With the rapid development of the economy, and the advancement of science and technology, artificial intelligence has gradually penetrated into all areas of our lives, technology is like a double-edged sword, artificial intelligence makes our lives more convenient, but at the same time brings some problems, such as the bank situation "embarrassing"? The four major banks have shot one after another, and bank employees feel that artificial intelligence is replacing them!
Where is the point of "embarrassment" for banks?
With the advancement of science and technology, some more traditional businesses have gradually been replaced by artificial intelligence. Gradually presenting a picture of a hundred flowers, financial products and other financial products emerge one after another, and there is a grandeur of "random flowers gradually charming the eyes", which makes our economic system gradually diversified.
In the past, banks relied on a large number of loans, such as housing loans, loans for enterprises, etc. to earn profits, and people deposited and other ways were relatively simple, making banks profitable. Nowadays, the rise of digital currency and the emergence of online payment have made our financial industry prosperous!
The traditional business of banks mainly relies on operating deposits and issuing loans, but now the emergence of online payment has made most people directly transact online, so that they do not need to go directly to offline business. Therefore, banks can no longer rest on their laurels, but must change the traditional model and drive new business with innovation.
People are now more and more reluctant to go offline to handle business, offline processing is time-consuming and laborious, and half a day is wasted. But with the development of the Internet industry. Mobile payment has gradually appeared in all aspects of people's lives, and many banking services have been able to be handled directly on mobile phones, which greatly facilitates people's lives, but the offline business of corresponding banks will also be reduced!
Due to the increase in online business and the rise of artificial intelligence, there is no need for manual labor for some simple businesses, so bank staff will become saturated and even face the risk of unemployment.
The future development direction and trend of the bank
The bank is in an "embarrassing situation", the four major banks have made a move, and everyone knows that with the advent of the Internet era, online business has increased significantly, so for the four major banks, in order to cope with this situation, some offline business points have been reduced.
The reduction of offline business points will cause some employees to lose their jobs or change their positions, but the eliminated and closed business sites will help banks integrate resources and optimize the market environment.
First: Adapt to the era of big data and build a cloud bank. Nowadays, the development of the Internet and cloud computing era has created "online ➕ and offline" dual services, mostly based on cloud services and supplemented by offline operations.
Second: talent is the first resource, pay attention to talent innovation. Talent with digital mindset and mindset is undoubtedly a key element for the success of a bank's digital transformation. Science and technology financial compound talents are talents that need to be developed and ➕ cultivated in the future.
Third: return to the essence of finance and pay attention to the real economy. Banks still have to return to the real economy, the real economy is the foundation to promote the development of banks, and the main body of the bank's business still depends on the real economy.
Can artificial intelligence completely replace people?
It is undeniable that the emergence of artificial intelligence is a product that conforms to the development of the times. This is the inevitable development of history and an important achievement reflecting the improvement of the people's living standards and scientific and technological progress.
The emergence of artificial intelligence has greatly facilitated people's lives and will lead to a large number of unemployed people, but AI is only a machine after all, and it lacks emotion. Nowadays, it can only replace some simple business with low operating coefficient, which greatly improves business efficiency.
People have temperature, machines are cold. Emotional communication is the key to human interaction, and banking is not only a low-operation business, but also interpersonal communication with customers.
Therefore, artificial intelligence is not absolutely good, compared to cold machines, people may be more willing to accept smile service, can quickly close the distance between people, produce emotional resonance, and can also explain some businesses in more detail. Technology is a double-edged sword, we must see both its strengths and its shortcomings, so this is why artificial intelligence cannot replace humans after all.
What will the bank of the future look like?
In the future, banks will definitely upgrade to digital transformation and provide a variety of online services. It is no longer a single business, but also provides more differentiated and personalized exclusive services according to the different needs of customers. Establish a new type of business relationship and build a green and low-carbon bank.
With the rapid development of science and technology and information technology, great changes have taken place in both banking and all aspects of life. However, these changes are the products of conforming to the trend of the times, and will surely drive the transformation and upgrading of the bank to promote its development better.
History is always progressing, and the times are always developing. We cannot change history or change the times, artificial intelligence will not completely replace human beings, in some areas they can bring convenience to human beings and serve people. In some fine fields or other fields, artificial intelligence will never replace humans.
We just need to do a good job of ourselves, strive to improve ourselves, so that we can better adapt to the times, contribute to the motherland, and give full play to the advantages of talents!