Tu\u1ea7n tr\u01b0\u1edbc, t\u00f4i nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t email t\u1eeb m\u1ed9t sinh vi\u00ean: \u201cEm hi\u1ec7n th\u1eddi \u0111ang h\u1ecdc ch\u01b0\u01a1ng tr\u00ecnh Th\u1ea1c s\u0129 qu\u1ea3n tr\u1ecb kinh doanh (MBA), chuy\u00ean m\u00f4n ho\u00e1 trong Ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh. Em \u0111\u1ecdc blog c\u1ee7a th\u1ea7y v\u1ec1 Tr\u00ed kh\u00f4n nh\u00e2n t\u1ea1o v\u00e0 c\u00f3 v\u00e0i c\u00e2u h\u1ecfi: \u201cLi\u1ec7u ph\u1ea7n m\u1ec1m AI c\u00f3 th\u1ec3 thay th\u1ebf m\u1ecdi vi\u1ec7c l\u00e0m c\u1ee7a con ng\u01b0\u1eddi trong ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh kh\u00f4ng? T\u01b0\u01a1ng lai c\u1ee7a ai \u0111\u00f3 c\u00f3 b\u1eb1ng MBA l\u00e0 g\u00ec? Th\u1ea7y c\u00f3 l\u1eddi khuy\u00ean g\u00ec cho ai \u0111\u00f3 nh\u01b0 em kh\u00f4ng? Xin th\u1ea7y gi\u00fap cho.\u201d<\/p>\n
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T\u00f4i \u0111\u00e3 vi\u1ebft cho em \u0111\u00f3: \u201cTr\u00ed kh\u00f4n nh\u00e2n t\u1ea1o th\u01b0\u1eddng t\u1ea1o ra s\u1ee3 h\u00e3i trong c\u00f4ng nh\u00e2n nh\u1eefng ng\u01b0\u1eddi tin r\u1eb1ng h\u1ecd s\u1ebd b\u1ecb thay th\u1ebf b\u1edfi robots. Th\u1ef1c t\u1ea1i l\u00e0 m\u1ed9t s\u1ed1 vi\u1ec7c l\u00e0m s\u1ebd b\u1ecb m\u1ea5t nh\u01b0ng nh\u1eefng vi\u1ec7c l\u00e0m kh\u00e1c s\u1ebd \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1ea5t k\u1ec3 khu v\u1ef1c n\u00e0o hay vi\u1ec7c l\u00e0m n\u00e0o m\u00e0 m\u1ecdi ng\u01b0\u1eddi \u0111ang l\u00e0m trong \u0111\u00f3. Trong khu v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh, tr\u00ed kh\u00f4n nh\u00e2n t\u1ea1o s\u1ebd ti\u1ebfp qu\u1ea3n m\u1ed9t s\u1ed1 vi\u1ec7c l\u00e0m nh\u01b0ng nh\u1eefng vi\u1ec7c l\u00e0m m\u1edbi c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c t\u1ea1o ra. \u0110i\u1ec1u em c\u1ea7n l\u00e0 bi\u1ebft em c\u1ea7n c\u00f3 k\u0129 n\u0103ng n\u00e0o \u0111\u1ec3 \u0111\u00e1p \u1ee9ng cho c\u00e1c y\u00eau c\u1ea7u vi\u1ec7c l\u00e0m m\u1edbi n\u00e0y.<\/p>\n
Trong v\u00e0i n\u0103m qua, c\u00f4ng ngh\u1ec7 tr\u00ed kh\u00f4n nh\u00e2n t\u1ea1o (AI) \u0111\u00e3 \u0111\u01b0\u1ee3c d\u00f9ng trong vi\u1ec7c g\u1ed9p v\u00e0i ng\u00e2n h\u00e0ng \u1edf M\u0129. Khi ng\u00e2n h\u00e0ng l\u1edbn h\u01a1n mua ng\u00e2n h\u00e0ng nh\u1ecf h\u01a1n, c\u00f3 chi ph\u00ed cao trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i nh\u01b0 m\u1ecdi th\u00f4ng tin t\u00e0i kho\u1ea3n v\u00e0 kh\u00e1ch h\u00e0ng nh\u01b0 th\u1ebb t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng qua internet, v\u00e0 qu\u1ea3n l\u00ed giao t\u00e1c, ph\u1ea3i \u0111\u01b0\u1ee3c di chuy\u1ec3n sang h\u1ec7 th\u1ed1ng th\u00f4ng tin c\u1ee7a ng\u00e2n h\u00e0ng l\u1edbn h\u01a1n. Trong qu\u00e1 kh\u1ee9, \u0111i\u1ec1u \u0111\u00f3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi con ng\u01b0\u1eddi v\u00e0 m\u1ea5t th\u1eddi gian, th\u01b0\u1eddng trong nhi\u1ec1u th\u00e1ng. V\u1edbi ph\u1ea7n m\u1ec1m tr\u00ed kh\u00f4n nh\u00e2n t\u1ea1o, qu\u00e1 tr\u00ecnh n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong v\u00e0i ng\u00e0y. Ph\u1ea7n l\u1edbn c\u00e1c qui tr\u00ecnh th\u1ee7 c\u00f4ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng ho\u00e1 b\u1eb1ng vi\u1ec7c d\u00f9ng “ph\u1ea7n m\u1ec1m kh\u00f4n.