43:54","modified_gmt":"2023-04-27T07:43:54","slug":"bankovnictvi-je-v-prvni-linii-ve-vyuzivani-ai","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1363","title":{"rendered":"Bankovnictv\u00ed je v prvn\u00ed linii ve vyu\u017e\u00edv\u00e1n\u00ed AI"},"content":{"rendered":"<p><strong>Platformy um\u011bl\u00e9 inteligence (AI) se v\u00a0bankovn\u00edm sektoru masivn\u011bji vyu\u017e\u00edvaj\u00ed v\u00edce ne\u017e deset let. \u010cesk\u00e9 banky nejsou v\u00fdjimkou, jak zazn\u011blo na pracovn\u00ed sn\u00eddani spole\u010dnosti SAS Institute, sv\u011btov\u00e9ho l\u00eddra v\u00a0oblasti um\u011bl\u00e9 inteligence, strojov\u00e9ho u\u010den\u00ed a anal\u00fdzy dat, a sdru\u017een\u00ed Czech Institute of Directors. Ve v\u011bt\u0161\u00edch bank\u00e1ch funguje a\u017e 40 r\u016fzn\u00fdch n\u00e1stroj\u016f, kter\u00e9 vyu\u017e\u00edvaj\u00ed principy um\u011bl\u00e9 inteligence a strojov\u00e9ho u\u010den\u00ed. Omezuj\u00edc\u00edm faktorem je\u0161t\u011b dynami\u010dt\u011bj\u0161\u00edho r\u016fstu AI v\u00a0tomto sektoru jsou regulace.<\/strong><\/p>\n<p><!--more--><\/p>\n<p><em>\u201eJednou ze st\u011b\u017eejn\u00edch ot\u00e1zek sou\u010dasn\u00e9ho prudk\u00e9ho rozvoje um\u011bl\u00e9 inteligence je vysv\u011btlitelnost. U n\u011bkter\u00fdch typ\u016f AI nedok\u00e1\u017eeme p\u0159esn\u011b vysv\u011btlit, jak ke sv\u00fdm z\u00e1v\u011br\u016fm dosp\u011bla. Do\u0161li jsme tak do stavu, kdy se u\u017eivatel\u00e9 um\u011bl\u00e9 inteligence mus\u00ed rozhodnout mezi potenci\u00e1ln\u011b v\u00fdkonn\u011bj\u0161\u00ed formou AI a \u010d\u00e1ste\u010dnou ztr\u00e1tou kontroly nad v\u00fdstupy, nebo standardn\u00edmi modely um\u011bl\u00e9 inteligence, u kter\u00e9 v\u00fdstupy dok\u00e1\u017eeme p\u0159esn\u011b vysv\u011btlit. St\u00e1le nal\u00e9hav\u011bj\u0161\u00ed ot\u00e1zkou tedy v\u00a0oblasti AI je pou\u017eit\u00ed r\u016fzn\u00fdch typ\u016f model\u016f v\u00a0r\u016fzn\u00fdch situac\u00edch a to, kdo m\u00e1 zodpov\u011bdnost za rozhodov\u00e1n\u00ed AI,\u201c<\/em>\u00a0uvedl Lud\u011bk \u0160af\u00e1\u0159, CE Presales Director, SAS Institute \u010cR.<\/p>\n<p>Pro banky je vysv\u011btlitelnost v\u00a0rozhodov\u00e1n\u00ed um\u011bl\u00e9 inteligence zcela kl\u00ed\u010dov\u00e1. Mus\u00ed b\u00fdt regul\u00e1torovi schopny v\u00a0ka\u017ed\u00e9m okam\u017eiku vysv\u011btlit, pro\u010d a jak se rozhoduj\u00ed. Regul\u00e1tor chce konsistenci v\u00a0rozhodov\u00e1n\u00ed. Ur\u010dit\u00fdm varov\u00e1n\u00edm m\u016f\u017ee b\u00fdt negativn\u00ed zku\u0161enost z\u00a0USA, kde nespr\u00e1vn\u00e9 nasazen\u00ed AI vedlo v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech k\u00a0diskriminaci p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br.<\/p>\n<p>Nicm\u00e9n\u011b v\u00fdvoj v\u00a0oblasti um\u011bl\u00e9 inteligence je tak rychl\u00fd a dop\u011bl ji\u017e do st\u00e1dia, kdy se p\u0159edpokl\u00e1d\u00e1, \u017ee na ni budeme delegovat rozhodnut\u00ed. Regulace, vysv\u011btlitelnost a etick\u00e1 str\u00e1nka v\u00a0p\u0159\u00edstupu k\u00a0AI budou d\u016fle\u017eit\u00e9 pro bankovnictv\u00ed, zdravotnictv\u00ed, ve\u0159ejn\u00fd sektor a dal\u0161\u00ed oblasti. Nulov\u00fd v\u00fdznam bude m\u00edt ale pro podvodn\u00edky, kte\u0159\u00ed se budou sna\u017eit st\u00e1le sofistikovan\u011bj\u0161\u00edmi zp\u016fsoby za vyu\u017eit\u00ed v\u00fdkonn\u00e9 AI nez\u00e1konn\u011b obohatit.<\/p>\n<p>Pokud budou lid\u00e9 vystaveni c\u00edlen\u00e9mu podvodu s\u00a0vyu\u017eit\u00edm AI, bude pro n\u011b st\u00e1le t\u011b\u017e\u0161\u00ed poznat, s\u00a0k\u00fdm vlastn\u011b mluv\u00ed, zda je to rodinn\u00fd p\u0159\u00edslu\u0161n\u00edk, kamar\u00e1d nebo zn\u00e1m\u00fd. Na konferenci proto mimo jin\u00e9 zazn\u011blo i varov\u00e1n\u00ed, \u017ee pro pr\u016fm\u011brn\u00e9ho ob\u010dana bude toto riziko do budoucna r\u016fst. Proto nejenom banky v\u0161em doporu\u010duj\u00ed maxim\u00e1ln\u00ed obez\u0159etnost p\u0159i nakl\u00e1d\u00e1n\u00ed s\u00a0finan\u010dn\u00edmi prost\u0159edky, dodr\u017eovat bezpe\u010dnostn\u00ed z\u00e1sady a p\u0159i jak\u00fdchkoli pochybnostech rad\u011bji kontaktovat banku.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Platformy um\u011bl\u00e9 inteligence (AI) se v\u00a0bankovn\u00edm sektoru masivn\u011bji vyu\u017e\u00edvaj\u00ed v\u00edce ne\u017e deset let. \u010cesk\u00e9 banky nejsou v\u00fdjimkou, jak zazn\u011blo na pracovn\u00ed sn\u00eddani spole\u010dnosti SAS Institute, <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=1363\" title=\"Bankovnictv\u00ed je v prvn\u00ed linii ve vyu\u017e\u00edv\u00e1n\u00ed AI\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":1364,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1363"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1363\/revisions"}],"predecessor-version":[{"id":1365,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1363\/revisions\/1365"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1364"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1363"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1363"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}