\nLa 27 de ani, Taki Wong, cofondator al unei firme de tehnologie din Ontario, folose\u015fte inteligen\u0163a artificial\u0103 nu doar \u00een activitatea profesional\u0103, ci \u015fi pentru administrarea bugetului personal. El utilizeaz\u0103 modelul Gemini AI de la Google pentru a-\u015fi urm\u0103ri cheltuielile lunare \u015fi pentru a-\u015fi analiza tiparele de consum.<\/p>\n
\n\u201eE ca \u015fi cum a\u015f avea un mic consultant financiar al\u0103turi, zi \u015fi noapte\u201d, spune Wong. Lunar, \u00ee\u015fi introduce manual toate cheltuielile efectuate cu cardul \u015fi pl\u0103\u0163ile recurente. Astfel, inteligen\u0163a artificial\u0103 \u00eei indic\u0103 zonele \u00een care cheltuie peste m\u0103sur\u0103.<\/p>\n
\nRezultatele au fost vizibile rapid. Conform Reuters, costurile pentru mesele \u00een ora\u015f au sc\u0103zut de la aproximativ 600 de dolari la 200, iar abonamentele TV au fost reduse de la 300 de dolari la 50.<\/p>\n
\nDe\u015fi apreciaz\u0103 utilitatea acestor instrumente, Wong evit\u0103 s\u0103 le ofere acces direct la conturile sale bancare. \u201eNu conectez niciun cont. Introduc doar totalurile finale, cheltuielile efective\u201d, explic\u0103 el. Aceast\u0103 abordare reflect\u0103 \u00eengrijorarea tot mai prezent\u0103 \u00een r\u00e2ndul utilizatorilor cu privire la securitatea datelor sensibile.<\/p>\n
\nConfiden\u0163ialitatea r\u0103m\u00e2ne un motiv important de rezerv\u0103 pentru cei care folosesc AI \u00een finan\u0163e, \u00een special \u00een r\u00e2ndul tinerilor. Ei sunt deschi\u015fi c\u0103tre tehnologie, dar \u015fi con\u015ftien\u0163i de riscuri.<\/p>\n
\nCazul lui Wong nu este singular. Un sondaj realizat \u00een septembrie de Intuit Credit Karma a ar\u0103tat c\u0103 majoritatea americanilor care utilizeaz\u0103 AI au cerut \u015fi recomand\u0103ri financiare prin intermediul acesteia. \u00cen r\u00e2ndul genera\u0163iei Z \u015fi al millennials, procentul urc\u0103 la 82%.<\/p>\n
\nTendin\u0163a este vizibil\u0103 \u015fi \u00een Europa. \u00cen Marea Britanie, aproape un adult din trei declar\u0103 c\u0103 folose\u015fte s\u0103pt\u0103m\u00e2nal inteligen\u0163a artificial\u0103 pentru gestionarea finan\u0163elor personale, potrivit celui mai recent Consumer Digital Index publicat de Lloyds Banking Group.<\/p>\n
\nSpeciali\u015ftii avertizeaz\u0103 c\u0103 AI-ul nu ar trebui s\u0103 \u00eenlocuiasc\u0103 complet consultan\u0163a uman\u0103. Jordan Edwards, gazda podcastului \u201e#Clockedin\u201d, atrage aten\u0163ia c\u0103, de\u015fi AI ofer\u0103 imediat un r\u0103spuns, acesta trebuie verificat.<\/p>\n
\n\u201eAI-ul \u00ee\u0163i va r\u0103spunde mereu, dar e responsabilitatea ta s\u0103 verifici corectitudinea\u201d, spune Edwards, recomand\u00e2nd apelarea la exper\u0163i cu experien\u0163\u0103 real\u0103 \u00een domeniul financiar.<\/p>\n
\nPentru mul\u0163i tineri, inteligen\u0163a artificial\u0103 este un sprijin valoros \u00een planificarea bugetului, economisire \u015fi men\u0163inerea disciplinei financiare, \u00een special \u00eentr-un climat economic incert. Totu\u015fi, utilizarea prudent\u0103, verificarea informa\u0163iilor \u015fi protejarea datelor r\u0103m\u00e2n esen\u0163iale.<\/p>\n
\nA\u015fa cum subliniaz\u0103 \u015fi Taki Wong, AI-ul l-a ajutat s\u0103 descopere \u201epierderile\u201d din buget, \u00eens\u0103 decizia final\u0103 r\u0103m\u00e2ne \u00eentotdeauna a lui.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Genera\u0163iile Z \u015fi millennials apeleaz\u0103 tot mai frecvent la inteligen\u0163a artificial\u0103 pentru a-\u015fi gestiona banii, atra\u015fi de rapiditatea r\u0103spunsurilor, controlul mai bun asupra finan\u0163elor \u015fi costurile reduse. Totu\u015fi, mul\u0163i r\u0103m\u00e2n precau\u0163i atunci c\u00e2nd vine vorba de datele personale, scrie Reuters.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[25316,194],"class_list":["post-243338","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-inteligenta-artificiala","tag-tineri"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/243338","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=243338"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/243338\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=243338"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=243338"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=243338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}