\u201d Do \u0111\u00f3, ph\u1ea7n l\u1edbn vi\u1ec7c l\u00e0m c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0 v\u00e0o d\u1eef li\u1ec7u v\u00e0 \u0111i\u1ec1n m\u1eabu \u0111\u01a1n s\u1ebd \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng c\u00f4ng ngh\u1ec7 AI c\u0169ng nh\u01b0 ba m\u01b0\u01a1i n\u0103m tr\u01b0\u1edbc \u0111\u00e2y, m\u00e1y t\u1ef1 \u0111\u1ed9ng tr\u1ea3 ti\u1ec1n (ATM) \u0111\u00e3 \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 thay th\u1ebf nh\u00e2n vi\u00ean tr\u1ea3 ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n
Theo m\u1ed9t b\u00e1o c\u00e1o kinh doanh, b\u1eb1ng vi\u1ec7c d\u00f9ng c\u00f4ng ngh\u1ec7 AI, ng\u00e0nh c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 thu \u0111\u01b0\u1ee3c 40% v\u1ec1 n\u0103ng su\u1ea5t v\u00e0 1 ngh\u00ecn t\u1ec9 \u0111\u00f4 la l\u1ee3i nhu\u1eadn th\u00eam do chi ph\u00ed \u00edt h\u01a1n v\u00e0 giao t\u00e1c nhanh h\u01a1n. B\u00ean ngo\u00e0i \u0111i\u1ec1u \u0111\u00f3, ph\u1ea7n m\u1ec1m AI c\u0169ng ph\u00e1t hi\u1ec7n c\u00e1c v\u1ee5 r\u1eeda ti\u1ec1n, kho\u1ea3n vay gian l\u1eadn s\u1edbm h\u01a1n v\u00e0 th\u00f4ng b\u00e1o cho c\u1ea5p qu\u1ea3n l\u00ed n\u1ebfu m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1ng nghi b\u1ea5t th\u01b0\u1eddng x\u1ea3y ra. D\u1ef1a tr\u00ean c\u00e1c \u01b0u th\u1ebf n\u00e0y, nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ti t\u00e0i ch\u00ednh s\u1ebd d\u00f9ng nhi\u1ec1u ph\u1ea7n m\u1ec1m AI h\u01a1n trong t\u01b0\u01a1ng lai.<\/p>\n
Li\u1ec7u ph\u1ea7n m\u1ec1m AI c\u00f3 th\u1ec3 thay th\u1ebf m\u1ecdi vi\u1ec7c l\u00e0m con ng\u01b0\u1eddi trong ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh kh\u00f4ng? C\u00e2u tr\u1ea3 l\u1eddi l\u00e0 \u201cKH\u00d4NG\u201d nh\u01b0ng khi m\u1ed9t s\u1ed1 vi\u1ec7c l\u00e0m s\u1ebd m\u1ea5t \u0111i, nh\u1eefng vi\u1ec7c l\u00e0m m\u1edbi s\u1ebd \u0111\u01b0\u1ee3c t\u1ea1o ra v\u00e0 ph\u1ea7n l\u1edbn ch\u00fang s\u1ebd \u1edf trong khu v\u1ef1c c\u00f4ng ngh\u1ec7. Ph\u1ea7n l\u1edbn c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ti t\u00e0i ch\u00ednh s\u1ebd c\u1ea7n thu\u00ea nhi\u1ec1u ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p \u0111\u1ea1i h\u1ecdc h\u01a1n v\u1edbi c\u1ea3 k\u0129 n\u0103ng kinh doanh v\u00e0 m\u00e1y t\u00ednh. L\u00e0 sinh vi\u00ean kinh doanh, l\u1eddi khuy\u00ean c\u1ee7a t\u00f4i cho em l\u00e0 h\u1ecdc th\u00eam c\u00e1c l\u1edbp m\u00e1y t\u00ednh v\u00ec c\u00f3 nhu c\u1ea7u v\u1ec1 c\u00f4ng nh\u00e2n v\u1edbi c\u00e1c k\u0129 n\u0103ng \u0111\u01b0\u1ee3c t\u1ed5 h\u1ee3p \u0111\u1ec3 l\u00e0m vi\u1ec7c nh\u01b0 nh\u00e0 khoa h\u1ecdc d\u1eef li\u1ec7u t\u00e0i