{"id":3131,"date":"2018-04-23T12:54:10","date_gmt":"2018-04-23T12:54:10","guid":{"rendered":"https:\/\/blog.kolabtree.com\/?p=3131"},"modified":"2021-09-27T08:58:46","modified_gmt":"2021-09-27T08:58:46","slug":"5-applications-of-ai-in-banking","status":"publish","type":"post","link":"https:\/\/www.kolabtree.com\/blog\/pt\/5-applications-of-ai-in-banking\/","title":{"rendered":"5 Aplica\u00e7\u00f5es da IA no setor banc\u00e1rio"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_45_1 counter-flat ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Tabela de Conte\u00fados<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69f19e15aa6a2\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69f19e15aa6a2\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.kolabtree.com\/blog\/pt\/5-applications-of-ai-in-banking\/#1_Use_of_Chatbots\" title=\"1. Uso de Chatbots\">1. Uso de Chatbots<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.kolabtree.com\/blog\/pt\/5-applications-of-ai-in-banking\/#2_Aids_in_Market_Research_and_Support_Services\" title=\"2. Aux\u00edlios em pesquisa de mercado e servi\u00e7os de apoio\">2. Aux\u00edlios em pesquisa de mercado e servi\u00e7os de apoio<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.kolabtree.com\/blog\/pt\/5-applications-of-ai-in-banking\/#3_Fraud_Detection_and_Prevention\" title=\"3. Detec\u00e7\u00e3o e Preven\u00e7\u00e3o de Fraudes\">3. Detec\u00e7\u00e3o e Preven\u00e7\u00e3o de Fraudes<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.kolabtree.com\/blog\/pt\/5-applications-of-ai-in-banking\/#4_Risk_Analysis_and_Assessment\" title=\"4. An\u00e1lise e avalia\u00e7\u00e3o de risco\">4. An\u00e1lise e avalia\u00e7\u00e3o de risco<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.kolabtree.com\/blog\/pt\/5-applications-of-ai-in-banking\/#5_Deep_Learning_in_Bank_Supervision\" title=\"5. Aprendizagem profunda na supervis\u00e3o de bancos\">5. Aprendizagem profunda na supervis\u00e3o de bancos<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Com o surgimento da tecnologia digital, as institui\u00e7\u00f5es financeiras em todo o mundo est\u00e3o recorrendo a poderosos avan\u00e7os tecnol\u00f3gicos como <a href=\"https:\/\/www.kolabtree.com\/find-an-expert\/subject\/artificial-intelligence?utm_source=Blog_AIBanking\">Intelig\u00eancia Artificial<\/a> (AI) e Aprendizagem de M\u00e1quina (ML). As aplica\u00e7\u00f5es da IA no setor banc\u00e1rio est\u00e3o gradualmente moldando o processo geral de produ\u00e7\u00e3o, entrega e utiliza\u00e7\u00e3o de produtos financeiros. Com o tempo, houve um aumento consider\u00e1vel na utiliza\u00e7\u00e3o de AI e ML em uma ampla gama de aplica\u00e7\u00f5es em todo o sistema financeiro como intera\u00e7\u00e3o automatizada com o cliente, aplica\u00e7\u00f5es web e m\u00f3veis atualizadas, opera\u00e7\u00e3o de contas banc\u00e1rias remotas, autentica\u00e7\u00e3o e verifica\u00e7\u00e3o, avaliando a qualidade de cr\u00e9dito para produtos financeiros e contratos de seguro. As institui\u00e7\u00f5es banc\u00e1rias est\u00e3o alavancando o poder da AI e ML para transformar o processo atual e us\u00e1-lo para controle de qualidade, avalia\u00e7\u00e3o de dados, vigil\u00e2ncia e detec\u00e7\u00e3o de fraudes. Neste blog, analisaremos de perto alguns dos usos e aplica\u00e7\u00f5es mais eficazes da IA no setor banc\u00e1rio.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Use_of_Chatbots\"><\/span><b>1. Uso de Chatbots<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">O que s\u00e3o os Chatbots? Chatbots s\u00e3o softwares de IA que podem acionar uma conversa e interagir com um ser humano. S\u00e3o talkbots automatizados que processam as informa\u00e7\u00f5es solicitadas de forma compreens\u00edvel para o ser humano, seja em formato de texto ou vocal e retribuem em conformidade. As institui\u00e7\u00f5es banc\u00e1rias tendem a usar estes \"chatbots\" para responder \u00e0s consultas dos clientes em grande escala. Consideravelmente, estes \"chatbots\" n\u00e3o apenas resolvem d\u00favidas ou reclama\u00e7\u00f5es de clientes, mas tamb\u00e9m economizam muito tempo e esfor\u00e7o dos banqueiros. Uma iniciativa recente do HDFC Bank \u00e9 o lan\u00e7amento de seu primeiro talkbot, \"Eva\", que \u00e9 extremamente popular e tem atendido de forma eficaz a in\u00fameros clientes do banco.