Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BL...Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BLRC, the key financial and non-financial factors are analyzed. Meanwhile, ES and Model Base (MB) which contain ANN are designed . The general framework,interaction and integration of the system are given. In addition, how the system realizes BLRC is elucidated in detail.展开更多
Banks daily interact with a vast number of customers and are still depending on a legacy system. With today’s advances in technology, regarding lifting almost all processes to automation, from start of production to ...Banks daily interact with a vast number of customers and are still depending on a legacy system. With today’s advances in technology, regarding lifting almost all processes to automation, from start of production to finish, there is a need for revolution in archaic monetary management institutes. By not being in tune with the contemporary trends and times, banks are losing on an opportunity to transform some of their business models and relieve humans of repetitive work, prevent frauds, make better decisions and consequently gain losses. Banks can engage in implementation of new Virtual Assistants and Artificial Intelligence (A.I.) machine learning technologies, just as the other industries have engaged in modernizing <i>i.e. </i> medical checks, medical reports and evaluations, and this research paper will elaborate and emphasize the impact of artificial intelligence implementation on the banking sector processes. This research is based on both quantitative and model-based proofs of system performance by using several analytical tools, such as SPSS. The automation process helps institutions to enhance profitability, performance and to reduce human dependency. In a nutshell, Virtual Assistants powered with Artificial Intelligence improve the business process performance in every sector of business, especially the banking sector making it fast, reliable and not human dependent.展开更多
Multiple customer data management has become a focus of attention in big organizations.Although much information is available,it does not translate into significant profitable value-added services.We present a design ...Multiple customer data management has become a focus of attention in big organizations.Although much information is available,it does not translate into significant profitable value-added services.We present a design of a commercial web application based on business intelligence that generates information on social and financial behavior of clients in an organization;with the purpose of obtain additional information that allows to get more profits.This app will provide a broader perspective for making strategic decisions to increase profits and reduce internal investment costs.A case in point is the financial sector,a group of financial entities were used to make measurements and test them.A design to build a web application aimed at achieving a large and ambitious goal by means of defined tools reflecting clients’business needs is proposed.In this research,different techniques and technologies are explored,such as diagrams,frameworks,design,architecture,model entity-relationship,tables,equations,mental maps and development tools.Through the Personal Software Process methodology and with the help of information extraction,consolidation,and visualization,the implementation can be carried out.This article provides the importance of implementing business intelligence in an organization and expands on the steps needed for the implementation of this valuable technology.展开更多
Artificial intelligence (AI) based technology, machine learning, and cognitive systems have played a very active role in society’s economic and technological transformation. For industrial value chains and internatio...Artificial intelligence (AI) based technology, machine learning, and cognitive systems have played a very active role in society’s economic and technological transformation. For industrial value chains and international businesses, it means that a structural change is necessary since these machines can learn and apply new information in making forecasts, processing, and interacting with people. Artificial intelligence (AI) is a science that uses powerful enough techniques, strategies, and mathematical modelling to tackle complex actual problems. Because of its inevitable progress further into the future, there have been considerable safety and ethical concerns. Creating an environment that is AI friendly for the people and vice versa might be a solution for humans and machines to discover a common set of values. In this context, the goal of this study is to investigate the emerging trends of AI (the benefits that it brings to the society), the moral challenges that come from ethical algorithms, learned or pre-set ideals, as well as address the ethical issues and malpractices of AI and AI security. This paper will address the consequences of AI in relation to investors and financial services. The article will examine the challenges and possible alternatives for resolving the potential unethical issues in finance and will propose the necessity of new AI governance mechanisms to protect the efficiency of the capital markets as well as the role of financial authority in the regulation and monitoring of the huge expansion of AI in finance.展开更多
随着人工智能技术的快速发展,自然语言处理(Natural Language Processing,NLP)技术在各个领域得到了广泛应用。文章提出一种基于NLP技术的智能培训系统中知识点与题库关联方法,该方法利用NLP技术对培训材料进行文本分析,自动提取知识点...随着人工智能技术的快速发展,自然语言处理(Natural Language Processing,NLP)技术在各个领域得到了广泛应用。文章提出一种基于NLP技术的智能培训系统中知识点与题库关联方法,该方法利用NLP技术对培训材料进行文本分析,自动提取知识点,并基于知识点和题库之间建立关联模型,实现试卷题目的自动分配。该方法能够有效提高培训系统的智能化水平,提高培训效率和质量。展开更多
基金the National Natural Science Fund of China(Approved No.79779986)
文摘Intelligent Decision Support System (IISS) for Bank Loans Risk Classification (BLRC), based on the way of integration Artificial Neural Network (ANN) and Expert System (ES), is proposed. According to the feature of BLRC, the key financial and non-financial factors are analyzed. Meanwhile, ES and Model Base (MB) which contain ANN are designed . The general framework,interaction and integration of the system are given. In addition, how the system realizes BLRC is elucidated in detail.
