Muri iki gihe, aho amakuru afatwa nk'amavuta mashya y'ubukungu bw'ikoranabuhanga, ibigo by'imari ku isi yose birimo kwihutisha impinduka mu ikoranabuhanga bishingiye ku ikoranabuhanga rigezweho (AI). Muri Brezili, iri terambere ryarushijeho gukomera cyane cyane nyuma y'icyorezo, aho ishoramari mu ikoranabuhanga rya AI mu rwego rw'imari ryiyongereyeho hafi 42% hagati ya 2021 na 2023, nk'uko ubushakashatsi bwakozwe na Febraban bubigaragaza. Iri terambere rikomeye rifite ishingiro: ubushobozi bwo gutunganya no gukuramo ubumenyi mu makuru menshi bwabaye inyungu ikomeye mu irushanwa mu isoko rikomeje kwiyongera kandi risaba imbaraga nyinshi.
Impinduramatwara mu bijyanye n’ikoranabuhanga rya AI mu rwego rw’amabanki irimo kwigaragaza mu mpande nyinshi, kuva ku kunoza inzira z’imbere kugeza ku kuvugurura burundu ubunararibonye bw’abakiriya. Amabanki akomeye yo muri Brezili yashoye imari mu bijyanye no kwigisha mu buryo buhanitse (LLMs) kugira ngo anonosore serivisi zihabwa abakiriya, bigatuma abakoresha barushaho kwitabira vuba kandi bakanyurwa. Ku rwego mpuzamahanga, ibigo byatangaje ishoramari rya miliyari y’amadolari mu ikoranabuhanga rya AI mu myaka yashize, nk’uko byagaragajwe muri raporo z’abashoramari n’ibyatangajwe n’inzego z’ubuyobozi, bigaragaza imiterere y’iyi gahunda mu gihe kizaza cy’uru rwego.
Gukoresha uburyo bwihariye bwo kwiga indimi (SLMs), bwahuguwe hifashishijwe amakuru yihariye y’ibigo, byatumye habaho iterambere ritangaje mu gutahura uburiganya no gusesengura ingaruka z’inguzanyo. Isosiyete y’imari yo muri Brezili yagaragaje mu itumanaho ryayo uburyo ikoreshwa rya sisitemu zigezweho zo gusesengura amakuru ryagize uruhare mu kugabanya igihombo giterwa n’uburiganya. Iki kibazo kigaragaza uburyo ubuhanga bwo gukora imibonano mpuzabitsina (AI) butanoza gusa imikorere myiza ahubwo bunagira uruhare rutaziguye mu kubungabunga imari no mu buryo burambye bw’imari y’ibigo.
Gushyira imbere inyungu z’amafaranga mu buryo bwihariye ni cyo kintu kigaragara cyane muri iyi mpinduramatwara ku muguzi wa nyuma. Ubushakashatsi bwagaragaje ko amabanki ashyira mu bikorwa ingamba zo kwamamaza zishingiye ku buhanga bwa siyansi (AI) ashobora kongera igipimo cy’abaguzi kugeza kuri 25% no kunyurwa n’abakiriya ku kigero cya 20%. Muri Brezili, banki izwi cyane ikora ibijyanye n’ikoranabuhanga yatangaje ko yiyongereyeho 31% mu gukoresha ibicuruzwa by’imari nyuma yo gushyira mu bikorwa inama zishingiye ku buryo bw’iteganyagihe zisesengura imyitwarire y’imari y’abafite konti barenga miliyoni 25, bigaragaza ubushobozi bw’ikoranabuhanga mu guhindura imikorere iyo bukoreshejwe icyerekezo cy’ingamba.
