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最有看点的互联网金融门户
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保险科创企业已经用人工智能机器人Evia替代了人类

美国马萨诸塞州的一家保险科技创业公司已经用人工智能替代了人类。如果你身处汽车保险行业,也许是时候转行到别的领域了。

我们一直在紧密关注保险科技领域,但人工智能一直被认为会先取代传统的财富管理顾问,再取代保险代理商。尽管如此,来自MIT的创业公司Insurify发布了人工智能虚拟保险代理人Evia(Expert Virtual Insurance Agent,虚拟保险代理专家),它可以通过一张车牌照片为你找到更好的汽车保险。

不仅如此,这家创业公司还宣布获得了200万美元的种子轮融资,由Rationalwave Capital Partners领投。这一数额虽大,但与汽车保险行业1600亿美元的潜在规模相比,实在是小巫见大巫。

Insurify的系统已经在美国30个州上线,该公司提供82家保险公司的报价,但Evia还处在受限公测阶段。

1 第1张

Evia是一个机器人,在你拍下车牌的照片并通过信息发送给它后,将反馈给你经过筛选的报价信息。与人类一样,Evia会通过问问题验证你的身份,并会询问你的车是买的还是租的。之后Evia才会开始给你发送适合你的保险计划报价。

Evia的功能还不止这些。例如,如果你不理解某些保险条款,你可以把你的问题发给Evia,它会根据自己的知识给你答案。如果它无法解答(虽然这不太可能),将会有一个人类员工替它进行回复。虽然最后的步骤还是由人类来完成,但保险代理人的主要工作,即咨询和交流,的确已经被取代了。

Evia相比人类记忆有着天然的优势,仅仅是“看一眼”车牌的照片,它就能立刻了解你的个人信息和驾驶历史,然后再把保险政策信息与推荐产品用文本信息发送给你。

仅用一张照片就能得到量身定做的精确保险推荐,这无疑是一项革命性的服务升级。尽管如此,细心的人还是发现了可能的缺陷。Evia是否有可能被犯罪分子作为获取车主个人信息的工具?多虑了,Evia很机智,它只会提供照片中汽车的保险报价,并不会给出车主的信息。

2 第2张
Evia并不是抢走人类工作的第一个人工智能产品。日本的跨国电信与互联网公司软银,最近在CES上发布了其智能机器人Pepper。IBM与软银机器人技术控股公司宣布,计划为软银的Pepper机器人提供认知计算技术平台Watson的特殊版本,该机器人为全球企业用户开发。Pepper宣称可以通过语言和情绪来理解人类,而这些信息原本被认为是机器无法处理的。在获得了理解人类的能力后,Pepper未来有可能成为银行网店员工。
3 第3张

人工智能的其他例子可能很快就会藏在你的Facebook聊天软件中。人工智能的个人助理M成为了Facebook进入人工智能和个人助理领域的第一个尝试。去年10月,Facebook就开始以BI的名义小范围测试这一产品。令人惊讶的是,在BI的介绍中,M是一半人工一半人工智能的。换句话说,它是一种革命性的人与机器的神秘混合体。根据Facebook介绍,M的人工智能“基于两种老式算法,它们是当下很多自动化服务的统计与概率支柱”。M的“母亲”与训练者Facebook看起来拥有无限的资金来支持它,因此距离M走出聊天软件,走近银行的一天已经不远了。

借款、交易于反欺诈行业的公司已经在使用机器学习提供服务了。当然,财富管理领域是受到人工智能冲击最大的行业之一(当然也可以视作是受益最大),因为像IBM的Watson一样的计算机正在快速学习,把人类甩在后面。

4 第4张

包括Affirm、ZestFinance、BillGuard、Lending Club等金融科技巨头已经在使用机器学习来进行精确决策和预测分析。例如,Affirm正通过成功深入挖掘海量数据改写信用评估行业的游戏规则。为了防止欺诈和建立信用数据,这家公司使用了机器学习模型。

ZestFinance使用机器学习技术和大数据分析来利用海量数据,并做出更精确的信贷决策。该公司在发行债券时使用了完全不同的方式——依靠机器学习和大数据分析。

BillGuard是大规模数据挖掘、机器学习算法、网络安全以及消费者网络用户体验方面的专家。Kabbage团队专门负责搭建下一代机器学习和分析平台,以此搭建信用风险模型和分析已有的资产组合。

根据投资银行美银美林的数据,全球机器人与人工智能领域的市场规模,将在2020年达到1527亿美元,该预测中假设这些技术的应用将能使某些行业的生产率提高30%。与这一增长机会同时出现的,是可能对人类工作带来的影响。例如,底层销售代表和销售顾问的失业率可能大幅提高。

An InsuranceTech startup from Massachusetts has just replaced a human with AI. If you are in the car insurance industry, this might be the right time to start a transition into other field.

