https://www.forbes.com/sites/davidteich/2020/09/11/convergence-of-financial-institutions-risk-management-aided-by-artificial-intelligence/?ss=ai#6bf41e42fcef
Sep 11, 2020, David A. Teich
Jinny 요약
The attention on technology and risk in financial institutions has often been focused on transactions because of the large volume of trades and other transactions that are at risk from fraud, hacking and other issues.
What has been happening in the last year or two is that risk managers at financial organizations are looking at multiple aspects of both risk and AI in order to understand how to create a better, more holistic, view of risk.
At the automated level, linking what’s been learned about fraud through analysis of major trading systems can be pushed closer to the customer, with in-person banking, ATMs, and mobile devices.
Julie 요약
Financial institutions have been mainly focused on transaction risk management with technology. However, with the help of Artificial Intelligence(AI), financial institutions could converge more areas in risk management.
Even though mobile devices have massively changed how customers interact with financial organizations, the physical infrastructure of Financial institutions and customer behaviors are changing relatively slowly. AI could enhance security and lower the potential risks.
At the automated level, linking what’s been learned about fraud through analysis of major trading systems can be pushed closer to the customer, with in-person banking, ATMs, and mobile devices.
The convergence of physical security and other risk management tools and processes is important matter.
Julie 요약 번역
금융회사들은 그동안 기술력으로 거래 리스크 관리에 주력해 왔다. 하지만 인공지능(AI)의 도움으로 금융기관은 리스크 관리 분야에서 더 많은 영역을 융합할 수 있게 됐다.
모바일 기기는 고객이 금융 조직과 상호작용하는 방식을 대대적으로 변화시켰음에도 금융기관의 물리적 인프라와 고객 행태는 상대적으로 느리게 변화하고 있다. AI는 보안을 강화하고 잠재적 위험을 낮출 수 있다.
자동화 수준에서 주요 거래 시스템 분석을 통해 사기 행각에 대해 알게 된 것을 통해, 은행 직접 거래, ATM, 모바일 기기를 사용하는 고객에게 더 가까이 연계하여 적용할 수 있다.
물리적 보안과 다른 위험 관리 도구 및 프로세스의 통합이 중요하다.
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