Ingabe i-AI izothatha indawo yama-ejenti omshwalense? [Ividiyo kanye nombuzo]

Impendulo emfushane: I-AI isivele izenzekela izingxenye ezinkulu zomsebenzi womshuwalense - ukungenisa, ukucaphuna, ukuhlinzeka njalo, kanye nezingxenye zezimangalo - ngakho-ke izindima ze-ejenti yokuthengiselana zizoncipha uma inzuzo yazo eyinhloko ishesha ezinqubomgomo ezijwayelekile. Kodwa ama-ejenti ngeke anyamalale: abantu basabalulekile lapho kuvela khona ukuzibophezela, izingozi eziyinkimbinkimbi, kanye namacala omkhawulo wezimangalo ezinzima.

Izinto ezibalulekile okufanele uzicabangele:

Ukuzenzakalela: Ukungenisa okungaxhunyiwe ku-inthanethi, ukuqhathanisa, ukuvuselela, kanye nezinguquko eziyisisekelo zokunciphisa isikhathi sokuphatha.

Ukuziphendulela: Gcina umuntu oqanjwe ngegama enesibopho lapho iseluleko noma izincazelo zokumbozwa zithinta imiphumela.

Ubunzima: Gxila kubuchwepheshe babantu ezinqumweni zokumboza ezentengiselwano, ezinenzuzo ephezulu, kanye nezinezigaba eziningi.

Izimangalo: Sebenzisa i-AI ukuze uhlele futhi ukhiphe amadokhumenti, uthuthukise izingxoxo kanye nokukhishwa kwabantu.

Ukuthobela imithetho: Kudinga ukuchazeka, ukulawulwa kokukhetha, kanye nezindlela zokuhlola ukuze kwenziwe izinqumo nezeluleko ezizenzakalelayo.

Ukubona ikhotheshini yomshuwalense iphuma ngemizuzwana embalwa kungabangela umcabango othi: “Kulungile… yilokho-ke, ama-ejenti ayathandeka.” Abantu abaningi bafika lapho. Iqiniso liphambene kakhulu - futhi, empeleni, liyathakazelisa kakhulu. I-AI ilimaza izingxenye zomsebenzi womshuwalense - izingxenye ezingathandeki, izingxenye eziphindaphindayo, izingxenye ezenza abantu bakhamuluke phakathi nomusho. Ukufaka esikhundleni ama-ejenti omshuwalense kusukela ekuqaleni kuya ekugcineni, nokho, kusesimweni esihlukile sesicelo. Kufana nokuthi i-calculator ithathe indawo yabagcini bamabhuku. Akuzange kushintshe lokho okufunwa yi-accountant. (McKinsey; Reuters)

Ngakho-ke lokhu kuxoxwa njengabantu abadala abasalokhu bethuka phakathi kwamabili 😅.

Izihloko ongase uthande ukuzifunda ngemva kwalesi:

🔗 Ingabe i-AI izothatha indawo yababhali bezimali?
Indlela ezenzakalelayo ezishintsha ngayo imisebenzi yokubala kanye namathuba emisebenzi yesikhathi esizayo.

🔗 Ingabe i-AI izothatha indawo yodokotela bemisebe?
Ihlola amathuluzi okuthwebula izithombe ze-AI, imikhawulo yokunemba, kanye noshintsho lwabasebenzi be-radiology.

🔗 Ingabe i-AI izothatha indawo yamabhange okutshalwa kwezimali?
Ihlukanisa imisebenzi yokwenza izivumelwano, amandla e-AI, kanye namakhono ebhange asadingeka.

🔗 Imisebenzi i-AI ayikwazi ukuyishintsha kanye naleyo ezoyishintsha
Umbono womhlaba wonke ngezindima ezikwazi ukumelana ne-AI kanye nemisebenzi esengozini.

Umbuzo obuzwa yiwo wonke umuntu (ngisho noma bengawusho) 😬

Uma abantu bethi “Ingabe i-AI izothatha indawo yama-Insurance Agents,” abavamile ukunikeza impendulo ehlanzekile nengathathi hlangothi. Ingqikithi ivame ukuba:

• "Ingabe ngisazoba nomsebenzi?"

