最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯

人工智能正在改变投资者的资金管理方式

全新的互联网金融模式国际资讯

人工智能正在改变投资者的资金管理方式

本月早些时候,道琼斯工业平均指数下跌超过1,300个点,这是自二月份以来最大的下跌幅度。

如果您是摩根士丹利财富管理部门的客户,您可能已经收到了财务顾问的消息。

消息会告诉您市场的实际情况和公司投资专家对此的看法,以及根据近期情况来看,您投资组合目前的盈利能力。

以往,一般会由您的财务顾问向您发送电子邮件消息。而如今,顾问们正开始从人工智能那里获取帮助。

摩根士丹利等公司正在尝试采用这些新技术来更好地管理客户的资金。

人工智能是指计算机科学能够用来代替人类智能的能力。从摩根士丹利等华尔街知名公司,到智能投顾公司和初创企业,金融公司都在尝试通过算法、数据挖掘和自然语言处理等工具为您创造更多财富。

今年年初,摩根士丹利正式向自己15,000多名财务顾问发布"下个最佳行动"(Next Best Action)工具。包括公司的服务雇员在内,共有20,000多人可以使用这些工具。

这项技术通过电子邮件、短信和其他记录来评估与客户的通信,然后使用机器学习来评估可以向客户提出的其他想法。

当您大量持有的股票被机构降级时,该工具还会提醒您的顾问发送消息给您。或者如果您居住的地方即将有暴风雨来临,例如最近的飓风"佛罗伦萨"和"迈克尔",该工具会向您发送一份注意事项,列出各种有用资源、保险权益信息和保护宠物的建议。

摩根士丹利财富管理部门首席分析和数据官Jeff McMillan说道:"机器向财务顾问提供这些想法,然后顾问根据自己的实践和客户的需求确定可行的想法。"

自然语言技术是考验人工智能处理人类需求的方法之一。

硅谷初创企业Avaamo主要负责向金融服务公司提供对话人工智能,公司创始人兼CEO Ram Menon表示,几年前主要是苹果的Siri采用该技术,Siri能够根据任务请求给出相应回复或进行对应操作,例如"播放Taylor Swift的歌"或者"纽约天气怎么样?"。

现在,这项技术已经能够回答更为复杂的问题,以代替人类互动。

对于财富管理部门的客户来说,这意味着能够通过移动应用、网站或语音获得更及时的日常请求回复,例如重新平衡投资组合或出售股票。

Menon说道:"关于AI即将改变世界的说法众多,AI也正在改变世界,财富管理和退休规划市场发生的众多变化是明确可行的,并且让整个互动过程更加高效。"

一些公司也在尝试使用机器学习,将数据用来为客户做出预测。

今年早些时候,智能投顾Wealthfront引入了新功能Path,该功能使用第三方数据和机器学习技术来回答各种问题,包括您可以退休的时间、可以购买的房屋数量以及可以居住的街区。

Wealthfront通信副总裁Kate Wauck说道:"如果您告诉我说五年内要购买东村那幢价值130万美元的公寓楼,我会告诉您,想法非常好。如果您打算这么做,那您可能需要推迟几年退休或者开始存更多的钱。这并非是单独的建议,而是自动化的魔力。"

在摩根士丹利,顾问可以发送的建议主要是为了增强,而不是取代他们的工作。

McMillan说道:"客户满意度最有效的驱动因素就是私人会面和电话往来。"

这些私人谈话通常会讨论各种话题,包括投资方案,以及更复杂的情形,比如父母出现早期痴呆症状或孩子诊断出严重残疾。

McMillan表示公司使用这项技术来解决两个问题。第一,这项技术让财务顾问有更多时间进行深度对话。第二,这项技术有助于顾问更快地接触更多人。所以在道琼斯指数下跌幅度较大时,顾问可以通过机器立即向数百位客户发送消息,远远高出他们自己可以发送的数量。

其他公司也给出了客户更倾向于自动化系统而非人类互动的示例。

Menon表示,Avaamo曾经与亚洲一家保密金融服务公司合作部署虚拟助理,用于提供寿险报价,实际上,该客户就倾向使用自动化接触。

Menon说道:"客户反馈表示'我们喜欢虚拟助理,因为它从不说谎,也不会推销产品,非常实事求是。'"

同样的,智能投顾Wealthfront也认为自己的客户(平均年龄32岁)倾向于非人类接触。

Wauck说道:"我们并不是呼吁谁来真正地做些事情,这只是根深蒂固的消费者喜好。"

人工智能是否将真正取代人类金融建议及其取代速度,每个人的答案都有所不同。

Menon说道:"我认为技术已经开始取代人类,这是采用方面的问题,而且行业似乎不愿意放任自流。"

智能投顾Betterment将人工智能用于有限的内部任务,如支票处理。

Betterment行为金融和投资主管Dan Egan表示,公司不会使用该技术来生成金融建议或管理投资组合。

Egan说道:"一般来说,机器智能就像是个孤独的天才,只会在小范围的某些问题上表现非常好,对于拥有不同选择分支的开放式模糊事物,则表现不佳。"

Edelman Financial Services执行董事、财务顾问Ric Edelman也不确定该技术是否真的能取代人类。

他说道:"对于私人问题和资金的软层面而言,算法和AI还无法帮助您解决个人金融决策中的复杂因素和困扰。"

Edelman表示,这种情况可能在未来十年、二十年或三十年内,或者是在我们难以区分人类智能和人工智能的时候有所改变。

"普遍认为这个时间点在本世纪三十年代。"他说道,"换句话说,金融规划职业未来一段时间依旧是热门职业。"

The Dow Jones Industrial Average shed more than 1,300 points earlier this month in the most dramatic drop since February.

