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如何利用人工智能改善业务?听听这5家公司怎么说

人工智能或许在硅谷炙手可热,但在华尔街,人们对这一领域仍心存很大疑虑。

高性能算法在金融方面并非一个新现象,并且对于这个行业而言,效率和精度才是重中之重。

坦率地说,财务主管想要的是能够以某种方式赚钱的系统。 正因如此,新鲜、野性且闪光但却只能提供“智能”的人工智能系统无法在这里获得飞跃式的发展。

那些如今成功利用人工智能的金融科技公司,都早已找到了一种将这一技术应用于现有业务问题的具体方法。 例如,金融科技正在使用诸如专业硬件,大数据分析和机器学习算法等技术来进一步强化那些已经由人执行的任务。

在本周的奇点大学(Singularity University)指数融资峰会(Exponential Finance Summit)上,奇点大学的人工智能和机器人教授Neil Jacobstein分享了目前金融科技领域中最有趣的一些人工智能公司。

不出意料的是,这些公司都有明确的市场应用,并都在减少他们处理的商业问题中的摩擦。

投资:Numerai

Numerai是一种新型的对冲基金,其基础是基于巨大的对冲基金网络的众包知识——该系统收集了数以万计的金融模型和个人预测。 在这些信息的基础上,Numerai正在建立自己的财务模型,其中包含了通过众包社区上传的算法。Numerai已经获得了首轮资本公司(First Round Capital)和合广风投(Union Square Ventures)的融资。

市场调查:Alphasense公司

2010年,AlphaSense推出了其智能搜索引擎,该搜索引擎使用人工智能、自然语言处理算法和高级语言搜索工具,为研究人员提供具备严谨准确性且迅速的重要见解。 财务分析师可向AlphaSense的系统提出问题,并获得比简单的谷歌搜索更量身定制、更准确的洞见。 这个例子很好的说明了人工智能对金融研究方面的巨大助力作用。

预测分析:Opera公司

Opera公司帮助各家公司将大数据转化为预测性的见解和商业智能。 该公司使用模式识别来识别所谓的“信号”,即从数据中获得的可付诸行动的见解。他们的信号有助于研究人员了解市场乃至整个世界可能发生的情况,从而可以迅速采取行动。

会计:AppZen

提交支出报告是不少企业高管面临的一项艰巨任务,而AppZen的作用就是帮助他们解决这一难题。 该系统使用人工智能审计100%的员工费用,然后实时生成费用报告。 将这一过程自动化可以为企业节省可能损失的生产力。 AppZen还增强了企业识别可疑收费的能力。 所以,如果你在考虑报销那些所谓“陪客户的夜晚”所产生的昂贵花费,还是算了吧,因为AppZen很可能“一眼”就会发现这些猫腻。

托收:collectAI

collectAI是一个可能颠覆托收业务的云端软件系统。 collectAI使用自我学习算法来了解具体商业案例,然后从以前的成功案例中获得知识,并用这些见解来决定如何最好地处理当前的情况。

Artificial intelligence may be all the craze in Silicon Valley, but on Wall Street, well, there’s a lot of skepticism.

High-powered algorithms are not a new phenomenon in finance, and for this industry, the name of the game is efficiency and precision.

Quite frankly, finance executives want systems that, in one way or another, make money. Because of this, new wild and flashy AI systems that just make something “smart” won’t fly.

The fintech companies that are successfully leveraging AI today are the ones that have found a very concrete way to apply the technology to an existing business problem. For example, technology such as specialized hardware, big data analytics, and machine learning algorithms are being used in fintech to augment tasks that people already perform.

At the Singularity University?Exponential Finance Summit?this week, Neil Jacobstein, faculty chair of Artificial Intelligence and Robotics at SU, shared some of the most interesting AI companies in fintech right now.

Not surprisingly, these companies each have a clear market application and reduce friction in the business problems they address.

Investing:Numerai

Numerai is a new kind of hedge fund that is built by crowdsourcing knowledge through a massive network of hedge funds—the system collects hundreds of thousands of financial models and individual predictions. With this information, Numerai is building their own financial models that incorporate the algorithms submitted through the crowdsourced community. Numerai has already secured funding from First Round Capital and Union Square Ventures, which is no small feat.

Market Research:AlphaSense

In 2010, AlphaSense launched it’s intelligent search engine, which uses AI, natural language processing algorithms, and advanced linguistic search tools to provide researchers with critical insights with serious accuracy and speed. Financial analysts can pose questions to AlphaSense’s systems and get insights that are significantly more customized and accurate than a simple Google search would provide. It’s a great example of an AI augmenting a critical task in finance: research.

Predictive Analytics:Opera

Opera is helping companies turn their big data into predictive insights and business intelligence. The company uses pattern recognition to identify what they call “signals,” meaning actionable insights from data. Their signals help researchers understand conditions that may be happening in the market, or the world at large, so they can act quickly on these changes.

Accounting:AppZen

AppZen is a very practical solution to one of every executive’s most arduous tasks—submitting expense reports. The system uses AI to audit 100 percent of employee expenses and then generates an expense report in real time. Automating this process saves companies hours of lost productivity. AppZen also gives companies more confidence in their ability to flag suspicious charges. So, if you’ve been considering expensing that pricey “night out with clients,” don’t, because AppZen will likely flag it.

Collections:collectAI

collectAI is a cloud-based software system that’s shaking up the collection business. collectAI uses a self-learning algorithm to learn about the case, and then pulls knowledge from previous successful cases and applies those insights to decide how to best approach the situation at hand. The system gets better and better over time, which is pretty incredible.


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