• "Ingabe ngizothola isivumelwano esingcono ngaphandle komuntu?"

• "Ingabe ngizokhohliswa yi-chatbot ezwakala iqiniseka kodwa... inephutha?"

• “Uma into ethile ingithinta eceleni, ngimemeza bani?” (Masibe qotho.)

Umshwalense uthinta imizwa ngisho noma uzenza sengathi awunjalo. Imali, ingozi, ukwesaba, kanye namaphepha afihliwe njengenkokhelo yanyanga zonke ehlelekile. I-AI yenza kahle amaphepha. Ukwesaba… hhayi kangako.

Lokho i-AI esivele ikwenza kangcono kunabantu (yebo, ngishilo) ⚡🤖

Kwezinye izindawo, i-AI ishesha futhi ihambisana kangcono kune-ejenti yomuntu ngosuku lwabo oluhle kakhulu ngemva kokuphuza ikhofi ezimbili:

• Ukufakwa kwedatha kanye nokufaneleka kwangaphambili: Ukudonsa imininingwane eyisisekelo, ukubona izinkambu ezingekho, ukukushukumisela ukuba ulungise.

• Ukuqhathanisa izingcaphuno: Ukuhlunga ngokwemali edonswayo, imikhawulo yokumboza, izengezo, amabhendi entengo.

• Isevisi yenqubomgomo ejwayelekile: Izibuyekezo zekheli, amakhadi omazisi, izikhumbuzi zokukhokha, izincomo eziyisisekelo.

• Ukutholwa kwephethini yokukhwabanisa: Akuphelele, kodwa i-AI ilungile ekuboneni "lokhu kubukeka kuphambene ngokwezibalo".

• Ukushayela ucingo/ukuxoxa: Ukukuyisa emnyangweni ofanele ngaphandle kokudluliselwa kweshumi nanhlanu (ngezinye izikhathi).

Uma ukuxhumana kwakho ne-ejenti kugxile kakhulu ekutheni “ngitholele isilinganiso ngokushesha,” i-AI isivele iphazamisa lowo msebenzi. Akuwona wonke umsebenzi - kodwa ingxenye encane, futhi ingxenye encane. (McKinsey; Deloitte)

Yini eyenza uhlobo oluhle lwe-ejenti yomshuwalense 🧠🧾

Lena yingxenye abantu abayigwemayo, bese bezibuza ukuthi kungani ingxoxo idideka kamuva.

I-ejenti yomshuwalense "enhle" akuyona nje iphrinta yesilinganiso enezwi elimnandi. Uhlobo oluhle lwe-ejenti yomshuwalense lunenhlanganisela yamakhono anjengobuntu:

• Ukuhumusha ingozi: Ukuguqula "imigomo yokumboza" ibe "okwenzekani uma uphahla lwakho luvuza futhi uphahla lomakhelwane wakho luba yimpophoma."

• Ukutholwa: Ukubuza imibuzo obungayazi kwakubalulekile, njengokuthi “Ingabe uqhuba ibhizinisi ekhaya?” noma “Ubani ngempela oshayela leyo moto?”

• Ukuqeqeshwa kokushintshana: Kukusiza ukuthi ukhethe phakathi kwe-premium ne-deductible ngaphandle kokwenza sengathi kukhona isidlo sasemini samahhala esimangalisayo.

• Ukuzulazula kwenkampani: Ukwazi ukuthi yibaphi abanikezeli bomshuwalense abavame ukuba bushelelezi ezicelweni, abakhethayo, abazonda izingozi ezithile.

• Ukumela lapho kuba kubi: Izingxabano zezimangalo, ukudideka, ukuphika, amacala angavamile onqenqemeni.

Nasi isifaniso esintengantengayo esisasebenza: I-AI iyisikena sokudla esisheshayo kakhulu 🛒. I-ejenti enhle ngumngane okuyekisa ukuthenga izithako ezingahambisani bese ekusiza ukupheka lapho ikhishi lisha. Kuyamangalisa kancane - kodwa akukude.