ch\u00ednh nh\u1eefng ng\u01b0\u1eddi c\u00f3 th\u1ec3 thi\u1ebft k\u1ebf hay qu\u1ea3n l\u00ed ph\u1ea7n m\u1ec1m AI n\u00e0y \u0111\u1ec3 \u0111\u00e1p \u1ee9ng cho v\u1eadn h\u00e0nh kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng. Ch\u1eb3ng h\u1ea1n, n\u1ebfu ng\u01b0\u1eddi ph\u1ea1m sai l\u1ea7m, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111u\u1ed5i h\u1ecd, nh\u01b0ng n\u1ebfu ph\u1ea7n m\u1ec1m AI ph\u1ea1m sai l\u1ea7m, ng\u00e2n h\u00e0ng s\u1ebd g\u1eb7p v\u1ea5n \u0111\u1ec1 kh\u1ed5ng l\u1ed3 v\u00ec h\u1ecd kh\u00f4ng th\u1ec3 \u0111u\u1ed5i \u0111\u01b0\u1ee3c ph\u1ea7n m\u1ec1m AI. Cho n\u00ean h\u1ecd c\u1ea7n ai \u0111\u00f3 c\u00f3 th\u1ec3 gi\u00e1m s\u00e1t ph\u1ea7n m\u1ec1m n\u00e0y \u0111\u1ec3 ch\u1eafc n\u00f3 l\u00e0m vi\u1ec7c \u0111\u00fang. S\u1ebd c\u00f3 nhu c\u1ea7u cao v\u1ec1 nh\u1eefng ng\u01b0\u1eddi bi\u1ebft nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng, c\u00e1ch n\u00f3 l\u00e0m vi\u1ec7c, v\u00e0 c\u0169ng c\u00f3 k\u0129 n\u0103ng m\u00e1y t\u00ednh \u0111\u1ec3 thi\u1ebft k\u1ebf v\u00e0 th\u1ef1c hi\u1ec7n ph\u1ea7n m\u1ec1m AI.<\/p>\n
Ngay c\u1ea3 th\u1ebf gi\u1edbi ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh c\u0169ng \u0111ang thay \u0111\u1ed5i nhanh ch\u00f3ng v\u00e0 \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng ho\u00e1 nhi\u1ec1u h\u01a1n nh\u01b0ng v\u1eabn c\u00f3 vai tr\u00f2 c\u1ee7a con ng\u01b0\u1eddi. V\u00ec c\u00f4ng ngh\u1ec7 AI v\u1eabn c\u00f2n m\u1edbi, v\u00e0 ph\u1ea7n l\u1edbn c\u00e1c ng\u00e2n h\u00e0ng m\u1edbi \u0111ang th\u1ef1c hi\u1ec7n vi\u1ec7c d\u00f9ng AI trong c\u00e1c khu v\u1ef1c nh\u01b0 th\u01b0\u01a1ng m\u1ea1i, cho vay, v\u00e0 d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng; h\u1ecd s\u1ebd c\u1ea7n nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 b\u1eb1ng MBA v\u00e0 c\u00f3 k\u0129 n\u0103ng t\u00ednh to\u00e1n th\u00eam.<\/p>\n
N\u0103m ngo\u00e1i, t\u00f4i \u0111\u00e3 tham gia v\u00e0o m\u1ed9t cu\u1ed9c duy\u1ec7t x\u00e9t qu\u1ed1c gia v\u1ec1 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ea1i h\u1ecdc \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ecd ch\u00fa tr\u1ecdng nhi\u1ec1u h\u01a1n v\u00e0o c\u00f4ng ngh\u1ec7 trong nhi\u1ec1u l\u0129nh v\u1ef1c h\u1ecdc t\u1eadp \u0111\u1ec3 ch\u1eafc r\u1eb1ng ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p t\u01b0\u01a1ng lai s\u1ebd c\u00f3 nh\u1eefng k\u0129 n\u0103ng \u0111\u01b0\u1ee3c c\u1ea7n \u0111\u1ec3 chu\u1ea9n b\u1ecb cho h\u1ecd v\u1edbi cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p th\u1ee9 t\u01b0. T\u00f4i \u0111\u00e3 \u0111\u01b0a ra nhi\u1ec1u khuy\u1ebfn ngh\u1ecb v\u1ec1 ch\u01b0\u01a1ng tr\u00ecnh b\u1eb1ng c\u1ea5p nh\u01b0 kinh doanh, nghi\u00ean c\u1ee9u x\u00e3 h\u1ed9i, ngh\u1ec7 thu\u1eadt v\u00e0 nh\u00e2n v\u0103n c\u1ea7n th\u00eam c\u00e1c m\u00f4n h\u1ecdc b\u1ed5 sung trong khoa h\u1ecdc m\u00e1y t\u00ednh c\u0169ng nh\u01b0 “k\u0129 n\u0103ng m\u1ec1m” nh\u01b0 t\u01b0 duy