{"id":3637,"date":"2023-08-09T08:29:27","date_gmt":"2023-08-09T08:29:27","guid":{"rendered":"http:\/\/the-codest.localhost\/blog\/the-age-of-ml-driven-financial-solutions-a-new-era-in-fintech\/"},"modified":"2024-08-09T11:21:45","modified_gmt":"2024-08-09T11:21:45","slug":"ml-pohiste-finantslahenduste-ajastu-fintechi-uus-ajastu","status":"publish","type":"post","link":"https:\/\/thecodest.co\/et\/blog\/the-age-of-ml-driven-financial-solutions-a-new-era-in-fintech\/","title":{"rendered":"ML-p\u00f5histe finantslahenduste ajastu: Fintech'i uus ajastu"},"content":{"rendered":"<p>Minu hiljutises vestluses fusiooni kohta <strong>tehisintellekt <\/strong> (<a href=\"https:\/\/thecodest.co\/et\/blog\/the-rise-of-ai-in-the-baltics-discussion-on-estonia-latvia-and-lithuanias-tech-scene\/\">AI<\/a>) ja  <strong><a href=\"https:\/\/thecodest.co\/et\/dictionary\/machine-learning\/\">masin\u00f5pe<\/a> <\/strong> aastal <a href=\"https:\/\/thecodest.co\/et\/blog\/top-technologies-used-in-european-fintech-development\/\">rahandus<\/a> sektoris oli mul privileeg juhtida dialoogi teravate k\u00fcsimustega. Meie s\u00fcgavuti sukeldumist juhtis Sebastian Niehaus, kes on  <strong>Machine Learning Insener <\/strong> spetsialiseerunud kvantitatiivsele Finance ja <a href=\"https:\/\/thecodest.co\/et\/blog\/guide-to-enterprise-software-development\/\">CTO<\/a> aadressil <a href=\"https:\/\/www.sekasa-technologies.com\" rel=\"nofollow\">SEKASA Technologies <\/a>. Sebastiani laialdased teadmised andsid valgustava \u00fclevaate kasvavast s\u00fcmbioosist ja  <strong>AI ja <a href=\"https:\/\/thecodest.co\/et\/dictionary\/what-is-fintech-in-banking\/\">fintech<\/a> <\/strong>.<\/p>\n<p>Meie CTO vestluse k\u00e4igus s\u00fcvenesime Sebastianiga tehisintellekti ja rahanduse maailma. Hoolimata sellest, et me oleme \u00fcksteisest miilide kaugusel, sujus vestlus vaevata! <\/p>\n<p><img decoding=\"async\" src=\"\/app\/uploads\/2024\/05\/zrzut-ekranu-2023-08-9-o-10.37.52.png\" alt=\"kohtuda&lt;em&gt;ekraan&lt;\/em&gt;two_people&quot; title=&quot;JJ ja SN kohtumine scr&quot; \/&amp;gt;&lt;\/p&gt;&lt;p&gt;N&uuml;&uuml;d sukeldume maailma  &lt;strong&gt;Machine Learning &lt;\/strong&gt; ja  &lt;strong&gt;Fintech! &lt;\/strong&gt;&lt;\/p&gt;&lt;p&gt;&lt;b&gt;Jakub: Sebastian, &uuml;tle &amp;lt;a href=\"https:>us<\/a> miks peaks finantsettev\u00f5te kaaluma tehisintellekti integreerimist oma igap\u00e4evat\u00f6\u00f6sse?<\/b><\/p>\n<p><b>Sebastian<\/b>: Lihtsalt \u00f6eldes v\u00f5imaldab see anal\u00fc\u00fcsida suuri koguseid <a href=\"https:\/\/thecodest.co\/et\/blog\/app-data-collection-security-risks-value-and-types-explored\/\">andmed<\/a> mida ei saa muul viisil anal\u00fc\u00fcsida, luues seega m\u00e4rkimisv\u00e4\u00e4rse <a href=\"https:\/\/thecodest.co\/et\/dictionary\/what-is-the-size-of-your-potential-reachable-market\/\">turg<\/a> eelised.<\/p>\n<p>Finance tegeleb andmete anal\u00fc\u00fcsimise ja t\u00f6\u00f6tlemisega. S\u00f5ltumata sellest, kas me r\u00e4\u00e4gime makseteenuse pakkujatest, investeerimisfirmadest, <a href=\"https:\/\/thecodest.co\/et\/blog\/fintech-app-development-services-features-in-2026\/\">pangad<\/a> v\u00f5i turutegijad. Iga turuosaline, \u00fcksk\u00f5ik kui v\u00e4ike ta ka poleks, teeb anal\u00fc\u00fcse olemasolevate andmete p\u00f5hjal, v\u00f5ib-olla mitte v\u00e4ljam\u00f5eldud algoritmide, vaid muude anal\u00fc\u00fcsivormide abil.