Kafukufuku Watsopano wa Harvard Akuwonetsa AI Itha Kulowa M'malo Ambiri Oyang'anira Fund

The Algorithm in the Corner Office: AI Ikuposa Oyang'anira Fund ya Anthu

Kwa zaka makumi ambiri, makampani a mutual fund agulitsa lonjezo lonyengerera: perekani ndalama zanu kwa katswiri wofufuza zaumunthu, munthu amene watha zaka 20 akuwerenga mapepala owerengera ndalama, akukhala ndi mafoni a ndalama, ndikukhala ndi malingaliro abwino a msika - ndipo iwo adzapambana msika. Lonjezo limenelo lakhala losalimba. Tsopano, kafukufuku wodziwika bwino kuchokera ku Harvard Business School akuwopseza kusokoneza kwathunthu. Ofufuza adapeza kuti nzeru zopangapanga zimatha kuneneratu71% ya malonda a ndalama zogwirizanitsandi kulondola kodabwitsa, kudzutsa funso lomwe likanawoneka ngati losamveka zaka zisanu zapitazo: ngati makina amatha kuyembekezera zomwe woyang'anira thumba adzachita asanachite, kodi kwenikweni amalonda akulipira chiyani?

Zotsatira zake zikupitilira Wall Street. Iyi ndi nkhani yokhudza zomwe zimachitika pamene kuzindikira kwapateni - luso lozindikira la katswiri aliyense - limakhala chinthu chofunikira. Ndipo ndi nkhani yomwe mtsogoleri aliyense wabizinesi, osati akatswiri azachuma okha, ayenera kumvetsetsa pompano.

Zomwe Kafukufuku wa Harvard Anapezadi

Kafukufuku wa ku Harvard adaphunzitsa makina ophunzirira pazaka zambiri za mbiri yakale, kuwululidwa kwa ndalama, ndi zizindikiro zamsika. Zitsanzozi sizinangozindikiritsa zochitika zamagulu; iwo anali kulosera za zisankho zachindunji za oyang'anira thumba lililonse - zomwe angagule, zomwe adzachepetse, ndi liti. Mlingo wolosera wolosera wa 71% m'malo ovuta komanso aphokoso monga momwe kasamalidwe kambiri kamagwira ntchito ndi wodabwitsa. Pankhani, chitsanzo cholosera kutembenuka kwa ndalama kungakhale kolondola 50% ya nthawiyo mwamwayi wokha.

Chomwe chimapangitsa kuti kafukufukuyu awonekere kwambiri ndikuti amawulula zomwe mamenejala ambiri omwe amalipidwa kwambiri amachita. M'malo mopereka kuzindikira kwatsopano, gawo lalikulu la kasamalidwe kogwira ntchito likuwoneka ngati machitidwe oyendetsedwa ndi machitidwe - kuyankha zomwe zimadabwitsa zomwe amapeza, zizindikiro zofananira, zizindikiro zazikulu zofanana m'njira zodziwikiratu. AI sanafunikire kumvetsetsachifukwamtsogoleri angapange malonda. Linangophunzira kuzindikira mikhalidwe imene iwo anachitiramo modalirika.

Izi zikugwirizana ndi kafukufuku wakale. Lipoti la 2022 la S&P Dow Jones Indices lidapeza kuti pazaka 20,oposa 94% ya oyang'anira thumba lalikulu la US omwe amagwira ntchito kwambiri adachita mocheperachilolezo chawo. Zomwe apeza ku Harvard akuwonjezera gawo latsopano: sikuti mamanenjala ambiri omwe akugwira ntchito amalephera kupambana pamsika, zisankho zawo zitha kukhala zamakina kuti algorithm itengere - pamtengo wochepa.

Chifukwa chiyani 71% Predictability Ndi Vuto Labizinesi, Osati Vuto Lazachuma

Akatswiri azachuma atha kukopeka kuti atenge izi ngati vuto lenileni lamakampani. Iwo angakhale akulakwitsa. Kafukufuku wa Harvard ndi malo opangira ma data munjira yokulirapo: Makina a AI akuchulukirachulukira okhoza kutengera kuweruza kwa akatswiri mu domeni iliyonse pomwe zosankha zimatsata malamulo ophunzirira, ngakhale malamulowo sanalembedwe mwatsatanetsatane paliponse.