Lapho i-AI ingathatha khona indawo yemisebenzi ye-ejenti (hhayi i-ejenti, imisebenzi) 🧩🤖

Lolu ushintsho olubalulekile: imisebenzi iyinqwaba yemisebenzi. I-AI ivame ukuyihlukanisa. (McKinsey)

Imisebenzi cishe izosebenza kanzima ngokuzenzakalelayo

• Isilinganiso esiyisisekelo sezingozi ezijwayelekile

• Ukuhlolwa kokubhaliswa kokuqala

• Ukucutshungulwa kwamadokhumenti (izicelo, ubufakazi bomshuwalense, ukuvuselelwa)

• Usekelo lwamakhasimende olusezingeni le-FAQ

• Izinguquko ezilula zokumboza (engeza imoto, susa umshayeli, buyekeza ikheli)

Imisebenzi i-AI izosiza kodwa ngeke ibe negunya eliphelele (okungenani hhayi elithembekile)

• Ukubekwa komshwalense wezentengiselwano okuyinkimbinkimbi

• Imigqa yomuntu siqu enenani eliphezulu enezakhiwo eziningi, izinto eziqoqwayo, izendlalelo zesambulela

• Ukukhuthaza izimangalo kanye nokwenyusa

• Ukwelulekwa ngesembozo kanye nokuziphendulela kwangempela

Ngakho-ke uma incwadi yakho yebhizinisi igxile kakhulu ezinqubweni zezimpahla futhi "inani" liyisivinini... ingcindezi ingokoqobo 😬.

Kungani ukufaka okunye esikhundleni salokho kunzima kakhulu kunalokho okubukekayo 🧍♀️⚖️

Ngisho noma i-AI ingenza u-80% womsebenzi, u-20% wokugcina yingxenye ebangela ukuqulwa kwamacala, ukukhanselwa, kanye nokulimala kwedumela. Umshuwalense unamaqiniso amathathu aqinile:

1) Ukuziphendulela kubalulekile

Uma i-AI inikeza isincomo esibi, ubani ongumnikazi wayo? Umphathi wenethiwekhi? Ipulatifomu? Ikhasimende ngokuyethemba? Lokho akusikho nje ifilosofi - kuyasebenza. (NAIC)

2) Abantu abachazi ingozi ngendlela ecacile

Abantu bayakhohlwa izinto, bayayiqonda imibuzo, noma bafaka ulwazi olungalungile ngokuzethemba. I-AI ingasiza ekubambeni ukungahambisani, yebo, kodwa kusaxhomeke ekufakweni. Faka udoti, khipha udoti othakazelisayo 😵💫.

3) Amakesi e-Edge angumdlalo wonke

Izikhathi odinga kakhulu umshwalense yilapho kwenzeka into engavamile. Umonakalo wempahla oyinqaba, umthwalo wemfanelo ongavamile, izingozi zamaqembu amaningi, ukuphazamiseka kwebhizinisi. Amacala e-Edge yilapho abantu besathola khona imali yabo.

Ithebula Lokuqhathanisa: izinketho eziphezulu amakhasimende azisebenzisayo ngempela 🧾🔍

Ngezansi umbono osebenzayo wokuthi "izinto ezithatha indawo" zibukeka kanjani endle. Kunezinhlobo ezithambile zokufometha ezifakiwe ngoba, empeleni, iqiniso liyinqaba.

Kukhona okuqaphelile? “Ophumelelayo” kuncike kulokho okubheka njengokubalulekile: isivinini, ubulula, ukulawula, ukuqinisekiswa, noma umuntu okufanele umsole. Yebo, ukusola kuyisici ngezinye izikhathi 😅.

Ukuthengisa nokusabalalisa: umnyango wangaphambili uyashintsha 🚪🤖

Ukuthengisa yilapho i-AI ibukeka iphazamisa kakhulu ngoba ilinganiswa khona. Ama-lead ayangena, amafomu ayagcwaliswa, izingcaphuno ziyaphuma, amanani avaliwe ayalandelwa. I-AI iyayithanda imifudlana. Abantu… ngezinye izikhathi bayakhohlwa ukulandelela ngoba inja yabo yagula. Kuyenzeka.