ph\u00ea ph\u00e1n, l\u1eafng nghe ch\u1ee7 \u0111\u1ed9ng, tr\u00ecnh b\u00e0y, l\u00e3nh \u0111\u1ea1o, v\u00e0 c\u1ea3m nh\u1eadn x\u00e3 h\u1ed9i. T\u00f4i tin nh\u1eefng k\u0129 n\u0103ng n\u00e0y s\u1ebd gi\u00fap \u0111\u1eb7t m\u1ecdi ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p t\u01b0\u01a1ng lai v\u00e0o v\u1ecb tr\u00ed c\u00f3 b\u1ed5 sung th\u00eam c\u00e1c c\u00f4ng ngh\u1ec7 AI, thay v\u00ec c\u1ea1nh tranh v\u1edbi c\u00f4ng ngh\u1ec7.<\/p>\n
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—English version—<\/p>\n
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Business and technologies<\/p>\n
Last week, I received an email from a student: \u201cI am currently studying in the Master of Business Administration (MBA) program, specialize in Banking and Finance. I read your blog about Artificial Intelligence and have a few questions: \u201cIs it possible for AI software to replace all human jobs in banking and finance? What is the future of someone who has an MBA degree? What is your advice for someone like me? Please help.\u201d<\/p>\n
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I wrote to him: \u201cArtificial intelligence often create fear in workers who believe that they will be replaced by robots. The reality is some jobs will be lost but others will be created regardless of what areas or what jobs that people are working in. In banking and finance areas, artificial intelligence will take over some jobs but new jobs will also be created. What you need is knowing what skills you need to have to meet these new jobs requirements.<\/p>\n
In the past few years, artificial intelligence (AI) technology was used in the merger of several banks in the U.S. When a bigger bank acquire a smaller bank, there is high cost in the conversion process such as all customer and account information such as credit cards, internet banking, and transaction management, has to be migrated to the bigger bank\u2019s information system. In the past, it was done by people and it took time, often in many months. With artificial intelligence software, this process can be done in a matter of a few days. Most of the manual processes can easily be automated using \u201csmart software.\u201d Therefore, most banking jobs such as data entry and filling out forms will be replaced by AI technology just like thirty years ago, the Automated Teller Machine (ATM) was used to replaced bank tellers.<\/p>\n
According to a business report, by using AI technology, the banks and finance industry could gain 40% in productivity and $1 trillion in additional profit due to fewer costs and faster transactions. Beyond that, the AI software can also detect \u00a0money-laundering, fraudulent loans earlier and inform management if some unusual suspicious activities are happening. Based on these advantages, many banks and finance companies will use more AI software in the future.<\/p>\n