Ganizirani zomwe zikufanana kasamalidwe ka thumba ndi kasamalidwe kabwino ka bizinesi. Zonsezi zimaphatikizapo kusonkhanitsa zidziwitso, kuzindikira njira, kugwiritsa ntchito ma heuristics opangidwa ndi zochitika, ndikupanga zisankho mosatsimikizika. Ngati AI ingatsanzire njira yopangira zisankho za woyang'anira thumba mwa 71% molondola, ikhoza kutengera gawo lalikulu la zisankho zopangidwa ndi oyang'anira ntchito, otsogolera a HR, atsogoleri amalonda, ndi openda mabizinesi - anthu omwe ukatswiri wawo umakhazikikanso pakuzindikira ndi kuyankha pamachitidwe.

"Chiwopsezo cha ogwira ntchito zachidziwitso sikuti AI idzalowa m'malo mwa chiweruzo chaumunthu kwathunthu - ndikuti AI idzalowa m'malo mwa zigawo za chiweruzo chaumunthu zomwe zimangofanana ndi chitsanzo. Ndipo izi zimakhala gawo lalikulu modabwitsa."

Izi sizikutanthauza kuti ukatswiri wa anthu umakhala wopanda pake. Zimatanthawuza kutichirengedwechachidziwitso chamtengo wapatali chikusuntha. Oyang'anira thumba omwe adzapulumuke ndikuchita bwino ndi omwe amachita zomwe AI sangathe kubwereza mosavuta: pangani zidziwitso zenizeni, pangani maubwenzi omwe amapangitsa kuti zidziwitso ziziyenda bwino, komanso kuchita zinthu mwanzeru muzochitika zomwe zilibe mbiri yakale. Mfundo zomwezi zikugwiranso ntchito ku domeni iliyonse yomwe ikukonzedwanso ndi makina anzeru.

Kusokonekera kwa AI kwa Ma Industries Watching Finance kufupi kwambiri

Makampani a mutual fund ali ngati canary mu mgodi wa malasha wa white-collar automation. Ili ndi zambiri, ili ndi machitidwe omveka bwino, ndipo yakhala ikukakamizidwa ndi ndalama zachilolezo kwa zaka zambiri - ndikupangitsa kuti ivomereze kutengera AI. Makampani ena akuyang'anitsitsa.

Pazaumoyo, makina ozindikira matenda a AI monga Google's DeepMind awonetsa kuthekera kozindikira matenda ena amaso ndi khansa mofananiza kapena kupitilira madotolo apadera. Mwalamulo, zida zomangidwa pamawonekedwe akulu azilankhulo zikugwira ntchito zowunikiranso makontrakitala zomwe m'mbuyomu zimafunikira kuti azigwira ntchito usiku wonse. Pakuwerengera ndalama ndi kukonza zachuma, nsanja zoyendetsedwa ndi AI zikungoyesa kusanthula kwamitundu yosiyanasiyana, kuneneratu za kayendedwe ka ndalama, ndi kuzindikira molakwika komwe kumafuna nthawi ya akatswiri akuluakulu.

Zomwe zimadziwika bwino sikuti AI ndi yanzeru kuposa akatswiri m'magawo awa. Ndikuti AI ndiyosatopa, yosasinthasintha, komanso yotsika mtengo kwambiri pakukulitsa. Woyang'anira thumba la anthu atha kuwononga ndalama zokwana $500,000 pachaka pamalipiro, mapindu, ndi ndalama zambiri. Dongosolo la AI lomwe limatha kulosera 71% ya malonda a manejala ameneyo amayenda pang'onopang'ono mtengo wake - ndipo safuna bonasi, sabata, kapena ndondomeko yotsatizana.