Yiziphi izinguquko ekuthengisweni

• I-AI ingafanelekela ukuhola ngokushesha

• I-AI ingasebenzisa izimo zesilinganiso ngokushesha (i-deductible up, i-premium down; i-deductible down, i-premium up)

• I-AI ingenza imiyalezo ibe ngeyakho ngobukhulu (ngezinye izikhathi iyesabeka, ngezinye izikhathi iyasiza) (McKinsey)

Yini engahambi

• Ukwakha ukwethembana kokuthenga okunenjongo

• Ukuchaza izinto ezingafakwanga ngaphandle kokwenza amehlo omuntu akhanye

• Ukuthola ukuthi ikhasimende aliqondi yini eliyithengayo

Enye yezingozi ezinkulu ezingabonakali: I-AI "ingenza ngcono" ukuguqulwa. Lokho kungashukumisela abantu ekubeni ne-underinsurance ngoba kushibhile futhi kulula ukusho ukuthi yebo. I-ejenti engumuntu ebaluleke kakhulu ngezinye izikhathi izokukwenza ungabi nenketho eshibhile. Lokho kudlala kabi kudeshibhodi yokukhula, kodwa kuyisevisi ebonakalayo.

Izimangalo: lapho ukuzethemba kwerobhothi kungabuyisela emuva 😵💫🧯

Izimangalo yilapho i-AI ingasiza khona kakhulu - futhi nalapho ingenza khona umonakalo omkhulu uma ingasetshenziswanga kahle.

Lapho i-AI iphumelela khona ezimangalweni

• Ukuhlunga izinhlobo zezimangalo (okuzenzakalelayo vs impahla vs isibopho)

• Ukukhipha imininingwane ezithombeni namadokhumenti

• Ukubona ukungahambisani kanye namaphethini okukhwabanisa angaba khona

• Ukusheshisa izinkokhelo ezijwayelekile neziyinkimbinkimbi kancane (Eziphathekayo; Ezinezintambo)

Lapho abantu besabusa khona

• Ukuxoxisana lapho umthwalo wemfanelo uphazamisekile

• Ukuhumusha ulimi lwenqubomgomo ezimweni ezikude

• Ukuphatha amakhasimende angokomzwelo (izingcingo ezithi “impilo yami ivutha umlilo”)

• Ukwanda kanye nokungafani

Isimangalo asiyona nje idatha. Kuyiviki lomuntu elibi, ngezinye izikhathi inyanga. Uma ulwazi lwe-AI luzwakala lubanda noma ludida, amakhasimende agijimela kumuntu noma kunjalo - futhi manje umuntu kufanele ahlanze okuchithekile. Njengokuqasha i-vacuum robot egcoba phansi. Kuwusizo kuze kube yilapho kungenzeki.

Ukuthobela imithetho kanye nomthethonqubo: i-AI yodonga iyaqhubeka nokushayisana 🧱⚖️

Umshwalense ulawulwa kakhulu. Lokho kukodwa kunciphisa ijubane lephupho elithi “i-AI ithatha indawo yawo wonke umuntu”. (FCA; NAIC)

I-AI ingasiza ekuhambisaneni nemithetho ngokuthi:

• Ukuveza okujwayelekile

• Ukuqinisekisa ukuthi amafomu adingekayo ayalethwa

• Ukungena ngemvume kwezingxoxo kanye nezinguquko zenqubomgomo

• Ukuqapha izeluleko ezingahambisani (EIOPA; NAIC)

Kodwa i-AI iphinde yethule izinkinga ezintsha zokuthobela imithetho:

• Ukuchaza izinqumo ezizenzakalelayo

• Ukusingatha izinkinga zokukhetha kanye nokulunga

• Ukugcina imizila yokuhlola enengqondo

• Ukugwema izincazelo zokumbozwa “okungaqondiwe” (ICO; EIOPA)