We have been looking at InsuranceTech attentively, but AI was really expected to replace traditional wealth management advisors before it replaced insurance agents. Nevertheless, Insurify, a startup out of MIT, announced the launch of Evia (Expert Virtual Insurance Agent), an artificially intelligent virtual insurance agent that aims to find you better car insurance using a photo of your license plate.

In addition to that, the startup also announced a $2 million seed funding round, led by Rationalwave Capital Partners. But even $2 million in funding fades against the potential opportunity in the $160 billion car-insurance industry.

Insurify’s system is already operating in 30 states, and the company can offer quotes from 82 insurance carriers, while Evia is available in a limited public beta.

 1 第1张

Evia is a bot that will provide you a tailored quote after you snap a licence plate and send to Evia via text. Just like a human, Evia will ask some questions to verify your identity and will ask whether you own or lease the car. Then Evia can start sending quotes for plans that would be a good fit for you.

There is more. If there is something you don’t understand, certain terms, for example, you can send your question to Evia and she will answer based on her own knowledge. In the unlikely scenario that Evia doesn’t know something, a human will respond on her behalf. Admittedly, we were a little dramatic in saying that Evia has replaced a human as after she helped you to choose an insurance plan. The last step is still completed by a human, but the essence of the car insurance agent’s role in advising and communicating benefits is definitely lost.

Evia has an inherent superiority over human memory as just by ‘looking’ at a snap of your license plate she will instantly brush through millions of records to verify personal information and driving history and then deliver policy quotes and recommendations back to you via text message.

Tailored and accurate insurance in a snap appears revolutionary. Nonetheless, there is a drawback not missed by picky minds. Can Evia become a tool for criminals to get private information about a car owner? Well, Evia is smart enough to provide only a quote for a particular car that the user took a snap of without giving away the owner’s data.

 2 第2张
Evia is not the first AI that has stolen a human’s job. SoftBank, a Japanese multinational telecommunications and Internet corporation recently brought its smart robot, Pepper, to CES. IBM and SoftBank Robotics Holdings Corp. announced plans to offer a version of the open cognitive computing technology platform, Watson, for SoftBank Robotics’ Pepper robots, aimed at global enterprise customers. Pepper promises to be able to understand a human with underlying meanings of words, emotions and what a machine wasn’t previously able to do. With the understanding of a human, Pepper is potentially our future bank branch worker.
 3 第3张

Another interesting example may soon be hidden in your Facebook messenger. M, an AI-powered personal assistant, is an entry ticket for Facebook into AI and the personal assistant space. In October last year, Facebook started testing it in a small beta, as reported by BI. Excitingly scary, M is part AI and part human and as stated by BI, the promise of M being a revolutionary and mysterious hybrid of man and machine. As Facebook shared, M’s AI is “based on two old-school algorithms that form the statistical and probabilistic backbone of many automation services today.” With seemingly unlimited funds available for M from its parent and sophisticated trainers, M is not far from moving out from Messenger to the bank.

Players in lending, trading and fraud detection are already using machine learning to provide services. And of course the wealth management sector is the one most vulnerable to AI (or to benefit from it depending on your point of view) as machines like IBM Watson are learning at a rapid pace leaving humans far behind.

4 第4张

Notable FinTech players like Affirm, ZestFinance, BillGuard, Lending Club, Kabbage and LendUp are using machine learning for accurate decision making and predictive analysis. Affirm, for example, is mining vast amounts of data to successfully rewrite the rules on how credit is evaluated. To protect against fraud and build credit data, the company uses machine learning models.

ZestFinance uses machine learning techniques and large-scale data analysis to consume vast amounts of data and make more accurate credit decisions. ZestFinance takes an entirely different approach to underwriting by using machine learning and large-scale big data analysis.

BillGuard has expertise in big data mining, machine learning algorithms, security and consumer Web UX. The Kabbage team specializes in building the next-generation machine learning and analytics stack for building credit risk models and analyzing the existing portfolio.

According to investment bank, Bank of America Merrill Lynch, the total global market for robots and artificial intelligence will reach $152.7 billion by 2020, with estimates that the adoption of these technologies could improve productivity by 30% in some industries. Along with fascinating opportunities, there are potential dangers for the human workforce, one of which is possible massive unemployment of low-level sales representatives and consultants.


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