{"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":"a-era-das-solucoes-financeiras-baseadas-em-ml-uma-nova-era-nas-fintech","status":"publish","type":"post","link":"https:\/\/thecodest.co\/pt\/blog\/the-age-of-ml-driven-financial-solutions-a-new-era-in-fintech\/","title":{"rendered":"A era das solu\u00e7\u00f5es financeiras orientadas para o ML: Uma nova era na Fintech"},"content":{"rendered":"<p>Na minha recente conversa sobre a fus\u00e3o de <strong>intelig\u00eancia artificial <\/strong> (<a href=\"https:\/\/thecodest.co\/pt\/blog\/the-rise-of-ai-in-the-baltics-discussion-on-estonia-latvia-and-lithuanias-tech-scene\/\">IA<\/a>) e  <strong><a href=\"https:\/\/thecodest.co\/pt\/dictionary\/machine-learning\/\">aprendizagem autom\u00e1tica<\/a> <\/strong> no <a href=\"https:\/\/thecodest.co\/pt\/blog\/top-technologies-used-in-european-fintech-development\/\">finan\u00e7as<\/a> No sector da investiga\u00e7\u00e3o, tive o privil\u00e9gio de orientar o di\u00e1logo com perguntas espec\u00edficas. A orientar o nosso mergulho profundo esteve Sebastian Niehaus, um  <strong>Machine Learning Engenheiro <\/strong> com especializa\u00e7\u00e3o em Quantitativo Finance e <a href=\"https:\/\/thecodest.co\/pt\/blog\/guide-to-enterprise-software-development\/\">CTO<\/a> em <a href=\"https:\/\/www.sekasa-technologies.com\" rel=\"nofollow\">Tecnologias SEKASA <\/a>. A vasta experi\u00eancia de Sebastian proporcionou uma vis\u00e3o esclarecedora sobre a crescente simbiose de  <strong>IA e <a href=\"https:\/\/thecodest.co\/pt\/dictionary\/what-is-fintech-in-banking\/\">fintech<\/a> <\/strong>.<\/p>\n<p>Durante a nossa conversa no CTO, o Sebastian e eu mergulh\u00e1mos no mundo da IA e das finan\u00e7as. Apesar de estarmos a quil\u00f3metros de dist\u00e2ncia, a conversa fluiu sem esfor\u00e7o! <\/p>\n<p><img decoding=\"async\" src=\"\/app\/uploads\/2024\/05\/zrzut-ekranu-2023-08-9-o-10.37.52.png\" alt=\"conhecer&lt;em&gt;ecr&atilde;&lt;\/em&gt;duas_pessoas&quot; title=&quot;JJ e SN encontram-se com scr&quot; \/&amp;gt;&lt;\/p&gt;&lt;p&gt;Agora vamos mergulhar no mundo do  &lt;strong&gt;Machine Learning &lt;\/strong&gt; e  &lt;strong&gt;Fintech! &lt;\/strong&gt;&lt;\/p&gt;&lt;p&gt;&lt;b&gt;Jakub: Sebasti&atilde;o, diz &amp;lt;a href=\"https:>n\u00f3s<\/a> porque \u00e9 que uma empresa financeira deve considerar a integra\u00e7\u00e3o da IA na sua atividade di\u00e1ria?<\/b><\/p>\n<p><b>Sebasti\u00e3o<\/b>: Muito simplesmente, permite a an\u00e1lise de grandes quantidades de <a href=\"https:\/\/thecodest.co\/pt\/blog\/app-data-collection-security-risks-value-and-types-explored\/\">dados<\/a> que n\u00e3o podem ser analisadas de outra forma, criando assim <a href=\"https:\/\/thecodest.co\/pt\/dictionary\/what-is-the-size-of-your-potential-reachable-market\/\">mercado<\/a> vantagens.<\/p>\n<p>O Finance tem como objetivo a an\u00e1lise e o tratamento de dados. Independentemente de estarmos a falar de prestadores de servi\u00e7os de pagamento, empresas de investimento, <a href=\"https:\/\/thecodest.co\/pt\/blog\/fintech-app-development-services-features-in-2026\/\">bancos<\/a> ou criadores de mercado. Cada participante no mercado, por mais pequeno que seja, efectua an\u00e1lises com os dados existentes, talvez n\u00e3o com algoritmos sofisticados, mas com outras formas de an\u00e1lise.