<\/p>\n<p>Andmete probleem on aga selles, et iseseisvad andmepunktid on tavaliselt kasutud, need muutuvad huvitavaks alles siis, kui neile lisatakse kontekst. Seda konteksti saab lisada, kui v\u00f5rrelda praeguse juhtumi andmeid sarnaste juhtumitega v\u00f5i lisada rohkem seotud ja mitteseotud andmeid. See v\u00f5ib olla n\u00e4iteks teiste turgude v\u00f5i keskkonnaandmete integreerimine investeerimisotsuste tegemisel v\u00f5i laiem tehingute valik pettuse tuvastamisel. <\/p>\n<p><b>Jakub: Sellest vaatenurgast vaadates - mis on tehisintellekt ja masin\u00f5pe \u00fcldiselt? <\/b><\/p>\n<p><b>Sebastian<\/b>: Tehisintellekt (AI) on arvutis\u00fcsteemide arendamine, mis on v\u00f5imelised t\u00e4itma \u00fclesandeid, mis tavaliselt n\u00f5uavad inimese intelligentsust, nagu \u00f5ppimine, arutlemine, probleemide lahendamine ja otsuste tegemine. <\/p>\n<p><strong>Machine Learning<\/strong> on tehisintellekti alaliik, mis keskendub algoritmide treenimisele, et \u00f5ppida mustreid ja teha prognoose tagasiulatuvatest andmetest, et t\u00e4ita konkreetset \u00fclesannet. Seega avastab see mustreid ja mehhanisme \u00fclesannete automatiseerimiseks v\u00f5i loob uusi teadmisi nende kohta. <\/p>\n<p>Tehisintellekti v\u00f5i masin\u00f5ppe meetodid on viimastel aastatel muutunud nii populaarseks, sest nad on v\u00f5imelised t\u00f6\u00f6tlema suurt hulka erinevaid andmete omadusi. See on suur erinevus klassikalistest statistilistest mudelitest, mida me kasutame rahanduses alates 80ndatest aastatest. <\/p>\n<p><b>Jakub: Jakub: See on huvitav arusaam! Millised on siis masin\u00f5ppe eelised <a href=\"https:\/\/thecodest.co\/et\/blog\/on-the-radar-top-fintech-companies-in-nevada\/\">FinTech ettev\u00f5tted<\/a>?<\/b><\/p>\n<p><b>Sebastian:<\/b> \u00dches lauses: Nad kasutavad kogu oma potentsiaali! <\/p>\n<p>FinTechd on puhtalt andmetootjad ja nad peavad tegelema suure hulga finants- ja alternatiivsete andmetega. Nendest andmetest saavad nad avastada uusi \u00e4riv\u00f5imalusi, kindlustada olemasolevaid protsesse, muuta oma otsused l\u00e4bipaistvamaks ja parandada otsuste kvaliteeti. <\/p>\n<p>Isegi kui protsessid v\u00f5i eriti otsustusprotsessid on selgelt m\u00e4\u00e4ratletud ja h\u00e4sti toimivad, on sageli m\u00f5istlik lisada masin\u00f5ppe algoritmid, et pakkuda teist vaatenurka ja v\u00e4hendada inimeste subjektiivseid vigu. See v\u00f5ib n\u00e4iteks takistada investeerimisfirmade FOMO-investeeringuid.<\/p>\n<p><b>Jakub: Mis on tehisintellekti integreerimise motivatsioon ja \u00e4riline p\u00f5hjus?<\/b><\/p>\n<p><b>Sebastian<\/b>: Sageli on tegemist konkurentsieeliste kindlustamise, protsesside optimeerimise v\u00f5i lihtsalt konkreetsetele k\u00fcsimustele vastamisega. Lisaks sellele on ka selliseid teemasid nagu tulevikuv\u00f5imelisus - mis on n\u00e4iteks v\u00e4ga v\u00e4ljakujunenud finantsettev\u00f5tete jaoks probleemiks. Need ettev\u00f5tted ei tea sageli isegi, milline potentsiaal nende andmetes peitub, ja tulevad lihtsa palvega: \"Me tahaksime proovida, mida saab meie ettev\u00f5ttes Machine Learning abil parandada\".