文摘Banks daily interact with a vast number of customers and are still depending on a legacy system. With today’s advances in technology, regarding lifting almost all processes to automation, from start of production to finish, there is a need for revolution in archaic monetary management institutes. By not being in tune with the contemporary trends and times, banks are losing on an opportunity to transform some of their business models and relieve humans of repetitive work, prevent frauds, make better decisions and consequently gain losses. Banks can engage in implementation of new Virtual Assistants and Artificial Intelligence (A.I.) machine learning technologies, just as the other industries have engaged in modernizing <i>i.e. </i> medical checks, medical reports and evaluations, and this research paper will elaborate and emphasize the impact of artificial intelligence implementation on the banking sector processes. This research is based on both quantitative and model-based proofs of system performance by using several analytical tools, such as SPSS. The automation process helps institutions to enhance profitability, performance and to reduce human dependency. In a nutshell, Virtual Assistants powered with Artificial Intelligence improve the business process performance in every sector of business, especially the banking sector making it fast, reliable and not human dependent.
基金supported by the General Research Direction of the Universidad Santiago de Cali,which financed a research project to the COMBA I+D research group.URL:https://www.usc.edu.co/。
文摘Multiple customer data management has become a focus of attention in big organizations.Although much information is available,it does not translate into significant profitable value-added services.We present a design of a commercial web application based on business intelligence that generates information on social and financial behavior of clients in an organization;with the purpose of obtain additional information that allows to get more profits.This app will provide a broader perspective for making strategic decisions to increase profits and reduce internal investment costs.A case in point is the financial sector,a group of financial entities were used to make measurements and test them.A design to build a web application aimed at achieving a large and ambitious goal by means of defined tools reflecting clients’business needs is proposed.In this research,different techniques and technologies are explored,such as diagrams,frameworks,design,architecture,model entity-relationship,tables,equations,mental maps and development tools.Through the Personal Software Process methodology and with the help of information extraction,consolidation,and visualization,the implementation can be carried out.This article provides the importance of implementing business intelligence in an organization and expands on the steps needed for the implementation of this valuable technology.
文摘Artificial intelligence (AI) based technology, machine learning, and cognitive systems have played a very active role in society’s economic and technological transformation. For industrial value chains and international businesses, it means that a structural change is necessary since these machines can learn and apply new information in making forecasts, processing, and interacting with people. Artificial intelligence (AI) is a science that uses powerful enough techniques, strategies, and mathematical modelling to tackle complex actual problems. Because of its inevitable progress further into the future, there have been considerable safety and ethical concerns. Creating an environment that is AI friendly for the people and vice versa might be a solution for humans and machines to discover a common set of values. In this context, the goal of this study is to investigate the emerging trends of AI (the benefits that it brings to the society), the moral challenges that come from ethical algorithms, learned or pre-set ideals, as well as address the ethical issues and malpractices of AI and AI security. This paper will address the consequences of AI in relation to investors and financial services. The article will examine the challenges and possible alternatives for resolving the potential unethical issues in finance and will propose the necessity of new AI governance mechanisms to protect the efficiency of the capital markets as well as the role of financial authority in the regulation and monitoring of the huge expansion of AI in finance.
文摘随着人工智能技术的快速发展,自然语言处理(Natural Language Processing,NLP)技术在各个领域得到了广泛应用。文章提出一种基于NLP技术的智能培训系统中知识点与题库关联方法,该方法利用NLP技术对培训材料进行文本分析,自动提取知识点,并基于知识点和题库之间建立关联模型,实现试卷题目的自动分配。该方法能够有效提高培训系统的智能化水平,提高培训效率和质量。
