Until virtual reality matures and digital life truly arrives, the financial industry is one of the industries that is least likely to be disrupted by artificial intelligence.
Author: Dong Yunfeng
Editor: Ye Dong
On the seventh day of the Lunar New Year, before the end of the year, I heard that the world was about to be "turned upside down" again.
This time, OpenAI once again exerted its extraordinary marketing skills, with the help of several trailers, its Wensheng ** model SORA (self-proclaimed "World Simulator") swept the whole network, and even shouted from itself, "Reality, it doesn't exist".
After scanning through various articles and reports, the mainstream opinion tends to be that SORA is more of a creative tool. In Musk's words: AI-enhanced humans will create the best.
It can be expected that SORA will have a far-reaching impact on short**, live broadcast, film and television, animation, advertising and other industries. However, as we've seen over the past year or so, it's still too early for disruption, whether it's ChatGPT or Midjourney.
Ironically, even though SORA is still in the "** stage", there are already people who make money by selling SORA tutorials. It is reminiscent of the ICO chaos a few years ago: the most profitable business is definitely cutting the leeks of fools.
Anxiety never ends, money never sleeps.
From the current point of view, how will the Wensheng ** model represented by SORA affect the banking industry?
Opportunity——
1. Reduce costs and increase efficiency: Banks can use SORA to quickly generate marketing and advertising**, improve content production efficiency, and reduce costs. Bankers should actively explore how to integrate SORA into their existing marketing strategies to improve efficiency and customer engagement.
2. Personalized service: SORA can generate customization according to the needs and preferences of customers, and bankers can use this to provide more personalized financial education and consulting services to enhance customer experience.
Challenge——
1. Data privacy and security: Banks need to ensure the security and privacy of customer data when using AI technologies such as SORA. Bankers should take appropriate security measures to protect sensitive information.
2. Authenticity and false information: SORA's ability to generate realistic ** can lead to the spread of false information. Bankers should have a strict content moderation process in place to ensure that all posted content is authentic and reliable.
On the whole, compared with the wide application prospects of ChatGPT in customer service and risk management of commercial banks, the impact of SORA on the banking industry is more limited.
Whether it's ChatGPT or SORA, it will eventually be part of the new productivity of the banking industry.
Over the years, we have heard too many subversive theories: the Internet wants to disrupt banks, P2P wants to subvert banks, blockchain wants to subvert banks, and 5G wants to subvert banks......
Iron banks, flowing technology. The development of the modern financial industry is also a history of the continuous integration of technology and finance. From the so-called bank 10 to bank 40, the bank is always there.
When talking about how new technologies are impacting finance, it is easy to underestimate the professionalism and specificity of the financial business itself. Finance is not about eating, drinking, and having fun, but about trusting as the core and managing risky business.
In the view of the new financial Langya list, before the development of virtual reality is highly mature and digital life really comes, the financial industry is one of the industries that is least likely to be disrupted by artificial intelligence.
If there is a day when even the form of human beings itself is redefined, what will not be subverted?
There are so many disruptions or revolutions in the financial sector. Otherwise, who would dare to put their net worth in the bank.
Don't underestimate the impact of technology, let alone the ability of humans to evolve.
I still remember that around 2000, computer training courses were still very popular, when China had just been connected to the Internet for a few years, and PCs were not yet widely used. Soon, when PCs entered thousands of households, few people needed to be trained.
When smartphones became mainstream and mobile Internet was on the rise, there were no so-called smartphone training classes on the street. Regardless of the elderly and children, regardless of the level of culture, they quickly accepted and adapted to the era of symbiosis with smartphones.
The Internet has subverted a lot, and the same is true of the mobile Internet, and the result is that the social economy is more developed, the living standards of human beings are higher, and from individuals to enterprises, they have generally become more powerful than before, rather than being replaced by technology.
Like, financial software has not eliminated accountants, photoshop has not eliminated photographers, online classes have not eliminated teachers, and Internet hospitals have not eliminated doctors and ......On the contrary, these people are likely to become busier than before.
The technology of one generation will become the environment of the next. After every technological revolution, human beings have always adapted naturally.
For banks, the biggest anxiety at the moment is certainly not new technology.
Can bad debts be suppressed? Can spreads be stabilized? Has the party building led to the end? Is the political and political nature of financial work done well?
At least in China, the above can determine the future and fate of a bank more than new technologies.
Anyway, looking through the history of finance at home and abroad, I haven't seen a single bank collapse because of technological change.
In the absence of the bank, it is not the turn of technology to have the final say.
Disclaimer: The main image is automatically generated by Wenxin Yiyan; A small amount of the content in the article is from Zhipu Qingyan GLM-4.