If you are a client of Morgan Stanley Wealth Management, you may have received a message from your financial advisor.

The purpose of the message would be to tell you exactly what happened in the market and what the firm’s investment professionals are saying about it. It would also tell you your portfolio’s current probability of success in light of recent events.

The email would come from your financial advisor. But behind the scenes, they are getting help from a source you might not expect: artificial intelligence.

Morgan Stanley is one firm experimenting with how these new technologies can be applied to better manage clients’ money.

Artificial intelligence refers to the ability for computer science to be applied in ways that replace human intelligence. Financial firms — ranging from big Wall Street names like Morgan Stanley to robo-advisors and start-ups — are all taking a look at how tools such as algorithms, data mining and natural-language processing can help you become wealthier.

Morgan Stanley formally launched its initiative — called Next Best Action — to its more than 15,000 financial advisors earlier this year. Including the firm’s service employees, more than 20,000 have access to the tools.

The technology works by evaluating communications with clients by emails, texts and other notes. It then applies machine learning to evaluate other ideas that can be suggested to the client.

The tool could prompt your advisor to send a message when a stock you have a significant position in has been downgraded by the firm. Or if you live in the path of a coming storm — as with hurricanes Florence and Michael recently — it can send you a note with a list of helpful resources, information on your insurance rights and tips for protecting your pets.

“The machine serves up those ideas to the financial advisor, and then they decide what makes sense based on their practice and the needs of the clients,” said Jeff McMillan, chief analytics and data officer at Morgan Stanley Wealth Management.

Natural-language technology is one way that artificial intelligence is being put to the test to handle human requests.

This started hitting the mainstream a few years ago with Apple’s Siri, which could answer task-based requests, such as “Play Taylor Swift” or “What is the weather in New York?” according Ram Menon, founder and CEO of Silicon Valley start-up Avaamo, which is providing conversational artificial intelligence to financial services firms.

Now the technology is advancing to more complex questions to replace human interaction.

For wealth management clients, that means the possibility of getting a more immediate response via mobile apps, websites or voice for routine requests, such as to rebalance your portfolio or sell a stock.

“While there is a lot of talk about AI is going to change the world, and it is, a lot of the changes that are happening in the wealth management, retirement-planning market is tangible, is practical and is just making the whole velocity of interactions more efficient,” Menon said.

Some companies are also experimenting with machine learning, where data is used to make predictions for the client.

Earlier this year, robo-advisor Wealthfront introduced a new feature named Path, which uses third-party data and machine-learning techniques to provide answers on everything from when you can retire, how much home you can afford and which neighborhoods you can afford to live in.

“If you tell me that you’re going to buy that $1.3 million condo in the East Village in five years, I can actually tell you, ‘That’s great. If you want to do that, it looks like you might have to retire a couple of years later or you could just save more,” said Kate Wauck, vice president of communications at Wealthfront. “It’s not siloed advice. This is the power of automation.”

At Morgan Stanley the prompts advisors can send are aimed at helping to augment — not replace — their work.

“The most powerful driver of client satisfaction are in-person meetings and phone calls with our clients,” McMillan said.

Those in-person conversations often involve discussing everything from investment options to more complex situations, such as handling parents who have early stage dementia or a child who has been diagnosed with a severe disability.

The technology the firm is using solves two problems, McMillan said. First, it frees up more time for financial advisors to have more of those in-depth conversations. Second, it allows them to reach more people faster. So when the Dow has a precipitous drop, the machine allows advisors to message hundreds of clients at once — more than they could possibly reach individually.

Other companies cite examples where clients are showing a preference for automated systems over human interaction.

When Avaamo worked with one undisclosed financial services firm in Asia to deploy a virtual assistant to provide life insurance quotes, the clients actually preferred that contact, Menon said.

“The feedback was, ‘Hey, we like the virtual assistant because it doesn’t lie. It’s not trying to sell me something. It’s very factual,'” Menon said.

Likewise, robo-advisor Wealthfront is also betting that its clients — whose average age is 32 — prefer nonhuman contact.

“We don’t call someone to really do anything anymore,” Wauck said. “That’s just an ingrained consumer preference.”

Whether artificial intelligence will actually replace human financial advice — and how fast it does — depends on who you ask.

“I think the technology is already there to replace the human,” Menon said. “It’s a question of adoption, as well as the seeming reluctance of the industry to let go.”

Betterment, another robo-advisor, is using artificial intelligence in a limited capacity to back-office tasks such as check processing.

The company does not use the technology to generate financial advice or manage portfolios, said Dan Egan, director of behavioral finance and investing at Betterment.

“Generally speaking, machine intelligence is kind of like an autistic savant, in that it will be very good at a very narrow, well-defined set of problems,” Egan said. “It is not good at very open ended vague things with lots of different branches you can proceed down.”

Financial advisor Ric Edelman, executive chairman of Edelman Financial Services, is also not sure the technology is there yet.

“When it comes to personality issues and the soft side of money, the algorithms, the AI, is nowhere near ready yet to be able to help you deal with the complexities and nuances of personal finance decisions,” Edelman said.

But that could change in 10, 20 or 30 years, Edelman said, or whenever we reach the point when human and machine intelligence are indistinguishable.

“It’s widely considered that that is targeted for somewhere in the 2030s,” Edelman said. “In other words, the financial-planning profession remains a really good career for a while to come.”

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