\nPeste 200.000 de locuri de munc\u0103 din sectorul bancar european sunt amenin\u0163ate \u00een urm\u0103torii cinci ani, pe m\u0103sur\u0103 ce b\u0103ncile adopt\u0103 tot mai mult inteligen\u0163a artificial\u0103 \u015fi accelereaz\u0103 \u00eenchiderea sucursalelor, potrivit estim\u0103rilor anali\u015ftilor, potrivit FT. <\/p>\n
\nPrognoza Morgan Stanley arat\u0103 c\u0103 industria bancar\u0103 ar putea reduce aproximativ 10% din num\u0103rul de angaja\u0163i p\u00e2n\u0103 \u00een 2030, \u00een contextul \u00een care institu\u0163iile financiare se gr\u0103besc s\u0103 ob\u0163in\u0103 economiile promise de AI \u015fi s\u0103 mute o parte tot mai mare a opera\u0163iunilor \u00een mediul online.<\/p>\n
\nReducerile sunt cel mai probabil s\u0103 vizeze diviziile de \u201eservicii centrale\u201d ale b\u0103ncilor \u2013 care includ func\u0163iile de back-office \u015fi middle-office, precum \u015fi rolurile din managementul riscului \u015fi conformitate \u2013 potrivit analizei realizate pe un e\u015fantion de 35 de b\u0103nci.<\/p>\n
\n\u00cen total, aceste institu\u0163ii au aproximativ 2,12 milioane de angaja\u0163i, ceea ce \u00eenseamn\u0103 c\u0103 o reducere de 10% ar echivala cu circa 212.000 de concedieri.<\/p>\n
\n\u201eMulte b\u0103nci au indicat c\u00e2\u015ftiguri de eficien\u0163\u0103 generate de AI \u015fi de digitalizarea suplimentar\u0103 de p\u00e2n\u0103 la 30%\u201d, arat\u0103 Morgan Stanley.<\/p>\n
\nB\u0103ncile europene se afl\u0103 sub o presiune intens\u0103 din partea investitorilor pentru a g\u0103si noi modalit\u0103\u0163i de reducere a costurilor \u015fi de cre\u015ftere a randamentului capitalurilor proprii, care r\u0103m\u00e2ne constant sub nivelul rivalilor din SUA.<\/p>\n
\nInstitu\u0163iile financiare au \u00eenceput deja s\u0103 invoce inteligen\u0163a artificial\u0103 drept un catalizator pentru restructurarea opera\u0163iunilor. \u00cen noiembrie, banca olandez\u0103 ABN Amro a anun\u0163at c\u0103 va elimina aproximativ o cincime din personalul cu norm\u0103 \u00eentreag\u0103 p\u00e2n\u0103 \u00een 2028, \u00een timp ce directorul general al Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, Slawomir Krupa, avertiza \u00een martie c\u0103 \u201enimic nu este sacru\u201d \u00een campania sa de reducere a bazei de costuri ridicate a b\u0103ncii franceze.<\/p>\n
\nAnali\u015ftii Morgan Stanley afirm\u0103 c\u0103 AI ofer\u0103 b\u0103ncilor o oportunitate de a \u00eembun\u0103t\u0103\u0163i raportul cost\/venit \u2013 un indicator-cheie de eficien\u0163\u0103 urm\u0103rit \u00eendeaproape de investitori \u2013 \u00een condi\u0163iile \u00een care rundele anterioare de reduceri de costuri \u015fi-au epuizat efectul.<\/p>\n
\nPrognoza subliniaz\u0103 modul \u00een care digitalizarea accelerat\u0103 \u015fi adoptarea inteligen\u0163ei artificiale ar putea remodela peisajul bancar european \u00een anii urm\u0103tori, \u00een special \u00een cazul b\u0103ncilor orientate c\u0103tre consumatori \u015fi \u00een \u0163\u0103ri precum Fran\u0163a \u015fi Germania, unde raporturile cost\/venit r\u0103m\u00e2n ridicate.<\/p>\n
\nCre\u015fterea exploziv\u0103 a AI a alimentat temeri privind pierderi masive de locuri de munc\u0103 \u00een mai multe industrii, pe m\u0103sur\u0103 ce tehnologia evolueaz\u0103 p\u00e2n\u0103 la punctul \u00een care ar putea \u00eenlocui angaja\u0163i umani.<\/p>\n
\nPotenzialul AI de a transforma sectorul bancar european este confirmat \u015fi de anali\u015ftii UBS, institu\u0163ie care a \u00eenceput s\u0103 foloseasc\u0103 aceast\u0103 tehnologie pentru a-\u015fi transforma anali\u015ftii \u00een avataruri, trimi\u0163\u00e2nd clien\u0163ilor videoclipuri cu bancheri simula\u0163i.<\/p>\n
\nJason Napier, \u015feful departamentului de analiz\u0103 a b\u0103ncilor europene din cadrul UBS, a declarat: \u201eVedem deja schimb\u0103ri \u00een audit, avocatur\u0103 \u015fi consultan\u0163\u0103, dar b\u0103ncile nu livreaz\u0103 \u00eenc\u0103 o eficien\u0163\u0103 \u00eembun\u0103t\u0103\u0163it\u0103. Bazele de cost sunt mari, iar aceste instrumente puternice nu au fost \u00eenc\u0103 implementate pe deplin.\u201d<\/p>\n
\n\u201eCei care mai au nevoie de dovezi c\u0103 AI va schimba semnificativ serviciile financiare ar trebui s\u0103 petreac\u0103 mai mult timp explor\u00e2nd instrumentele care sunt deja disponibile\u201d, a ad\u0103ugat el.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Peste 200.000 de locuri de munc\u0103 din sectorul bancar european sunt amenin\u0163ate \u00een urm\u0103torii cinci ani, pe m\u0103sur\u0103 ce b\u0103ncile adopt\u0103 tot mai mult inteligen\u0163a artificial\u0103 \u015fi accelereaz\u0103 \u00eenchiderea sucursalelor, potrivit estim\u0103rilor anali\u015ftilor, potrivit FT. Prognoza Morgan Stanley arat\u0103 c\u0103 industria bancar\u0103 ar putea reduce aproximativ 10% din num\u0103rul de angaja\u0163i p\u00e2n\u0103 \u00een 2030, \u00een […]<\/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":[7734,7267],"class_list":["post-243749","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-analisti","tag-banci"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/243749","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=243749"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/243749\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=243749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=243749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=243749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}