<\/p>\n<p>O problema com os dados, no entanto, \u00e9 que os pontos de dados independentes s\u00e3o geralmente in\u00fateis, s\u00f3 se tornam interessantes quando lhes \u00e9 adicionado um contexto. Este contexto pode ser acrescentado comparando os dados do caso atual com casos semelhantes ou acrescentando mais dados relacionados e n\u00e3o relacionados. Pode tratar-se, por exemplo, da integra\u00e7\u00e3o de outros mercados ou de dados ambientais nas decis\u00f5es de investimento ou de uma gama mais vasta de transac\u00e7\u00f5es na dete\u00e7\u00e3o de fraudes. <\/p>\n<p><b>Jakub: Olhando deste ponto de vista - o que \u00e9 a IA e a aprendizagem autom\u00e1tica em geral? <\/b><\/p>\n<p><b>Sebasti\u00e3o<\/b>: A intelig\u00eancia artificial (IA) \u00e9 o desenvolvimento de sistemas inform\u00e1ticos capazes de realizar tarefas que normalmente requerem a intelig\u00eancia humana, como a aprendizagem, o racioc\u00ednio, a resolu\u00e7\u00e3o de problemas e a tomada de decis\u00f5es. <\/p>\n<p><strong>Machine Learning<\/strong> \u00e9 um subconjunto da IA que se centra na forma\u00e7\u00e3o de algoritmos para aprender padr\u00f5es e fazer previs\u00f5es a partir de dados retrospectivos para cumprir uma tarefa espec\u00edfica. Assim, descobre padr\u00f5es e mecanismos para automatizar tarefas ou gera novos conhecimentos sobre elas. <\/p>\n<p>Os m\u00e9todos de IA ou de aprendizagem autom\u00e1tica tornaram-se muito populares nos \u00faltimos anos porque s\u00e3o capazes de processar uma grande quantidade de carater\u00edsticas de dados diferentes. Trata-se de uma grande diferen\u00e7a em rela\u00e7\u00e3o aos modelos estat\u00edsticos cl\u00e1ssicos que estamos a utilizar em finan\u00e7as desde os anos 80. <\/p>\n<p><b>Jakub: Essa \u00e9 uma vis\u00e3o interessante! Ent\u00e3o, quais s\u00e3o os benef\u00edcios da aprendizagem autom\u00e1tica para <a href=\"https:\/\/thecodest.co\/pt\/blog\/on-the-radar-top-fintech-companies-in-nevada\/\">Empresas FinTech<\/a>?<\/b><\/p>\n<p><b>Sebasti\u00e3o:<\/b> Numa frase: Est\u00e3o a utilizar todo o seu potencial! <\/p>\n<p>Os FinTech s\u00e3o puros produtores de dados e t\u00eam de lidar com grandes quantidades de dados financeiros e alternativos. A partir destes dados, podem descobrir novos potenciais comerciais, proteger os processos actuais, tornar as suas decis\u00f5es mais transparentes e melhorar a qualidade das suas decis\u00f5es. <\/p>\n<p>Mesmo que os processos, ou especialmente os processos de decis\u00e3o, estejam claramente definidos e a funcionar bem, faz muitas vezes sentido adicionar algoritmos de aprendizagem autom\u00e1tica para proporcionar uma segunda vis\u00e3o e reduzir o erro subjetivo dos seres humanos. Isto pode, por exemplo, evitar que as empresas de investimento fa\u00e7am investimentos FOMO.<\/p>\n<p><b>Jakub: Qual \u00e9 a motiva\u00e7\u00e3o e a justifica\u00e7\u00e3o comercial para integrar a IA?<\/b><\/p>\n<p><b>Sebasti\u00e3o<\/b>: Trata-se frequentemente de garantir vantagens competitivas, otimizar processos ou simplesmente responder a quest\u00f5es espec\u00edficas. Para al\u00e9m disso, h\u00e1 tamb\u00e9m t\u00f3picos como a viabilidade futura - que \u00e9 um problema para empresas financeiras muito estabelecidas, por exemplo. Muitas vezes, estas empresas nem sequer sabem o potencial que existe nos seus dados e fazem um pedido simples: \"Gostar\u00edamos de experimentar o que pode ser melhorado com o Machine Learning na nossa empresa\"<\/p>\n<p>Vou tornar a resposta mais tang\u00edvel com alguns exemplos: <\/p>\n<ul>\n<li>Nos fundos de investimento, existe frequentemente a motiva\u00e7\u00e3o de proporcionar mais seguran\u00e7a aos investidores e, por conseguinte, de desenvolver uma vantagem competitiva. Por