<\/p>\n<p>Lubage mul muuta vastus m\u00f5ne n\u00e4ite abil k\u00e4egakatsutavamaks: <\/p>\n<ul>\n<li>Investeerimisfondides on sageli motivatsioon pakkuda investoritele suuremat turvalisust ja seega loomulikult arendada konkurentsieelist. N\u00e4iteks v\u00e4\u00e4rtusinvesteeringute puhul v\u00f5ib see olla masin\u00f5ppe mudeli lisamine t\u00e4iendava kontrolliinstantsina. <\/li>\n<li>M&amp;A-konsultatsioonide anal\u00fc\u00fcside puhul saab n\u00e4iteks prognooside puhul arvesse v\u00f5tta oluliselt rohkem m\u00f5jutavaid tegureid ja seega anda ostjale rohkem teavet potentsiaalse sihtkoha kohta. <\/li>\n<\/ul>\n<p>Ma v\u00f5in seda nimekirja j\u00e4tkata igavesti: <\/p>\n<ul>\n<li>Tehisintellektip\u00f5hine automatiseerimine v\u00f5ib lisaks v\u00e4hendada t\u00f6\u00f6j\u00f5ukulusid ja suurendada tootlikkust, mille tulemuseks on m\u00e4rkimisv\u00e4\u00e4rne kulude kokkuhoid ettev\u00f5tetele.<\/li>\n<li>ML-i integreerimine teie edusammudesse toob kaasa suurema t\u00f5hususe. ML-vahendid v\u00f5ivad automatiseerida korduvaid ja aegan\u00f5udvaid \u00fclesandeid, nii et t\u00f6\u00f6tajad saavad rohkem keskenduda olulistele ja v\u00e4\u00e4rtust lisavatele \u00fclesannetele. <\/li>\n<li>Parandatud <a href=\"https:\/\/thecodest.co\/et\/dictionary\/how-to-develop-a-product\/\">Tootearendus<\/a> \/ Parem portfelli struktureerimine<\/li>\n<li><a href=\"https:\/\/thecodest.co\/et\/blog\/difference-between-elasticity-and-scalability-in-cloud-computing\/\">Skaleeritavus<\/a> (tehisintellektip\u00f5hised t\u00f6\u00f6riistad suudavad k\u00e4sitleda suuri andmehulki ja \u00fclesandeid ilma inimese sekkumiseta)<\/li>\n<li>Konkurentsieelis (tehisintellekti vahendid v\u00f5ivad viia uuenduslike toodete v\u00e4ljat\u00f6\u00f6tamiseni)<br \/>\nRiskijuhtimine<\/li>\n<li>Personaalne kliendikogemus \/ t\u00e4iustatud klienditugi<br \/>\nEnnustav anal\u00fc\u00fctika <\/li>\n<\/ul>\n<p><b>Jakub: Millised on m\u00f5ned populaarsed kasutusjuhud?<\/b><\/p>\n<p><b>Sebastian<\/b>: M\u00f5ned k\u00f5ige enam kasutatavad on: <\/p>\n<ul>\n<li>Uute klientide tuvastamine<\/li>\n<li>Personaalne kliendikogemus  <\/li>\n<li><a href=\"https:\/\/thecodest.co\/et\/blog\/ai-in-customer-service-benefits-challenges-and-effective-implementation\/\">Klienditeenindus<\/a> Automatiseerimine: Krediidiriski tuvastamine \/ krediidiriski hindamine <\/li>\n<li>Pettuste tuvastamine<\/li>\n<li>\u00d5igusaktide j\u00e4rgimine<\/li>\n<li>Aktsiaturgude, valuutaturgude ja kaupade signaalide tuvastamine<\/li>\n<li>Hinnaprognoosid<\/li>\n<li>Tururiskide tuvastamine<\/li>\n<li>Stressitestid<\/li>\n<li>Portfelli optimeerimine <\/li>\n<\/ul>\n<p><b>Jakub: Kuidas saab masin\u00f5ppe integreerida FinTechsse?<\/b><\/p>\n<p><b>Sebastian<\/b>: Oluline on alustada \u00e4rijuhtumist ja praegustest protsessidest. See n\u00e4ib olevat ilmselge, kuid sageli on see punkt t\u00e4iesti alahinnatud ja j\u00e4etakse sageli t\u00e4helepanuta. <\/p>\n<ul>\n<li>Kasutusjuhtumi \/ \u00e4rijuhtumi m\u00e4\u00e4ratlemine<\/li>\n<li>Kontrollida praeguseid protsesse ja seada asjakohased eesm\u00e4rgid<\/li>\n<li>Asjakohaste, k\u00e4ttesaadavate ja vajalike andmete m\u00e4\u00e4ratlemine<\/li>\n<li>Andmete kogumine ja eelt\u00f6\u00f6tlus <\/li>\n<li>Mudel ja infrastruktuuri \u00fclesehitus   <\/li>\n<li>Mudeli valik<\/li>\n<li>Funktsioon Engineering<\/li>\n<li>Mudelkoolitus<\/li>\n<li>Mudeli hindamine<\/li>\n<li>Kasutuselev\u00f5tmine<\/li>\n<li>Aruande \/ v\u00e4ljundi kujundamine<\/li>\n<li>Aruande koostamine<\/li>\n<li>Tulemuste t\u00f5lgendamine<\/li>\n<li>Pidev j\u00e4relevalve ja hooldus <\/li>\n<\/ul>\n<p><b>Jakub: Kui raske on masin\u00f5ppe integreerimine FinTech ettev\u00f5tete protsessidesse?