> 摘自文章： Banking Gets More Personal With AI | WIRED
【原文摘要】
AI is a key driver of change in the financial services sector, central to the second wave of the fintech revolution—following the first wave focused on smartphone transactions and digital trading platforms. It enables firms to deliver the personalized service consumers demand by analyzing massive datasets to identify behavior patterns, aligning provider offerings with customer needs.
IBM is at the forefront of integrating AI into finance, as noted by UK Banking and Fintech Industry Leader Michael Conway. He compares AI-enhanced personalization to the pre-digital era, where local merchants knew customers' needs, explaining that while exact replication isn't possible, consenting customers can get digitally tailored experiences that fit today's fast-paced lifestyle. For example, AI can advise a customer expecting twins on saving for the upcoming life event, boosting customer loyalty by making services more relevant.
Sebastian Weir, IBM's AI, Analytics and Automation Services Leader, stresses that credible fintech players must embrace AI, but deployment must respect traditional banking brand heritage, consumer privacy, and regulatory compliance. He highlights the balance between leveraging AI as a capability and using it to challenge and improve bank operations.
Beyond customer-facing benefits, AI breaks down financial literacy barriers by explaining complex products like pensions and investments in simple terms. It also streamlines processes: assisting with loan applications, verifying documents, running credit checks, and flagging compliance issues, with adaptive new AI models able to make real-time decisions under regulatory and human oversight.
Internally, AI transforms financial firms' operations. Virtual assistants support call centers, with IBM consulting staff to refine AI applications based on client needs. This shifts employees from routine tasks to strategic roles as "AI builders," enhancing job satisfaction.
【译文摘要】
人工智能是金融服务行业变革的关键驱动力，也是金融科技革命第二波浪潮的核心——第一波浪潮的重点是智能手机交易和数字交易平台。它通过分析海量数据集来识别行为模式，使服务商的产品与客户需求相匹配，从而让企业能够提供消费者所要求的个性化服务。
正如英国银行与金融科技行业领袖迈克尔·康威所言，IBM正处于将人工智能融入金融领域的前沿。他将人工智能赋能的个性化服务与前数字化时代相比，那个时代当地商人了解客户的需求，他解释道，虽然完全复刻那样的模式不可能，但同意授权的客户可以获得符合当今快节奏生活方式的数字化定制体验。例如，人工智能可以为即将迎来双胞胎的客户提供为这一人生大事储蓄的建议，通过提升服务的贴合度来增强客户忠诚度。
IBM人工智能、分析与自动化服务主管塞巴斯蒂安·韦尔强调，可靠的金融科技企业必须接纳人工智能，但在部署过程中必须尊重传统银行的品牌传承、消费者隐私以及监管合规要求。他着重指出了既要利用人工智能作为一项能力，又要用它来挑战和优化银行运营之间的平衡。
除了面向客户的诸多益处，人工智能还能用通俗易懂的语言解释养老金、投资等复杂金融产品，打破金融知识普及的壁垒。它还能简化流程：协助处理贷款申请、验证文件、进行信用审核以及标记合规问题，新型的自适应人工智能模型能够在监管和人工监督下做出实时决策。
在企业内部，人工智能正在改变金融公司的运营模式。虚拟助手为呼叫中心提供支持，IBM的咨询人员会根据客户需求优化人工智能应用。这将员工从日常事务性工作转移到“人工智能构建者”的战略岗位上，提升了工作满意度。
【单词表】
- sector /ˈsektə(r)/ 行业，部门
- fintech /ˈfɪntek/ 金融科技
- transaction /trænˈzækʃn/ 交易，业务
- massive /ˈmæsɪv/ 大量的，巨大的
- dataset /ˈdeɪtəset/ 数据集
- align /əˈlaɪn/ 使一致，使匹配
- forefront /ˈfɔːfrʌnt/ 前沿，最前列
- integrate /ˈɪntɪɡreɪt/ 使融入，使整合
- enhance /ɪnˈhɑːns/ 增强，提升
- replication /ˌreplɪˈkeɪʃn/ 复制，复刻
- consent /kənˈsent/ 同意，准许
- fast-paced /ˌfɑːst ˈpeɪst/ 快节奏的