Is it possible for AI software to replace ALL human jobs in banking and finance? The answer is \u201cNO\u201d but as some jobs will be gone, new jobs will be created and most of them will be in technology areas. Soon most bank and finance companies will need to hire more college graduates with both business and computer skills. As a business student, my advice for you is to take additional computer classes as there is a need for workers with combined skills to work as financial data scientists who can design or manage this AI software to meet the bank\u2019s business operation. For example, if a person makes a mistake, the bank can fire them, but if the AI software is making mistakes, the bank will have a huge problem because they cannot fire the AI software. So they need someone who can monitor the software to make sure it works correctly. There will be a high demand for people who know the banking business, how it works, and also have the computer skills to design and implement the AI software.<\/p>\n
Even the banking and finance world is changing fast and getting more automated but there is still a role of a human being. Because the AI technology is still new and most banks are just implementing the use of AI in areas like trading, lending, and customer service; they will need a lot of people who have the MBA degree and have additional computing skills.<\/p>\n
Last year, I have involved in a national review of college programs to ensure they place more focus on technology in several fields of study to make sure that future graduates will have the needed skills to prepare them for the Fourth industrial revolution. I have made several recommendations for degree programs such as business, social studies, arts and humanities to add additional courses in computer science as well as \u201csoft skills\u201d such as critical thinking, active listening, presentation, leadership, and social perceptiveness. I believe these skills will help position all future graduates to complement AI technologies, rather than compete with them.<\/p>\n
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<\/p>\n","protected":false},"excerpt":{"rendered":"
Tu\u1ea7n tr\u01b0\u1edbc, t\u00f4i nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t email t\u1eeb m\u1ed9t sinh vi\u00ean: \u201cEm hi\u1ec7n th\u1eddi \u0111ang h\u1ecdc ch\u01b0\u01a1ng tr\u00ecnh Th\u1ea1c s\u0129 qu\u1ea3n tr\u1ecb kinh doanh (MBA), … <\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,26],"tags":[],"class_list":["post-5825","post","type-post","status-publish","format-standard","hentry","category-hoi-va-dap","category-xu-huong-cong-nghe"],"_links":{"self":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/5825","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5825"}],"version-history":[{"count":1,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/5825\/revisions"}],"predecessor-version":[{"id":5826,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/5825\/revisions\/5826"}],"wp:attachment":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}