Zomwe Zimapulumuka pa Algorithm: Tanthauzo Latsopano la Mtengo Wamunthu

Kuyankha mwachibadwa ku kafukufuku ngati uwu ndi chitetezo: kunena kuti chiweruzo chaumunthu sichingalowe m'malo, kuti AI sangathe kumvetsa bwino nkhani, kuti nthawi zonse padzakhala ntchito kwa akatswiri odziwa zambiri. Zina mwa izo ndi zoona. Koma kuyankha kopindulitsa kwambiri ndikumvetsetsa bwino lomwe mbali za ukatswiri wa anthu zomwe zimakhala zovuta kuzipanga zokha.

Kutengera momwe AI alili, maluso otsatirawa amaoneka olimba kwambiri:

• Chikhulupiriro chochokera paubwenzi: Makasitomala ndi okhudzidwa nthawi zonse amapanga zisankho motengera omwe amawakhulupirira, osati zomwe amalandira. Chikhulupiriro chimamangika chifukwa cha kuyanjana kwa anthu kosalekeza ndi kuwonetsa zokonda - osati zotulukapo mwadongosolo.
• Chiweruzo choyenera ndi chowongolera: Kuyenda nthawi zomwe malamulo sakumveka bwino, mikangano ya zofuna za omwe akukhudzidwa, kapena nkhani zatsopano zomwe zimafunikira malingaliro abwino zimafunikirabe kuti anthu aziyankha mlandu.
• Kupanga kaphatikizidwe: Kuphatikiza zidziwitso zochokera kumadera osiyanasiyana - powona kuti machitidwe a ogula amalumikizana ndi chiwopsezo cha chain chain chikugwirizana ndi malamulo omwe akubwera - kumafuna mtundu wa kuganiza kophatikizana kwa AI kumagwira mochepera kuposa kuzindikira mawonekedwe.
• Kulankhulana ndi anthu okhudzidwa: Kumasulira kusanthula kovuta kukhala nkhani zomwe zimalimbikitsa kuchitapo kanthu - kukopa gulu, kukhazika mtima pansi kasitomala yemwe ali ndi nkhawa, kulimbikitsa gulu - ndizovuta kwambiri kulumikizana ndi anthu.
• Kuyang'anira zachilendo zenizeni: Zinthu zikachitika popanda mbiri yakale (mliri wapadziko lonse lapansi, kugwedezeka kwadziko, ukadaulo wosinthira paradigm), kusinthika kwamunthu ndi luso limakhala lofunikira m'malo mowonjezera.

Oyang'anira thumba omwe adazolowera kale izi sakuyesera kupikisana ndi ma aligorivimu pa liwiro la kusankha masheya kapena kuchuluka kwa data. Akudziyika okha ngati okonza mapulani, oyang'anira ubale wamakasitomala, ndi oyang'anira njira zovuta zowopsa - maudindo omwe amafunikira kukhalapo kwa anthu ndi kuyankha, osati luso lofananiza mapeni.

Momwe Mabungwe Oyang'ana Patsogolo Akuyankhira

Kuyankha mwanzeru kwambiri pakusokoneza kwa AI sikukana kapena kuchita mantha - ndikophatikiza. Mabungwe omwe adzachita bwino kwambiri m'zaka khumi zikubwerazi ndi omwe amagwiritsa ntchito AI kuti athetse ntchito yofananira ndi mtengo wotsika pomwe akutumizanso luso la anthu kuzinthu zomwe zimakhala zovuta kuzipanga zokha.

Pochita izi, izi zikutanthauza kumanga zida zogwirira ntchito zomwe zimapatsa anthu mwayi wopeza nzeru zopangidwa ndi AI popanda kuwafunsa kuti akhale asayansi a data okha. Wotsogolera malonda akuyenera kuwona kuwongolera koyendetsedwa ndi AI motsatira zochitika za CRM popanda kusuntha pakati pa nsanja zisanu. Woyang'anira HR akuyenera kuwonetsa zidziwitso zachiwopsezo kuchokera ku data ya ogwira ntchito popanda kupanga pamanja ma dashboard. Wogwiritsa ntchito zachuma azitha kuyendetsa zolosera za momwe ndalama zikuyendera popanda gulu lodzipereka.