Futhi, futhi lokhu kubalulekile: awukwazi ukuba nomodeli asungule impendulo mayelana nokumbozwa. Ngisho nephutha elincane lingaba yinto enkulu. I-ejenti nayo ingaba nephutha, impela, kodwa kukhona umuntu okufanele ambuze, amqeqeshe kabusha, amjezise, ​​​​noma ammangalele (futhi... ukusola kuyisici, yebo). (NAIC)

I-AI kanye nama-Ejenti Omshuwalense: impendulo ecacile 😅

I-AI izothatha indawo athile omshwalense, futhi izothatha indawo yezingxenye zomsebenzi wama-ejenti amaningi. Ngeke isule indima kuyo yonke indawo, ngoba indima ihlukaniswe yaba izinguqulo ezimbili. (Reuters)

Inguqulo ecindezelwayo

• inqubomgomo yokuthengisa yezentengiselwano

• ukuvuselelwa okuphansi

• izicelo zesevisi eyisisekelo

• ukucaphuna okulula kwezingozi ezijwayelekile

Inguqulo eqina kakhulu (uma yenziwe kahle)

• umeluleki, umeluleki, umhumushi wezingozi

• uchwepheshe wezentengiselwano

• ummeli wezimangalo / umlingani wokukhulisa

• umakhi wezincwadi oqhutshwa ubudlelwano

“I-ejenti” ayibe isasebenza njengomshini wokucaphuna kodwa iba umqeqeshi wezingozi. Lowo ngumsebenzi omuhle kakhulu… kodwa udinga amakhono amanye ama-ejenti angakaze aqashwe kuwo kwasekuqaleni. Lokho kushintsha kungaba nzima.

Uma ungummeli womshuwalense, yini okufanele uyenze manje 🧠📈

Akuyona “ukwesaba,” okokuqala. Ukwesaba kwenza abantu benze izinto ngokuphamazela, njengokuthenga izifundo abangasoze baziqede.

Izinyathelo ezisebenzayo ezisiza:

• Yiba ngumchazi wezindaba: Zijwayeze ukuguqula ulimi lwenqubomgomo lube yinkulumo elula. Ziqophe. Zisole kancane. Thuthukisa.

• Cabanga ngamacala ayinkimbinkimbi: Izinkampani ezincane zezentengiselwano, imigqa ekhethekile, ukuhlela impilo nokukhubazeka, isu elihlanganisa konke, imindeni enezinqubomgomo eziningi.

• Sebenzisa i-AI njengomsizi wakho, hhayi esikhundleni sakho: Yenza ngokuzenzakalelayo ukulandelwa, ukufakwa kwedatha, izikhumbuzi zokuvuselela, kanye nokungenisa. (McKinsey)

• Yakha incwadi yokudlala yezicelo: Amakhasimende akhumbula okuhlangenwe nakho kwezicelo ngaphezu kwezindleko zeprimiyamu. Yiba ngumuntu osizayo lapho kucindezeleka.

• Bhala phansi iseluleko ngendlela ehlanzekile: Uma unikeza izincomo, gcina amanothi. Kuyisivikelo kuwe futhi kucacile kubo.

Lokhu kungase kuzwakale kuyinto emangalisayo, kodwa kuyiqiniso: amanxusa aziphatha njengabeluleki azosinda. Labo abenza njengemizimba yabantu bazozenzakalela.

Uma ungumthengi, khetha phakathi kwe-AI kanye ne-ejenti 🧾🤔

Nasi isivivinyo esisheshayo samathumbu:

Sebenzisa izinketho ze-AI-first uma:

• isimo sakho siqondile

• uyaqonda izisekelo zokumbozwa

• ukhululekile ukushintsha okuzisebenzela wena

• Ukhathalela kakhulu isivinini kanye nentengo

Sebenzisa i-ejenti yomuntu (noma i-hybrid) uma:

