{"id":130290,"date":"2024-08-05T05:30:18","date_gmt":"2024-08-05T04:30:18","guid":{"rendered":"https:\/\/www.artefact.com\/?post_type=blog&#038;p=130290"},"modified":"2024-10-29T09:02:51","modified_gmt":"2024-10-29T09:02:51","slug":"ibm-credit-mutuel-at-ai-for-finance-by-artefact-leveraging-machine-learning-innovations-challenges-and-future-trends-in-banking","status":"publish","type":"blog","link":"https:\/\/www.artefact.com\/br\/blog\/ibm-credit-mutuel-at-ai-for-finance-by-artefact-leveraging-machine-learning-innovations-challenges-and-future-trends-in-banking\/","title":{"rendered":"IBM &amp; CREDIT MUTUEL na AI for Finance by Artefact - Alavancando o aprendizado de m\u00e1quina: Inova\u00e7\u00f5es, desafios e tend\u00eancias futuras no setor banc\u00e1rio"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--link_color: var(--awb-color6);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:var(--awb-color1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:calc( 1440px + 20px );margin-left: calc(-20px \/ 2 );margin-right: calc(-20px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:10px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:10px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:10px;--awb-spacing-left-medium:10px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:10px;--awb-spacing-left-small:10px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1 description\" style=\"--awb-text-color:var(--awb-color5);--awb-text-font-family:&quot;PT Serif&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>C\u00fapula de IA para finan\u00e7as por Artefact - 17 de setembro de 2024 - Paris<\/p>\n<p>Principais aprendizados do painel de discuss\u00e3o com Jean-Philippe Desbiolles, Managing Director, IBM Financial Services da IBM, Damien Ernst, Deputy CIO e CTO do Cr\u00e9dit Mutuel Alliance F\u00e9d\u00e9rale, e Emma Sezen, Head of AI for Finance da Artefact.<\/p>\n<\/div><\/div><\/div><\/div><\/div><article class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--link_color: var(--awb-color6);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:var(--awb-color1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 1440px + 20px );margin-left: calc(-20px \/ 2 );margin-right: calc(-20px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:10px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:10px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:10px;--awb-spacing-left-medium:10px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:10px;--awb-spacing-left-small:10px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:670px;--awb-max-height:377px;--awb-align-self:center;--awb-width:100%;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:56.27%;\" ><iframe title=\"Reprodutor de v\u00eddeo do YouTube 1\" src=\"https:\/\/www.youtube.com\/embed\/SrsWxrazeok?wmode=transparent&autoplay=0\" width=\"670\" height=\"377\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">Colabora\u00e7\u00e3o entre o Cr\u00e9dit Mutuel e a IBM<\/h2><\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>Desde 2015, o Cr\u00e9dit Mutuel Alliance F\u00e9d\u00e9rale e a IBM t\u00eam colaborado com a IA, come\u00e7ando com a an\u00e1lise de e-mails de consultores e fornecendo assist\u00eancia virtual. Uma f\u00e1brica cognitiva foi estabelecida para apoiar a implementa\u00e7\u00e3o de casos de uso de IA, envolvendo TI, especialistas em neg\u00f3cios e suporte da IBM. Em 2018, eles integraram a IA em v\u00e1rias atividades e come\u00e7aram a explorar a IA generativa em 2023.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">Estrat\u00e9gia e dimensionamento de IA<\/h2><\/div><div class=\"fusion-text fusion-text-3\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>As estrat\u00e9gias de IA exigem que o senhor se atenha a uma vis\u00e3o de longo prazo, apesar dos desafios, em vez de \u201cfalhar rapidamente\u201d. A verdadeira IA em escala envolve a cria\u00e7\u00e3o de um modelo operacional, como uma f\u00e1brica de IA, e a integra\u00e7\u00e3o total da IA com o data para obter resultados tang\u00edveis. Isso vai al\u00e9m da tecnologia e exige mudan\u00e7as organizacionais e a plataforma certa para garantir a ado\u00e7\u00e3o bem-sucedida da IA.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">Confian\u00e7a e \u00e9tica em IA<\/h2><\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>Em finan\u00e7as, a confian\u00e7a \u00e9 vital. O Cr\u00e9dit Mutuel Alliance F\u00e9d\u00e9rale enfatiza a \u00e9tica e a prote\u00e7\u00e3o do cliente, centralizando modelos de IA e data para auditabilidade. Eles adotaram o WatsonX da IBM para monitorar a transpar\u00eancia do modelo, a conformidade e os princ\u00edpios \u00e9ticos. A IBM acrescenta que a confian\u00e7a impulsiona a ado\u00e7\u00e3o e o ROI. Estabelecer uma plataforma para centralizar os modelos de IA, garantir a integridade do data e desenvolver diretrizes \u00e9ticas expl\u00edcitas s\u00e3o etapas cruciais para uma IA respons\u00e1vel.