Izi ndi ndendende nzeru zomwe zili kumbuyo kwa nsanja monga Mewayz, zomwe zimagwirizanitsa ma modules oyendetsa bizinesi a 200 - kutengera CRM, invoicing, HR, payroll, analytics, kasamalidwe ka zombo, ndi zina zambiri - kukhala malo amodzi ogwirira ntchito. Zidziwitso zoyendetsedwa ndi AI zikapezeka papulatifomu yomwe zisankho zimachitidwa, m'malo mobisala mu chida china, malingaliro apakati pa luntha ndi zochita amalimba kwambiri. Kwa mabizinesi a 138,000 omwe amagwiritsa ntchito Mewayz padziko lonse lapansi, kuphatikiza kumeneko sikuli kofuna mtsogolo; ndizochitika zomwe zikuchitika pano.

Mtengo Wodikirira: Momwe Kusachita Kumawonekera Pazaka Zisanu

Pali chizolowezi m'mafakitale okhazikitsidwa kuti azitha kuwona kusokonezeka kwa AI ngati mafunde oyenda pang'onopang'ono - chinthu choyang'anira patali momasuka ndikupitilira bizinesi monga mwanthawi zonse. Kafukufuku wa Harvard fund management ndi chikumbutso kuti mafunde amatha kuyenda mwachangu kuposa momwe omwe ali ndi udindo amayembekezera. Makampani a mutual fund adakhala zaka zambiri akunyalanyaza ndalama zongoyang'anira ngati chinthu chambiri kwa osunga ndalama osakhazikika. Pofika mchaka cha 2023, ndalama zomwe sizinagwire ntchito zinali zitaposa ndalama zonse zomwe zimayang'aniridwa ku United States kwa nthawi yoyamba m'mbiri.

Mabizinesi ndi akatswiri omwe ali pachiwopsezo chachikulu cha kusokonezeka kwa AI si omwe ali m'magawo aukadaulo - ndi omwe adapanga mpikisano wawo pakupeza chidziwitso chokhacho kapena kuthekera kokonza ndikutanthauzira deta mwachangu kuposa omwe akupikisana nawo. Ubwino wonsewo umatha msanga AI ikalowa pachithunzichi. Ubwino wachidziwitso chokhacho umasowa pomwe AI imatha kupanga zidziwitso za anthu pamlingo waukulu. Ubwino wokonza umasowa pomwe AI imatha kusanthula m'masekondi omwe adatenga milungu ingapo.

Zomwe sizikuwononga - ndipo zimakhala zofunikira kwambiri - ndikutha kufunsa mafunso abwino, kumanga maubwenzi enieni, ndikugwira ntchito mkati mwa machitidwe ophatikizika omwe amamasulira kuzindikira kuphedwa popanda kukangana. Mabungwe omwe akupanga ndalama zamtunduwu masiku ano samangokonzekera kusokonezeka kwa AI. Akupanga njira yoyendetsera ntchito yomwe idzafotokozere momwe bizinesi ikuyendera m'badwo wotsatira.

Phunziro lenileni kuchokera ku Wall Street's AI Reckoning

Kafukufuku wa ku Harvard atulutsa mitu yokhudza maloboti omwe alowa m'malo mwa oyang'anira thumba, ndipo mitu yankhaniyo nthawi zambiri iphonya mfundo. Chofunikira kwambiri sikuti AI ikhoza kubwereza zisankho za akatswiri - ndikuti chinthu chokwera mtengo kwambiri pazosankha za akatswiri chidakhala magawo omwe makina amatha kugwira motchipa. Kuzindikira kumeneko kumasintha chuma cha ukatswiri pamakampani onse, osati azachuma okha.

Akatswiri ndi mabungwe omwe adzapambane ndi omwe amavomereza chowonadi ichi osapuwala nazo. Adzakonzanso maudindo awo mozungulira zinthu zenizeni zaumunthu - kudalira, ukadaulo, kuweruza mwamakhalidwe, luntha la ubale - pomwe akukumbatira AI ngati injini yomwe imayang'anira kuzindikira kwapatani, kaphatikizidwe ka data, ndi kulosera kwanthawi zonse. Adzayika ndalama m'mapulatifomu ophatikizika omwe amapangitsa luntha lopangidwa ndi AI kuti lizigwira ntchito nthawi yomweyo, m'malo mozitenga ngati chowonjezera pamayendedwe omwe alipo.