• unezindawo eziningi, izimoto, noma abashayeli basekhaya abayinkimbinkimbi

• uqhuba ibhizinisi noma umsebenzi oseceleni

• udinga isiqondiso somthwalo wemfanelo (isambulela, ukuchayeka emsebenzini, izinto zomnikazi wendawo)

• uke waba nezimangalo noma ulindele ingozi eyengeziwe

• ufuna umuntu ozohlola izinqumo zakho ngendlela efanele

Isu elihle ngokumangalisayo liyinhlanganisela: thola izingcaphuno ze-AI ngokushesha, bese ubuyekeza umuntu ngezinketho ezimbili eziphezulu zezikhala zokumboza. Okuhle kakhulu kuzo zombili lezi zindawo - njengokusebenzisa i-GPS nokubheka izimpawu zomgwaqo.

Ukuthi okujwayelekile okulandelayo kubukeka kanjani (nokuthi kungani kungesona isiphetho) 🌤️🤖

Umphumela ongaba khona kakhulu awukona ukuthi “abantu bayanyamalala.” Yilokhu:

• Ama-ejenti ambalwa enza umsebenzi wokuphatha onenani eliphansi

• Ukuzenzakalela okwengeziwe ekucaphuneni, ekuhlinzekeni, nasekuvuseleleni

• Ukugcizelelwa kakhulu ekuthengisweni kokubonisana

• Imisebenzi ekhethekile eyengeziwe (izikhundla zezentengiselwano, ukuphathwa kwezingozi, ukumela izimangalo)

• Imisebenzi emisha "yomphathi we-AI": ukubuyekeza imiphumela, ukubamba amaphutha, ukuqeqeshwa komsebenzi (EIOPA; NAIC)

Sigcina sinabaxhumanisi abambalwa kuphela abathengisa izinto, kanye nabeluleki abaningi abaziyo ukuthi benzani. Okuyinto, uma sikhuluma iqiniso, cishe inempilo nakumakhasimende.

I-AI ayithathi indawo yama-ejenti omshwalense njengohlobo. Iziphatha njengokuziphendukela kwemvelo okusheshayo. Abanye bayavumelana nezimo. Abanye abavumelani nezimo. Izwi ledokhumentari yemvelo: “Futhi lapha sibona i-ejenti enqabe ukuyeka ukuthumela amafomu ngefeksi…” 📠😬

Isifinyezo 🧾✨

I-AI izothatha indawo yezisebenzi eziningi eziphindaphindwayo ezenziwa ama-ejenti, futhi izothatha indawo yama-ejenti anendima "ebalulekile yokuxhumana nabantu." Kodwa umshwalense ugcwele izimo ezibucayi, izikhathi ezingokomzwelo, kanye nezidingo zokuziphendulela - futhi lezo zisathanda abantu, ikakhulukazi ezimweni eziyinkimbinkimbi. (NAIC; EIOPA)

Isifinyezo esisheshayo

• I-AI izobusa ukucaphuna, ukungenisa, isevisi ejwayelekile, kanye nezingxenye zezimangalo 🧠⚡ (McKinsey)

• Abantu basabalulekile ebungozini obuyinkimbinkimbi, izeluleko ezicacile, kanye nokumela 🧍♀️⚖️

• Ikusasa liyingxubevange: I-AI iphatha isivinini, ama-ejenti aphatha ukwahlulela 🤝🤖 (Reuters)

• Ama-ejenti aguquka abe abeluleki azokwenza kahle - mhlawumbe kangcono nakakhulu 📈🙂

Uma usakhathazekile, awuphosisi. Ushintsho lungase luzwakale njengokuma endleleni yokuhamba ehambayo ngenkathi ubopha isicathulo sakho. Ungakwenza… kodwa uzonyakaza kancane.

