If artificial intelligence is implemented for the online mobile banking, can this banking segment be deprived of employing human capital altogether?
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Dear Dariusz Prokopowicz,
IMO, Not fully, AI needs meaningful information and continuous updates to be relevant as per target customers, market and domain (all dynamic factors).
How will you take care these tasks? You need a smarter human task force. We cannot expect the same job 10 years down the line. Job profile will be changed, not job creation mechanism much. AI is going to be a change agent. People with stronger inertia than AI effects may be obsolete in the market.
Any task that can be broken down into a list of steps can be handled by an AI, if not now, then soon. I don't have a comprehensive knowledge of operational positions needed to run and sustain the entire segment of online banking, so I can't say for sure which positions can't be broken down into steps. My hunch is all of them can. Thus, I predict online banking, as well as its updates, scaling, and improvements, will be fully automated, rendering human jobs in this sector obsolete. That assumes that profit is the ultimate objective. It's quite possible there will be other objectives, such as corporate image, culture, compliance to new laws & tax avoidance, etc. If any of this is the case, some human jobs will remain in that sector, but they will be a low-paid, low-labor joke. If anyone argues that AI will complement jobs, create new jobs, augment human jobs, or any of that ilk, the burden of proof is on you to explain exactly which part of that job can't be broken down into discreet steps. Spoiler alert: there are none. Everything under the sun is basically an infinite regress of atomistic steps, and technology is going to continue down that rabbit hole, x-ing out every instance of required human involvement, one by one. A state switching from human labor force to AI labor force is scary – like swapping out an organic heart for an artificial one. Scary doesn't mean it won't or can't or shouldn't happen. The whole idea of human labor is like a clogged, atrophied heart. It needs to be replaced so that all humans can do more meaningful things.
Дариуш, применение ИИ базируется на данных. Если Вы сможете обеспечить наличие, полноту и адекватность данных, то какая-то часть трудовых функций отойдет ИИ. Как недавно заявил Г. Греф (Сбербанк России) они пока несут потери от внедрения ИИ.
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