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Aids_in_Market_Research_and_Support_Services\"><\/span><span style=\"font-weight: 400;\">2.\u00a0<\/span><b>Aux\u00edlios em pesquisa de mercado e servi\u00e7os de apoio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">O aprendizado de m\u00e1quinas influenciou os marqueteiros para analisar o comportamento passado e otimizar as tend\u00eancias atuais e futuras dos produtos. Os banqueiros est\u00e3o usando esta tecnologia para verificar a viabilidade de seus produtos financeiros existentes no mercado e elaborar suas campanhas de acordo com as necessidades. Na era atual da digitaliza\u00e7\u00e3o, h\u00e1 mais coisas adicionadas ao kitty de um cliente moderno do que apenas uma conta banc\u00e1ria normal em um determinado banco. Ele\/ela tem a op\u00e7\u00e3o de desempenhar fun\u00e7\u00f5es banc\u00e1rias como transfer\u00eancia de fundos, ou levantar um ticket de reclama\u00e7\u00e3o ou reclama\u00e7\u00e3o atrav\u00e9s de um banco m\u00f3vel ou pela Internet e n\u00e3o precisa visitar um banco para registrar um. AI e ML facilitaram a viagem dos clientes desde a primeira intera\u00e7\u00e3o, fornecendo o melhor suporte ao cliente da classe, substituindo assim os m\u00e9todos tradicionais de relacionamento com o cliente.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Fraud_Detection_and_Prevention\"><\/span><b>3. Detec\u00e7\u00e3o e Preven\u00e7\u00e3o de Fraudes<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">O aprendizado de m\u00e1quinas veio a existir no setor banc\u00e1rio para proteger a infra-estrutura banc\u00e1ria contra fraudes. Torna-se f\u00e1cil capturar transa\u00e7\u00f5es fraudulentas com a ajuda de <a href=\"https:\/\/www.greycampus.com\/blog\/big-data\/machine-learning-for-a-stronger-iot-security-environment\">Algoritmos ML que identificam facilmente atividades suspeitas<\/a> com base no hist\u00f3rico da transa\u00e7\u00e3o. Podemos considerar o exemplo de transa\u00e7\u00f5es enormes desconhecidas que s\u00e3o iniciadas a partir de uma certa conta de fraude que tem um hist\u00f3rico de verifica\u00e7\u00f5es m\u00ednimas. Tais transa\u00e7\u00f5es s\u00e3o facilmente capturadas por m\u00e1quinas em tempo real com base em a\u00e7\u00f5es passadas e ajudam a garantir o dinheiro dos clientes nos bancos. Os algoritmos de aprendizado de m\u00e1quinas n\u00e3o s\u00f3 ajudam os computadores na detec\u00e7\u00e3o mais r\u00e1pida de fraudes, mas identificam com facilidade as amea\u00e7as cibern\u00e9ticas e outras pr\u00e1ticas virtuais desleais. <\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Risk_Analysis_and_Assessment\"><\/span><b>4. An\u00e1lise e avalia\u00e7\u00e3o de risco<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Toda institui\u00e7\u00e3o financeira verifica a solv\u00eancia de um cliente em potencial antes de conceder um empr\u00e9stimo a qualquer cliente. J\u00e1 se foram os dias em que os bancos costumavam confiar em t\u00e9cnicas tradicionais como verificar o crescimento da renda do cliente em potencial, sua pontua\u00e7\u00e3o de cr\u00e9dito ou hist\u00f3rico de transa\u00e7\u00f5es para avaliar os riscos antes de proceder com as formalidades de empr\u00e9stimo. Com o advento do aprendizado de m\u00e1quinas, tornou-se mais f\u00e1cil para os bancos n\u00e3o apenas avaliar os riscos, mas tamb\u00e9m verificar as condi\u00e7\u00f5es de mercado em tempo real e estimar o comportamento do potencial cliente em potencial para identificar qualquer poss\u00edvel fraude. Isto resultou em uma melhor an\u00e1lise dos riscos e em uma maior satisfa\u00e7\u00e3o do cliente.