Isibonelo sangempela: Ukusebenzisa i-AI njengomsizi wokuvuselela i-ejensi encane 🤝🤖

Isimo

Cabanga nge-ejensi encane yomshuwalense ezimele enama-ejenti amathathu nomuntu oyedwa osebenza isikhathi esithile njengomphathi. Baphatha amakhasimende angaba ngu-850 e-personal line, ikakhulukazi amakhaya, izimoto, abaqashi, kanye nezinqubomgomo ze-ambrela. Isikhathi sokuvuselela sibuhlungu: ama-ejenti achitha amahora amaningi ehlola izinguquko zenqubomgomo, ephishekela imininingwane engekho, eqhathanisa amanani okuvuselela, futhi ebhala ama-imeyili okulandelela.

Kulesi simo esiqanjiwe kodwa esingokoqobo, i-AI ayithathi indawo ye-ejenti. Isebenza njengomsizi wokuvuselela. Indima yayo ukulungiselela ukudlula kokuqala okuvamile ukuze i-ejenti yomuntu ikwazi ukugxila ekwahluleleni: izikhala zokumboza, ukwenyuka kwamanani, umlando wezimangalo, kanye nemibuzo yamakhasimende exakile.

Lokho okudingwa umsizi

I-ejensi izonikeza umsizi we-AI:

• Isifinyezo senqubomgomo yonyaka odlule

• Isilinganiso samanje sokuvuselela

• Amanothi ekhasimende avela ku-CRM

• Noma yiziphi izimangalo noma izinguquko zekheli zakamuva

• Imithetho ye-ejensi, njengokuthi “ungalokothi uncome ukunciphisa imikhawulo yesibopho ngaphandle kokubuyekezwa komuntu”

• Uhlu lokuhlola lwezikhala ezivamile: imikhawulo yesikweletu ephansi, isembozo sesambulela esingekho, abashayeli abangafakiwe, ukusetshenziswa kwebhizinisi lasekhaya, ubudala bophahla, ukuchayeka ezikhukhuleni, kanye nemali ekhishwayo ephezulu

Umsizi akufanele abophe isivikelo, athembise ukonga, noma anikeze iseluleko sokugcina. Kufanele alungiselele iphakethe lokubuyekeza le-ejenti enelayisensi.

Isibonelo semiyalelo

Buyekeza amadokhumenti okuvuselela aleli khasimende bese ulungiselela isifinyezo solimi olucacile se-ejenti. Maka noma yikuphi ukwenyuka kweprimiyamu okungaphezu kuka-12%, noma yikuphi ukwehliswa kokumbozwa, noma yiluphi ulwazi olungekho, nanoma yisiphi isimo lapho ikhasimende lingadinga incazelo yomuntu. Ungancomi ukushintsha isivikelo ngaphandle kokuthi isizathu sisekelwa ngokucacile yimibhalo. Phetha ngemibuzo emithathu i-ejenti okufanele iyibuze ngaphambi kokuxhumana nekhasimende.

Indlela yokuyihlola

Ngaphambi kokuyisebenzisa kumakhasimende angempela, i-ejensi ingahlola umsizi kumafayela okuvuselela amadala angu-20:

1. Khetha ukuvuselelwa okulula okungu-10 kanye nokuvuselelwa okuyinkimbinkimbi okungu-10.

2. Cela i-AI ukuthi ifinyeze ifayela ngalinye.

3. Cela i-ejenti enelayisensi ukuthi ihlole zonke izinkinga eziphawuliwe.

4. Landelela izinkinga ezingabanjwanga, ama-alamu angamanga, isikhathi esithathiwe, nokuthi ngabe i-imeyili yokugcina yekhasimende idinga ukubhalwa kabusha.

5. Buyekeza imiyalelo uma i-AI iphuthelwa okuthile okubalulekile, njengomshayeli omusha osemusha, inothi lokuguga, noma inkomba yokusebenzisa ibhizinisi.

Imibuzo yokuhlolwa ewusizo ifaka:

• Ingabe umsizi ukubonile ukwenyuka kweprimiyamu ngo-18%?

• Ingabe kuveze ukuthi ikhasimende lengeze imoto yesibili?

• Ingabe igweme ukunikeza iseluleko sokugcina somshuwalense?

• Ingabe ichaze inkinga ngolimi oluqondwa ikhasimende elivamile?