Uburyo bwo guhanura ikoranabuhanga rya "AI" nabwo bwahinduye imicungire y'ishoramari n'isesengura ry'isoko. Ibigo binini bicunga imitungo byagiye bitangaza muri raporo zabyo z'umwaka iterambere mu ikoreshwa rya "algorithms" zigezweho mu kumenya imiterere n'amahirwe y'ishoramari yashoboraga guhunga isesengura risanzwe ry'abantu. Mu isoko rya Brezili, ibigo bishora imari byanogeje uburyo bwabyo bwo guhanura bushingiye ku kwiga imashini (ML), biha abakiriya inama zijyanye n'ingaruka zabo. Ubu bushobozi bwo guhanura ntibugirira akamaro ibigo gusa ahubwo bunagirira akamaro abakiriya babo, bahabwa ubuyobozi bw'ishoramari buhamye.
Impinduka mu ikoranabuhanga rishingiye ku buhanga bwa AI ntabwo ibura imbogamizi, cyane cyane ku bijyanye n'ubuzima bwite bw'amakuru no gusobanura neza uburyo algorithms zikoreshwa. Ubushakashatsi bwagaragaje ko 73% by'abaguzi bo muri Brezili bahangayikishijwe n'uburyo amakuru yabo y'imari akoreshwa na sisitemu zikoresha ikoranabuhanga, nubwo 64% by'ababajijwe bamwe bemera inyungu zifatika zo guhindura ikoranabuhanga rishingiye ku buhanga bwa AI. Iki kibazo kigaragaza uburinganire buto ibigo by'imari bigomba kugira hagati y'udushya mu ikoranabuhanga n'icyizere cy'abaguzi, ikibazo cyatumye habaho iterambere ry'uburyo "busobanutse bwa AI" butuma habaho ubwisanzure mu byemezo byikora.
Guteza imbere abakozi ni ikindi gice cy'ingenzi muri iyi mpinduramatwara. Bitandukanye n'ubwoba bwa mbere bwo gusimbuza abantu benshi, isesengura ry'isoko ry'umurimo nk'iryo ryakozwe n'Ihuriro ry'Ubukungu ku Isi ryerekana ko ishyirwa mu bikorwa rya AI mu rwego rw'amabanki ryatumye habaho ivugurura ry'imirimo y'umwuga, hamwe n'amahirwe mashya agaragara mu nzego nka siyansi y'amakuru, ubwubatsi bwa AI, n'amahame ngengamikorere y'ikoranabuhanga. Mu mabanki menshi yo muri Brezili, ishyirwa mu bikorwa ry'abafasha b'abakozi ba AI bashingiye kuri interineti ryagabanyije umubare w'imirimo isubirwamo y'ubuyobozi, bituma abakozi bibanda ku bikorwa byongerewe agaciro nko kugirana inama ku micungire y'imari no guteza imbere umubano n'abakiriya b'ingamba.
Ahazaza h'urwego rw'amabanki nta gushidikanya ko hazashingira ku iterambere rihoraho ry'ikoranabuhanga rya AI. Ibigereranyo bigaragaza ko mu 2027, hafi 80% by'imikoranire y'amabanki izaba ihari nta bikorwa by'abantu bitaziguye. Muri Brezili, hamwe no guhuzwa kwa Open Finance no kwiyongera kw'ikoranabuhanga mu by'imari, ishoramari mu bisubizo bya AI mu rwego rw'imari biteganijwe ko rizakomeza kuzamuka. Inzego zizashobora kuringaniza imbaraga z'amakuru n'icyizere cy'abaguzi, imikorere myiza hamwe n'ubushishozi bw'abantu, n'udushya mu ikoranabuhanga hamwe n'inshingano z'amahame zizarushaho gutera imbere muri iki gishushanyo gishya aho amakuru atatanga amakuru gusa ahubwo agena neza ahazaza h'ubucuruzi bw'amabanki.
Muri make, ubuhanga bwo gukora imibonano mpuzabitsina (AI) ntibusimbura abantu: butuma bashobora gufata ibyemezo, bukihutisha gusuzuma indwara, kandi bugateza imbere ingendo z’abakiriya zijyanye n’ibyo bakeneye. Mu bihe by’irushanwa rikomeye no kwiyongera kw’ibyitezwe, amakuru ni yo azagena umukino.
