Shulou(Shulou.com)06/02 Report--

The little ant said:

On November 8th, at the Fifth World Internet Congress-"artificial Intelligence: new opportunities for Integrated Development" forum, Ant Financial Services Group Vice President and Chief data Scientist Qi Yuan believed that AI has three major functions: controlling risks, reducing costs and increasing efficiency, and enhancing user experience.

On November 8th, the Fifth World Internet Congress-"artificial Intelligence: new opportunities for Integrated Development" forum was successfully held. Ant Financial Services Group Vice President and Chief data Scientist Qi Yuan expressed his wonderful views on AI. This article is a wonderful summary.

Ant Financial Services Group Vice President and Chief data Scientist Qi Yuan (first from right)

Taking Ant Financial Services Group as an example, Qiyuan pointed out that the role of AI is very important. First, risk can be controlled through AI, and risk is the core of finance; second, AI can improve efficiency and reduce costs; third, AI can enhance user experience.

Lacquer Yuan uses examples to prove the value of AI in these three aspects.

First of all, from the perspective of risk control, transaction risk and loan risk can be controlled by AI. Ant Financial Services Group's micro-loan 310 model is a good example of risk control through AI. "through AI, Ant Financial Services Group can apply for a loan in 3 seconds, make a decision in 1 second, and make 0 manual work. Ant Financial Services Group uses self-developed AI technology to analyze loan problems, such as relevance, user data, etc., and combines these data together." Qiyuan means.

Ant Financial Services Group displays fixed and damaged treasures at the "Light of the Internet" Expo.

Second, from the perspective of reducing costs and improving efficiency, Ant Financial Services Group has a classic example, that is, Dingyangbao. By analyzing the photos through computer vision technology, we can evaluate and determine the maintenance cost of vehicle damage. This process is accomplished through deep learning and machine learning. Qiyuan said that since Dingshangbao was launched in June 2017, it has saved more than 1 billion yuan in labor costs a year. The greatest value of AI technology is to turn a very long and painful human process into a fully automated computer vision problem.

Third, from the perspective of user experience. At present, more than 97% of Ant Financial Services Group's intelligent customer service built through AI technology is a "robot." These "robots" surpass people in a number of indicators.

Qi Yuan said that the challenge in the current development of AI is integration and co-creation, so Ant Financial Services Group hopes to open his technology in AI to the outside world. Previously, Ant Financial Services Group cooperated with Zhonghe Nongxin in a national poverty alleviation project and opened up AI technology. In the case of shared learning, Zhonghe Nongxin's risk control ability was greatly enhanced, the digital loan business was fully guaranteed, and the function of "1: 1 > 2" was realized.

For the future of AI, Qiyuan believes that AI technology has just begun, and there are still many problems to be solved in the process of development, such as what is the goal of AI development? How to make AI inclusive? In the long run, this determines what kind of change AI can bring to the whole society.

Chi Yuan pointed out that the most important thing about AI is that what we are talking about is the intelligence of individuals, but the real intelligence is an organization. "Swarm intelligence is very critical, such as unmanned cars and intelligent navigation. Behind this is not a car, but a city car. What kind of impact it will have behind this is very critical." Qiyuan means.

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