exemplo, numa abordagem de investimento em valor, isto pode ser a adi\u00e7\u00e3o de um modelo de aprendizagem autom\u00e1tica como uma inst\u00e2ncia de controlo adicional <\/li>\n<li>No caso das an\u00e1lises em consultoria de fus\u00f5es e aquisi\u00e7\u00f5es, por exemplo, as previs\u00f5es podem ter em conta um n\u00famero significativamente maior de factores de influ\u00eancia e, assim, fornecer ao comprador mais informa\u00e7\u00f5es sobre o potencial alvo. <\/li>\n<\/ul>\n<p>Posso continuar esta lista para sempre: <\/p>\n<ul>\n<li>A automatiza\u00e7\u00e3o baseada na IA pode, al\u00e9m disso, conduzir a uma redu\u00e7\u00e3o dos custos de m\u00e3o de obra e a um aumento da produtividade, resultando em poupan\u00e7as de custos significativas para as empresas.<\/li>\n<li>A integra\u00e7\u00e3o do ML no seu progresso conduzir\u00e1 a uma maior efici\u00eancia. As ferramentas de ML podem automatizar tarefas repetitivas e demoradas, para que o pessoal se possa concentrar mais em tarefas importantes e de valor acrescentado. <\/li>\n<li>Melhorado <a href=\"https:\/\/thecodest.co\/pt\/dictionary\/how-to-develop-a-product\/\">Desenvolvimento de produtos<\/a> \/ Melhoria da estrutura\u00e7\u00e3o da carteira<\/li>\n<li><a href=\"https:\/\/thecodest.co\/pt\/blog\/difference-between-elasticity-and-scalability-in-cloud-computing\/\">Escalabilidade<\/a> (As ferramentas alimentadas por IA podem tratar grandes quantidades de dados e tarefas sem interven\u00e7\u00e3o humana)<\/li>\n<li>Vantagem competitiva (as ferramentas de IA podem conduzir a produtos inovadores)<br \/>\nGest\u00e3o do risco<\/li>\n<li>Experi\u00eancia do cliente personalizada \/ Suporte ao cliente melhorado<br \/>\nAn\u00e1lise preditiva <\/li>\n<\/ul>\n<p><b>Jakub: Vamos falar mais sobre esse t\u00f3pico - quais s\u00e3o alguns casos de utiliza\u00e7\u00e3o populares?<\/b><\/p>\n<p><b>Sebasti\u00e3o<\/b>: Alguns dos mais utilizados s\u00e3o: <\/p>\n<ul>\n<li>Identifica\u00e7\u00e3o de novos clientes<\/li>\n<li>Experi\u00eancia personalizada do cliente  <\/li>\n<li><a href=\"https:\/\/thecodest.co\/pt\/blog\/ai-in-customer-service-benefits-challenges-and-effective-implementation\/\">Servi\u00e7o ao cliente<\/a> Automatiza\u00e7\u00e3o: Identifica\u00e7\u00e3o do risco de falha de cr\u00e9dito \/ Avalia\u00e7\u00e3o do risco de cr\u00e9dito <\/li>\n<li>Dete\u00e7\u00e3o de fraudes<\/li>\n<li>Conformidade regulamentar<\/li>\n<li>Identifica\u00e7\u00e3o de sinais para pre\u00e7os de mercados de ac\u00e7\u00f5es, forex e mercadorias<\/li>\n<li>Previs\u00f5es de pre\u00e7os<\/li>\n<li>Identifica\u00e7\u00e3o dos riscos de mercado<\/li>\n<li>Testes de esfor\u00e7o<\/li>\n<li>Otimiza\u00e7\u00e3o da carteira <\/li>\n<\/ul>\n<p><b>Jakub: Como \u00e9 que a aprendizagem autom\u00e1tica pode ser integrada nos FinTechs?<\/b><\/p>\n<p><b>Sebasti\u00e3o<\/b>: \u00c9 importante come\u00e7ar com o caso de neg\u00f3cio e os processos actuais. Isto parece ser \u00f3bvio, mas \u00e9 comum que este ponto seja completamente subestimado e muitas vezes esquecido. <\/p>\n<ul>\n<li>Definir caso de utiliza\u00e7\u00e3o \/ caso de neg\u00f3cio<\/li>\n<li>Verificar os processos actuais e definir objectivos relevantes<\/li>\n<li>Definir dados relevantes, dispon\u00edveis e necess\u00e1rios<\/li>\n<li>Recolha e pr\u00e9-processamento de dados <\/li>\n<li>Modelo e cria\u00e7\u00e3o de infra-estruturas   <\/li>\n<li>Sele\u00e7\u00e3o de modelos<\/li>\n<li>Engenharia de recursos<\/li>\n<li>Forma\u00e7\u00e3o de modelos<\/li>\n<li>Avalia\u00e7\u00e3o do modelo<\/li>\n<li>Implanta\u00e7\u00e3o<\/li>\n<li>Conce\u00e7\u00e3o de relat\u00f3rios \/ resultados<\/li>\n<li>Gera\u00e7\u00e3o de relat\u00f3rios<\/li>\n<li>Interpreta\u00e7\u00e3o dos resultados<\/li>\n<li>Controlo e manuten\u00e7\u00e3o cont\u00ednuos <\/li>\n<\/ul>\n<p><b>Jakub: Tendo em conta a vossa experi\u00eancia, qual \u00e9 a dificuldade de integrar a aprendizagem autom\u00e1tica nos processos das empresas FinTech?