<\/b><\/p>\n<p><b>Sebastian<\/b>: <\/p>\n<ul>\n<li>K\u00f5ik s\u00f5ltub andmete k\u00e4ttesaadavusest ja kvaliteedist. <\/li>\n<li>Vaja on tugevat IT-infrastruktuuri ja arvutusv\u00f5imsust. <\/li>\n<li>\u00d5igete teadmiste ja oskustega inimressursid <\/li>\n<li>Andmete privaatsust ja turvalisust tuleb igal ajal arvesse v\u00f5tta.<\/li>\n<li>ML-i integreerimine antud protsessidesse v\u00f5ib kaasa tuua vajalikud uuendused praeguses protsessis. <\/li>\n<li>Tulemuste m\u00f5istmine ja \u00f5ige t\u00f5lgendamine v\u00f5ib olla keeruline. <\/li>\n<li>Mudeleid tuleb pidevalt testida ja kontrollida.<\/li>\n<li>Pidev j\u00e4relevalve ja hooldus. <\/li>\n<\/ul>\n<p>See v\u00f5ib tunduda palju, kuid paljud neist \u00fclesannetest on v\u00f5imalik standardiseerida ja automatiseerida. Ja kui need on integreeritud, kaalub kasu kiiresti \u00fcles k\u00f5ik j\u00f5upingutused.<\/p>\n<p><b>Jakub: See, mida te eelnevalt mainisite, tekitab k\u00fcsimuse - kui kohanemisv\u00f5imelised on masin\u00f5ppe mudelid muutuva keskkonnaga?<\/b><\/p>\n<p><b>Sebastian<\/b>: Masin\u00f5ppe mudelid on v\u00e4ga kohanemisv\u00f5imelised ja peavad suutma kiiresti reageerida muutuvale keskkonnale. Neid saab kohandada muutuva keskkonnaga selliste tehnikate abil nagu \u00fcmber\u00f5pe uuendatud andmete p\u00f5hjal, \u00fclekande\u00f5pe ja pidev j\u00e4lgimine. See tagab, et masin\u00f5ppe mudelite j\u00f5udlus j\u00e4\u00e4b aja jooksul asjakohaseks ja t\u00e4pseks.<\/p>\n<p>N\u00e4ide: Kaubandusettev\u00f5tete puhul.<\/p>\n<p>Forexi v\u00f5i kaupade kauplemissignaalid v\u00f5ivad muutuda n\u00e4iteks teiste turuosaliste k\u00e4itumise muutumise t\u00f5ttu. Seda n\u00e4eme n\u00e4iteks kauplemisrakenduste t\u00f5usu kaudu, aga ka edasij\u00f5udnute s\u00fcndmuste kaudu.<\/p>\n<p>Seet\u00f5ttu peaksid ettev\u00f5tted, kes juba t\u00f6\u00f6tavad kvantitatiivsete meetoditega, alati kaaluma oma algoritmide ajakohastamist ja uute ideede kaasamist. <\/p>\n<p><b>Jakub<\/b>: Sebastian T\u00e4nan teid sisuka vestluse eest. Oleme p\u00f5nevil, et n\u00e4ha rohkem kasvu ja innovatsiooni selles valdkonnas!<\/p>\n<p><b>Sebastian<\/b>: Minu r\u00f5\u00f5m, Jakub. Hindan seda platvormi k\u00f5rgelt, sest see v\u00f5imaldas meil arutada meie valdkonna p\u00f5nevaid edusamme ja selle t\u00e4htsust pidevalt muutuval digitaalsel maastikul.<\/p>\n<p><a href=\"https:\/\/calendly.com\/kuba_thecodest\/30min?month=2023-09\"><img decoding=\"async\" src=\"\/app\/uploads\/2024\/05\/let-s-discuss-the-obstacles-you-face-as-a-cto-2-.png\" alt=\"belka kontaktowa JJ\" \/><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Teravmeelne vestlus SEKASA Technologiesi CTO Sebastian Niehausiga tehisintellekti ja masin\u00f5ppe transformatiivsest rollist fintech-sektoris.<\/p>","protected":false},"author":2,"featured_media":3638,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4,15],"tags":[],"class_list":["post-3637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-enterprise-scaleups-solutions","category-fintech"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - 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