- loyalty /ˈlɔɪəlti/ 忠诚，忠心
- credible /ˈkredəbl/ 可信的，可靠的
- embrace /ɪmˈbreɪs/ 欣然接受，采纳
- deployment /dɪˈplɔɪmənt/ 部署，运用
- heritage /ˈherɪtɪdʒ/ 遗产，传承
- regulatory /ˈreɡjələtəri/ 监管的，管理的
- compliance /kəmˈplaɪəns/ 合规，遵守
- leverage /ˈliːvərɪdʒ/ 利用，发挥
- literacy /ˈlɪtərəsi/ 素养，能力
- pension /ˈpenʃn/ 养老金，退休金
- streamline /ˈstriːmlaɪn/ 简化，使效率更高
- verify /ˈverɪfaɪ/ 验证，核实
- adaptive /əˈdæptɪv/ 适应的，有适应性的
- oversight /ˈəʊvəsaɪt/ 监督，监管
- refine /rɪˈfaɪn/ 改进，优化
- strategic /strəˈtiːdʒɪk/ 战略的，策略性的
【句子翻译】
- AI is a key driver of change in the financial services sector, central to the second wave of the fintech revolution—following the first wave focused on smartphone transactions and digital trading platforms. 人工智能是金融服务行业变革的关键驱动力，也是金融科技革命第二波浪潮的核心——第一波浪潮的重点是智能手机交易和数字交易平台。
- It enables firms to deliver the personalized service consumers demand by analyzing massive datasets to identify behavior patterns, aligning provider offerings with customer needs. 它通过分析海量数据集来识别行为模式，使服务商的产品与客户需求相匹配，从而让企业能够提供消费者所要求的个性化服务。
- IBM is at the forefront of integrating AI into finance, as noted by UK Banking and Fintech Industry Leader Michael Conway. 正如英国银行与金融科技行业领袖迈克尔·康威所言，IBM正处于将人工智能融入金融领域的前沿。
- He compares AI-enhanced personalization to the pre-digital era, where local merchants knew customers' needs, explaining that while exact replication isn't possible, consenting customers can get digitally tailored experiences that fit today's fast-paced lifestyle. 他将人工智能赋能的个性化服务与前数字化时代相比，那个时代当地商人了解客户的需求，他解释道，虽然完全复刻那样的模式不可能，但同意授权的客户可以获得符合当今快节奏生活方式的数字化定制体验。
- For example, AI can advise a customer expecting twins on saving for the upcoming life event, boosting customer loyalty by making services more relevant. 例如，人工智能可以为即将迎来双胞胎的客户提供为这一人生大事储蓄的建议，通过提升服务的贴合度来增强客户忠诚度。
- Sebastian Weir, IBM's AI, Analytics and Automation Services Leader, stresses that credible fintech players must embrace AI, but deployment must respect traditional banking brand heritage, consumer privacy, and regulatory compliance. IBM人工智能、分析与自动化服务主管塞巴斯蒂安·韦尔强调，可靠的金融科技企业必须接纳人工智能，但在部署过程中必须尊重传统银行的品牌传承、消费者隐私以及监管合规要求。
- He highlights the balance between leveraging AI as a capability and using it to challenge and improve bank operations. 他着重指出了既要利用人工智能作为一项能力，又要用它来挑战和优化银行运营之间的平衡。
- Beyond customer-facing benefits, AI breaks down financial literacy barriers by explaining complex products like pensions and investments in simple terms. 除了面向客户的诸多益处，人工智能还能用通俗易懂的语言解释养老金、投资等复杂金融产品，打破金融知识普及的壁垒。
- It also streamlines processes: assisting with loan applications, verifying documents, running credit checks, and flagging compliance issues, with adaptive new AI models able to make real-time decisions under regulatory and human oversight. 它还能简化流程：协助处理贷款申请、验证文件、进行信用审核以及标记合规问题，新型的自适应人工智能模型能够在监管和人工监督下做出实时决策。
- Virtual assistants support call centers, with IBM consulting staff to refine AI applications based on client needs. 虚拟助手为呼叫中心提供支持，IBM的咨询人员会根据客户需求优化人工智能应用。
- This shifts employees from routine tasks to strategic roles as "AI builders," enhancing job satisfaction. 这将员工从日常事务性工作转移到“人工智能构建者”的战略岗位上，提升了工作满意度。