Mutual fund managers amene apulumuke zaka khumi zikubwerazi sadzakhala amene amanyalanyaza ndondomekoyi. Adzakhala omwe amaphunzira kugwira ntchito pambali pake - kugwiritsa ntchito AI kuthana ndi 71% yodziwikiratu kuti athe kuyang'ana kwathunthu pa 29% yosayembekezereka pomwe chiweruzo chaumunthu chimapangabe kusiyana konse. Masamu omwewo akugwiranso ntchito kwa mtsogoleri aliyense wamabizinesi omwe akuyenda pakusintha kwa AI pompano. Funso siliri kuti tizolowerane. Funso ndilakuti mungayambire mwachangu bwanji.

Mafunso Ofunsidwa Kawirikawiri

Kodi AI ingaloseredi malonda a mutual fund kuposa oyang'anira anthu odziwa zambiri?

Malinga ndi kafukufuku wa Harvard Business School, mitundu ya AI imatha kulosera pafupifupi 71% ya malonda omwe agulitsa ndalama zonse molondola kwambiri. Makinawa amasanthula ma dataset ambiri - ma sheet owerengera, mafoni olandila, ma signature achuma - mwachangu kwambiri kuposa wowunika aliyense. Ngakhale izi sizikutsimikizira kubweza kwabwino mumsika uliwonse, zikuwonetsa mwamphamvu kuti AI ili ndi malire oyezeka, okhazikika pa kasamalidwe ka ndalama zachikhalidwe pakuzindikirika kwapateni ndi kusasinthika kwazisankho.

Kodi izi zikutanthawuza chiyani kwa osunga ndalama tsiku ndi tsiku omwe amaika ndalama muzinthu zomwe zimayendetsedwa mwachangu?

Zimadzutsa mafunso okhudza ngati ndalama zolipiridwa ndi oyang'anira thumba ogwira ntchito ndizoyenera. Ngati AI ingathe kubwereza ndi kupititsa patsogolo njira zawo, osunga ndalama amatha kuthandizidwa bwino ndi magalimoto oyendetsedwa ndi algorithm kapena osagwira ntchito. Kusinthaku kukuwonetsanso kufunikira kogwiritsa ntchito zida zanzeru zamabizinesi ndi zachuma kuti muzitha kuyendetsa bwino likulu lanu, m'malo modalira anthu omwe akuyimira omwe akucheperachepera.

Kodi eni mabizinesi ang'onoang'ono ndi mabizinesi angagwiritse ntchito bwanji AI kupanga zisankho zanzeru zachuma?

Mapulatifomu ngati Mewayz - makina ogwiritsira ntchito ma module 207 omwe akupezeka pa app.mewayz.com kwa $19 / mwezi - amapatsa amalonda mwayi wogwiritsa ntchito zida zoyendetsedwa ndi AI zomwe poyamba zinkangopezeka mabizinesi akuluakulu okha. M'malo mopereka chigamulo chazachuma kwa alangizi okwera mtengo, eni mabizinesi atha kugwiritsa ntchito ma analytics ophatikizika kuti awone momwe ndalama zikuyendera, zochitika zachitsanzo, ndikupanga zisankho zochirikizidwa ndi data mokhazikika momwemonso zomwe zikusokoneza bizinesi yoyang'anira thumba la Wall Street.

Kodi pali malire pazomwe AI ingachite pamisika yazachuma?

Inde. AI imapambana pakuzindikiritsa mbiri yakale ndikukonza zomwe zidachitika, koma imatha kulimbana ndi zochitika zakuda zakuda zomwe sizinachitikepo, kugwedezeka kwapadziko lapansi, kapena kusintha koyendetsedwa ndi psychology ya anthu komwe sikuli kunja kwa maphunziro ake. Oyang'anira anthu amabweretsabe kuweruza, kulingalira bwino, ndi kulingalira kosinthika panthawi yakusamuka kwakukulu kwa msika. Zotsatira zomwe zatsala pang'ono kutha ndi mtundu wosakanizidwa, pomwe AI imayang'anira kusanthula pomwe anthu amayang'anira zisankho zazikulu.