<\/b><\/p>\n<p><b>Sebasti\u00e3o<\/b>: <\/p>\n<ul>\n<li>Tudo depende da disponibilidade e da qualidade dos dados. <\/li>\n<li>S\u00e3o necess\u00e1rias infra-estruturas inform\u00e1ticas robustas e capacidade de computa\u00e7\u00e3o. <\/li>\n<li>Recursos humanos com o dom\u00ednio certo de especializa\u00e7\u00e3o e conhecimento <\/li>\n<li>A privacidade e a seguran\u00e7a dos dados devem ser tidas em conta em qualquer altura.<\/li>\n<li>A integra\u00e7\u00e3o do ML em determinados processos pode levar a actualiza\u00e7\u00f5es necess\u00e1rias no processo atual. <\/li>\n<li>A compreens\u00e3o dos resultados e a sua correta interpreta\u00e7\u00e3o podem ser dif\u00edceis. <\/li>\n<li>Os modelos t\u00eam de ser testados e verificados continuamente.<\/li>\n<li>Acompanhamento e manuten\u00e7\u00e3o cont\u00ednuos. <\/li>\n<\/ul>\n<p>Pode parecer muito, mas muitas destas tarefas podem ser normalizadas e automatizadas. E, uma vez integradas, os benef\u00edcios compensam rapidamente o esfor\u00e7o.<\/p>\n<p><b>Jakub: O que mencionou anteriormente leva a uma pergunta - at\u00e9 que ponto os modelos de aprendizagem autom\u00e1tica s\u00e3o adapt\u00e1veis a ambientes em mudan\u00e7a?<\/b><\/p>\n<p><b>Sebasti\u00e3o<\/b>: Os modelos de aprendizagem autom\u00e1tica s\u00e3o altamente adapt\u00e1veis e devem ser capazes de responder rapidamente a ambientes em mudan\u00e7a. Podem ser adaptados a ambientes em mudan\u00e7a atrav\u00e9s de t\u00e9cnicas como a reciclagem de dados actualizados, a transfer\u00eancia de aprendizagem e a monitoriza\u00e7\u00e3o cont\u00ednua. Isto garante que o desempenho dos modelos de aprendizagem autom\u00e1tica se mant\u00e9m relevante e exato ao longo do tempo.<\/p>\n<p>Exemplo: Para sociedades comerciais.<\/p>\n<p>Os sinais de negocia\u00e7\u00e3o para forex ou mercadorias podem mudar, por exemplo, devido a altera\u00e7\u00f5es no comportamento de outros participantes no mercado. Podemos ver isto, por exemplo, atrav\u00e9s do aumento das aplica\u00e7\u00f5es de negocia\u00e7\u00e3o, mas tamb\u00e9m atrav\u00e9s de eventos mais avan\u00e7ados.<\/p>\n<p>Por este motivo, as empresas que j\u00e1 trabalham com m\u00e9todos quantitativos devem considerar sempre a possibilidade de manter os seus algoritmos actualizados e incluir novas ideias. <\/p>\n<p><b>Jakub<\/b>: Sebasti\u00e3o Obrigado por uma conversa esclarecedora. Estamos ansiosos por ver mais crescimento e inova\u00e7\u00e3o neste dom\u00ednio!<\/p>\n<p><b>Sebasti\u00e3o<\/b>: O prazer \u00e9 meu, Jakub. Aprecio esta plataforma, pois permitiu-nos discutir os progressos interessantes no nosso dom\u00ednio e a sua import\u00e2ncia no panorama digital em constante mudan\u00e7a.<\/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=\"Contactos JJ\" \/><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Uma conversa perspicaz com Sebastian Niehaus, CTO da SEKASA Technologies, sobre o papel transformador da IA e da aprendizagem autom\u00e1tica no sector das fintech.<\/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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