Intsinzi ya fintechs muri Amerika y'Epfo yinjiye mu cyiciro gishya. Nyuma y’imyaka itanu y’iterambere riturika, urusobe rw’ibinyabuzima rwagutse ku buryo burenga 340% mu myaka itandatu ishize, nk'uko Banki mpuzamahanga ishinzwe iterambere ry’Abanyamerika ibivuga - ikintu gishya gishobora noneho kuringaniza ikibuga kandi ntigishobora gutera imbere gusa ahubwo binatanga amahirwe menshi yo gutangiza. Abakozi ba AI barimo guhindura uburyo serivisi yimari itangira ihuza abakiriya, kwagura kwinjiza, no kugabanya ibiciro. Izi ntumwa zitanga amahirwe yo gupima byihuse kandi byiza kuruta abababanjirije. Reba uko barimo guhindura ejo hazaza h'umurenge wa fintech muri Amerika y'Epfo.
Gutezimbere ibikorwa byabakiriya binyuze mubakozi ba AI
Abakozi ba AI bahindura imikoranire yabakiriya mugutangira imari bafata umurongo wambere wa 24/7 serivisi zabakiriya, ndetse no gukora imirimo igoye nkinama zamafaranga. Nk’uko Finextra ibivuga, ibigo by'imari bifashisha abakozi ku giti cyabo byabonye iterambere rya 30% mu guhaza abakiriya no kwiyongera kwa 20%.
Bamwe mu bakinnyi bakomeye bo mukarere basanzwe babona ibihembo. Urugero, MercadoLibre, yahujije AI hamwe n’imashini itanga serivisi z’imari yihariye - igikorwa cyafashije kuzamura isoko ryacyo kugera kuri miliyari zisaga 100 z'amadolari nk'uko Reuters ibitangaza.
Noneho, hamwe no kuzamuka kwa comptabilite muri Amerika y'Epfo (kwiyongera ku gipimo cya buri mwaka kingana na 15%) no kugabanuka kw'ibiciro byo gutunganya, icyahoze ari amahirwe y'ibihangange by'ikoranabuhanga bigenda bigera ku gisekuru gishya cyo gutangiza. Ihinduka ryitangwa ryemerera ibigo bikura kubaka ibisubizo bya AI murugo cyangwa kwemeza AI nkicyitegererezo cya Service (IAaaS) kugirango imikorere yabo igerweho. Vuba aha, umucuruzi munini wo muri Megizike yakoresheje IAaaS kugirango yandike uburyo bwo kwemeza inguzanyo ku baguzi - kugabanya igihe cyo gutegereza kuva ku cyumweru kugeza ku minota 15-20 gusa, byongera cyane uburambe bwabakiriya.
Gutezimbere kwinjiza amafaranga
Hamwe niterambere ryibinyabuzima bya fintech muri Amerika y'Epfo, kwinjiza amafaranga nabyo byateye imbere - nubwo bitaringaniye kandi muburyo buke. Ubushakashatsi bwakozwe na 2023 Mastercard bwerekana ko 21% by'Abanyamerika y'Epfo baguma hanze ya gahunda y’imari. Kandi, nubwo 79% bafite ikarita yo kubikuza na / cyangwa konti ya banki, batatu kuri icumi gusa ni bo bafite serivisi zinoze nkinguzanyo, inguzanyo, nubwishingizi.
Abakozi ba AI barimo kuba igikoresho cyingenzi cyo kwihutisha iterambere mu kwinjiza imari, bigatuma serivisi zitangiza imari zitangira kugira uruhare runini muri uku kwaguka. Ihuriro ry’ubukungu ku isi rivuga ko ikoreshwa ry’abakozi ba AI rishobora gutera ingaruka z’ikoranabuhanga mu iterambere ry’ubukungu nka Amerika y'Epfo, bigatuma serivisi z’imari zigera ku baturage batishoboye mu buryo butaziguye, badashingiye ku bikorwa remezo gakondo.
CGAP ivuga ko abakozi ba AI batanga umusanzu mugutunganya ibikorwa bigoye hamwe nibikorwa mugihe imikoranire yabakiriya yoroshye. Kurugero, mugihe umukozi wa AI ashobora gusesengura imibare itandukanye kugirango akore ibicuruzwa byimari yihariye, irashobora kumenyekanisha inzira zose zubucuruzi binyuze kuri WhatsApp, gusobanukirwa amategeko y amajwi yabakiriya, cyangwa gutanga ibyemezo byoroheje-byorohereza kwinjiza no mubice byicyaro bifite amashuri make.
Byongeye kandi, mugukoresha ubushishozi imibare itandukanye, abakozi ba AI nabo barashobora kubara ibiciro byinguzanyo nziza kandi bakongera igipimo cyemewe kubantu bafite amateka mabi cyangwa adafite. Isosiyete ikora ibijyanye n’imari yo muri Berezile yakoresheje AI mu gusesengura andi makuru y’inguzanyo ku bakiriya ba banki yageze ku gipimo cya 25% mu kwemeza inguzanyo mu gihe ikomeza ibiciro biri hasi.
Kunoza imikorere no kugabanya ibiciro.
Inyungu z'abakozi ba AI ntizagarukira gusa kuburambe bwabakiriya no kwinjiza amafaranga - abatangiye gushaka kugumya ibiciro byabo byo gukora nabo bashakisha imikorere. Fintech Galileo yatangaje ko umukozi wa AI yagabanije guhamagara ku biro 70%.
Kuri Gupshup, byagaragaye ko ibigo by'imari byashyize mu bikorwa abakozi ba AI byagabanutseho 40% kugeza kuri 50% mu bikorwa by’ibikorwa bijyanye na serivisi z’abakiriya no gutunganya inguzanyo. Izi nyungu zunguka ziva muburyo bwo gukora inyandiko, kugabanya intoki mubikorwa bisanzwe, no gucunga neza ibikorwa.
Urebye ibi bintu bitatu - kunoza imikoranire yabakiriya, kongera ibicuruzwa, no kugabanya ibiciro - abakozi ba AI barimo kuba igikoresho cyingenzi kubisekuruza bizaza bya serivise yimari. Byongeye kandi, amafaranga menshi yo gushora imari muri Amerika y'Epfo yamaze kwitegura kongera ishoramari mu gutangiza ibicuruzwa bitanga inguzanyo n'ubwenge bw'ubukorikori. Ibi bivuze ko fintechs ikoresha abakozi ba AI izahinduka uburyo bwiza bwo gushora imari.
Muri make, abakozi ba AI ntabwo ari kazoza ka serivisi zimari muri Amerika y'Epfo-basanzwe bafite ubwenge bwubu.