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Deep_Learning_in_Bank_Supervision\"><\/span><b>5. Aprendizagem profunda na supervis\u00e3o de bancos<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">H\u00e1 alguns algoritmos no ML supervisionado que n\u00e3o s\u00e3o t\u00e3o simples e transparentes. Nessas condi\u00e7\u00f5es, o aprendizado profundo vem \u00e0 tona. <a href=\"https:\/\/www.greycampus.com\/deep-learning-for-nlp-using-tensorflow\">Aprendizado profundo<\/a> \u00e9 uma rede sensorial profundamente enraizada que utiliza camadas diversificadas de neur\u00f4nios com milhares de c\u00e9lulas em cada camada para analisar os dados. O poder de tais algoritmos est\u00e1 crescendo exponencialmente nas \u00e1reas de aprendizado de m\u00e1quinas. As institui\u00e7\u00f5es banc\u00e1rias est\u00e3o usando isto no est\u00e1gio inicial de desenvolvimento enquanto tomam decis\u00f5es de cr\u00e9dito que poderiam ajudar o processo ML de empr\u00e9stimos e tamb\u00e9m monitorar a conformidade regulamentar de tais institui\u00e7\u00f5es.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Algorithmic trading and complex market conditions have considerably improved with the use of <a href=\"https:\/\/www.kolabtree.com\/blog\/pt\/ensuring-reproducibility-in-ai-driven-research-how-freelance-experts-can-help-in-biotech-and-healthcare\/\">Intelig\u00eancia Artificial<\/a>. Hedge funds across high-end systems are deploying AI models to make decisions in real-time and bridge the chasm between data analysis and business acumen.<\/span><\/p>\n<p><b>Conclus\u00e3o<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Assim, podemos afirmar com seguran\u00e7a que as aplica\u00e7\u00f5es da IA no setor banc\u00e1rio s\u00e3o muitas, permitindo que as institui\u00e7\u00f5es passem de m\u00e9todos hist\u00f3ricos reativos para uma forma mais proativa e personalizada de lidar com as necessidades dos clientes. De certa forma, essas poderosas ferramentas permitiram \u00e0s empresas financeiras compreender tanto os pontos fortes quanto as limita\u00e7\u00f5es dos produtos financeiros e, assim <\/span><span style=\"font-weight: 400;\">fornecer produtos e servi\u00e7os de qualidade aos usu\u00e1rios finais finais finais finais. Os bancos devem garantir que n\u00e3o est\u00e3o sacrificando em nenhum lugar na seguran\u00e7a banc\u00e1ria e manter uma sanidade e estabilidade financeira geral.<\/span><\/p>\n<p>&#8212;<br \/>\nDeseja consultar um especialista em Intelig\u00eancia Artificial aut\u00f4nomo? Entre em contato com cientistas qualificados em <a href=\"https:\/\/www.kolabtree.com\/find-an-expert\/subject\/artificial-intelligence?utm_source=Blog_AIBanking\">Kolabtree<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>With the onset of digital technology, financial institutions across the globe are resorting to using powerful technological advancements like Artificial Intelligence (AI) and Machine Learning (ML). The applications of AI in banking is gradually shaping the overall process of production, delivery, and utilization of financial products. With time, there has been a considerable rise in<\/p>\n<div class=\"read-more\"><a href=\"https:\/\/www.kolabtree.com\/blog\/pt\/5-applications-of-ai-in-banking\/\" title=\"Leia mais\">Leia mais<\/a><\/div>","protected":false},"author":46,"featured_media":3201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[434],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.1 (Yoast SEO v20.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Applications of AI in Banking - The Kolabtree Blog<\/title>\n<meta name=\"description\" content=\"AI and ML are shaping the production, delivery, and utilization of financial products. 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