Huang Chongzhe, Dean of the Financial Research Institute.

(file photo)

There was a thunder on the ground!

After ChatGPT, a chatbot program developed by OpenAI, was launched at the end of last year, it caused a warm response from the market.

It can be expected that more types of AI services will appear one after another in the future, which will not only affect people's understanding of computer application models, but may even cause people to rethink: when computers are smarter than humans, what is the value and value of humans? significance?

As Huang Renxun, the founder of Huida, said, the emergence of ChatGPT is like the arrival of the iPhone in the AI ​​​​world.

In the past, despite the invention of the Internet, due to the complexity of the interface, not everyone was able to skillfully use Email, MSN, etc. as daily messaging tools. Until the advent of the iPhone, the threshold for using the Internet was simplified, making LINE a The most important communication tool.

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Similarly, in the past, strong programming skills were required to achieve AI calculation results based on big data and deep learning.

However, with the emergence of ChatGPT, demanders no longer need to learn programming, and can use spoken language to command the use of AI, thereby lowering the threshold for using AI.

For example, the sweeping robot, which was already very powerful in the past, can recognize objects and plan routes, but now, chatGPT-like dialogue generation AI services appear, allowing you to tell it to help you find the keys while sweeping the floor, completely no longer Need to learn complex programming instructions.

This is a very important step for the way humans use computers, marking that the era of weak AI has entered a step of strong AI.

Weak AI, also known as specific AI, refers to those AIs that perform as well as or even better than humans in specific fields, such as playing Go, cleaning automatically, and possessing rich medical knowledge.

It's just that the Go AI that beat the world champion is independent from most other AIs, and has a rather limited impact on most people's lives.

Now, with the emergence of ChatGPT, the sweeping robot has the opportunity to transform into a key finder, and the medical AI can transform into a spoken word to remind the little angel of taking medicine. This little angel also has super knowledge of pharmacy and understands the relationship between patients' lunch and medicine , so that the service experience of AI can be completely new.

That is to say, when these weak AIs are linked into strong AIs, the AIs will be able to perform more diverse tasks and have better thinking and judgment abilities, truly opening up a whole new world.

Once such a wave of strong AI popularizes finance, financial practitioners will face a huge employment impact.

Just like the epidemic has driven online financial services, it has greatly reduced the demand for counter financial personnel.

In the future, users will no longer need any learning threshold, and can start a dialogue with the financial AI service in spoken language, and can ask how it raises housing funds?

How to plan for retirement?

You can even ask it to find the funds and stocks that are most suitable for your risk preference, and you don't have to ask the financial specialist to charge service fees when you place an order.

At that time, how many jobs in the financial industry will be in jeopardy?

How should these financial personnel who originally relied on school education, workplace training, and Internet knowledge meet the next wave of challenges when faced with financial AI with professional knowledge and supercomputing capabilities?

In response to this point, the different translations of AI on both sides of the strait have given some clues.

If you can properly master the key application skills and open up new business opportunities, then AI will be your "artificial intelligence" helper. It will combine computing power and large database to strengthen your professional ability and plan for customers and your own life. better future.

On the contrary, if you just wait and see, watching the rapidly evolving AI repeatedly calculate the old and bring forth the new, then AI will be the "artificial intelligence" that you cannot escape, helping you calculate every second and every moment of life, and make your life decisions It's just the answer to the calculus in its database.

Think about it, when horses and cars surpass the running speed of people, what people need is to learn how to tame the horses, and to get a driver's license, so that the new means of transportation can perform its intended functions.

As for making AI your "artificial intelligence" or "artificial intelligence"?

It depends on our mentality and preparation.

(This article is excerpted from "Taiwan Banker" magazine, author: Huang Chongzhe, Dean of the Financial Research Institute)

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