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">O impacto da IA nas opera\u00e7\u00f5es do banco<\/h2><\/div><div class=\"fusion-text fusion-text-5\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>A IA est\u00e1 incorporada em muitas fun\u00e7\u00f5es de neg\u00f3cios, trazendo efici\u00eancia e liberando tempo para intera\u00e7\u00f5es de valor agregado com o cliente. Ferramentas aprimoradas por IA lidam com mais de 6 milh\u00f5es de e-mails de clientes mensalmente, analisando anexos e dando suporte a consultores com 600.000 consultas mensais. Os clientes fazem mais de 1,4 milh\u00e3o de perguntas por meio de assistentes virtuais com IA, e mais 3 milh\u00f5es de chamadas s\u00e3o gerenciadas por sistemas de voz aprimorados por IA. Essas melhorias resultaram na libera\u00e7\u00e3o de 2,4 milh\u00f5es de horas para os funcion\u00e1rios.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">Desafios e etapas futuras<\/h2><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>Embora a IA tenha melhorado as opera\u00e7\u00f5es, os desafios permanecem. O foco do banco \u00e9 integrar a IA generativa de forma eficaz, garantindo que a tecnologia continue sendo uma ferramenta para aprimorar o trabalho humano, e n\u00e3o para substitu\u00ed-lo. Os recursos de IA entre canais s\u00e3o outra meta, garantindo experi\u00eancias consistentes em todos os pontos de contato com o cliente. \u00c9tica, privacidade e controle sobre as opera\u00e7\u00f5es de IA s\u00e3o prioridades, j\u00e1 que todos os processos s\u00e3o executados nos centros de data do Cr\u00e9dit Mutuel Alliance F\u00e9d\u00e9rale, com recursos privados de cloud enriquecidos por GPUs para um processamento eficiente de IA.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">IA e colabora\u00e7\u00e3o humana<\/h2><\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>O principal desafio \u00e9 o equil\u00edbrio entre humanos e IA. As decis\u00f5es tomadas apenas pela IA nem sempre s\u00e3o superiores; o contexto do caso de uso determina se a IA, os seres humanos ou a combina\u00e7\u00e3o deles proporciona o melhor resultado. \u00c0 medida que a IA generativa evolui, as organiza\u00e7\u00f5es devem se preparar para lidar com quest\u00f5es relacionadas \u00e0 responsabilidade pela tomada de decis\u00f5es, especialmente em \u00e1reas sens\u00edveis como sa\u00fade e finan\u00e7as.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">A pr\u00f3xima fronteira<\/h2><\/div><div class=\"fusion-text fusion-text-8\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>Computa\u00e7\u00e3o qu\u00e2ntica: O pr\u00f3ximo passo do setor banc\u00e1rio \u00e9 combinar IA, TI tradicional e computa\u00e7\u00e3o qu\u00e2ntica. O Cr\u00e9dit Mutuel Alliance F\u00e9d\u00e9rale est\u00e1 explorando a computa\u00e7\u00e3o qu\u00e2ntica por seu potencial de aumentar a efici\u00eancia operacional, tendo estabelecido uma F\u00e1brica e uma Academia Qu\u00e2nticas para desenvolver conhecimentos especializados nesse campo. A TI do futuro far\u00e1 convergir a computa\u00e7\u00e3o tradicional (bits), a tecnologia qu\u00e2ntica (qubits) e a IA (neur\u00f4nios).<\/p>\n<\/div><\/div><\/div><\/div><\/article><\/p>","protected":false},"excerpt":{"rendered":"<p>Principais aprendizados do painel de discuss\u00e3o com Jean-Philippe Desbiolles, Managing Director, IBM Financial Services da IBM, Damien Ernst, Deputy CIO e CTO do Cr\u00e9dit Mutuel Alliance F\u00e9d\u00e9rale, e Emma Sezen, Head of AI for Finance da Artefact.<\/p>","protected":false},"featured_media":130291,"parent":0,"template":"","meta":{"_acf_changed":false,"ep_exclude_from_search":false},"blog-category":[21930],"blog-language":[2991],"class_list":["post-130290","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog-category-finance","blog-language-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog\/130290","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/types\/blog"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/media\/130291"}],"wp:attachment":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/media?parent=130290"}],"wp:term":[{"taxonomy":"blog-category","embeddable":true,"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog-category?post=130290"},{"taxonomy":"blog-language","embeddable":true,"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog-language?post=130290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}