• Ingabe lokhu kwandise noma yini ehilela umthwalo wemfanelo, ukukhishwa, noma izimangalo?

Umphumela

Umphumela obonisayo: ngokusekelwe ekubekeni isikhathi sokubuyekezwa kwesampula ezinhlanu ngaphambi nangemva kokusebenzisa lo msebenzi, i-ejensi inganciphisa isikhathi sokubuyekezwa kokuqala kusuka cishe kumaminithi angu-22 ngefayela kuya kumaminithi angu-7 ngefayela ngalinye.

Ngokuvuselelwa okungu-100, lokho kungasho ukuthi:

• Isikhathi sokubuyekeza ngesandla: imizuzu engu-2,200, noma cishe amahora angu-36.7

• Ukubuyekezwa kokudlula kokuqala okusizwa yi-AI: imizuzu engu-700, noma cishe amahora angu-11.7

• Isikhathi esilinganiselwe esilondoloziwe: amahora angu-25 ngokuvuselelwa okungu-100

I-ejensi kufanele isalinganise ikhwalithi, hhayi isivinini kuphela. Umgomo onengqondo ungaba ukuthi akukho zinto eziyingozi kakhulu eziphuthelwe ohlwini lokuhlola lokuvuselela lwamaphuzu ayi-10 ngaphambi kokuvumela ukuhamba komsebenzi ukuthi kusetshenziswe nsuku zonke.

Yini engase ihambe kabi

Ingozi enkulu ukuvumela i-AI izwakale iqinisekile kakhulu kunalokho okufanele. Umphumela omubi uthi, “Kufanele wehlise ikhava yakho ukuze wonge imali.” Umphumela ongcono uthi, “Iphrimiyamu yokuvuselela inyuke ngo-16%. I-ejenti ingase ifune ukubuyekeza izinketho ezidonswayo futhi ichaze ukuhweba ngaphambi kokuxoxa nganoma yiluphi ushintsho nekhasimende.”

Amanye amaphutha avamile:

• Ukuyinika amadokhumenti enqubomgomo angaphelele

• Ukuyivumela ukuthi ithumele ama-imeyili amakhasimende ngaphandle kokubuyekezwa

• Ukukhohlwa ukubuyekeza uhlu lokuhlola lapho imithetho yenkampani yenethiwekhi ishintsha

• Ukuphatha isifinyezo njengeseluleko esinelayisensi

• Ukwehluleka ukubhala phansi lokho okuvunyelwe yi-ejenti yomuntu

Ukudla okuwusizo

Ukusetshenziswa okunamandla kwe-AI kumshwalense akukhona ukufaka esikhundleni se-ejenti ngesikhathi lapho kudingeka khona isinqumo. Kuwukuhlanza ideski ngaphambi kokuba kufike lowo mzuzu. Vumela i-AI ihlele ukuvuselelwa, ibeke uphawu lwemininingwane engavamile, bese ibhala incazelo yolimi olucacile - bese kuvumela umuntu onelayisensi ukuthi enze ucingo.

Imibuzo Evame Ukubuzwa

Ingabe i-AI izothatha indawo yama-ejenti omshwalense ngokuphelele?

I-AI isivele ithatha indawo yemisebenzi - njengokungenisa, ukuqhathanisa ama-quote, kanye nokunakekelwa okuvamile - kodwa ukushintshwa okugcwele kunzima kakhulu. Umshwalense uncike ekuziphenduleleni, iminikelo yabantu engavamile ukufika kahle, kanye nokuqeda amacala avela ngesikhathi sezimangalo noma izinqumo eziyinkimbinkimbi zokumboza. Empeleni, indima iyahlukana: ama-ejenti okuthengiselana ayacindezelwa, kuyilapho ama-ejenti anjengesitayela someluleki eba yigugu kakhulu.

Yiziphi izingxenye zomsebenzi we-ejenti yomshuwalense i-AI ezenzakalelayo njengamanje?

I-AI iyazigqaja ngezinyathelo zomsebenzi eziphindaphindwayo: ukuqoqa ulwazi oluyisisekelo, ukubona izinkambu ezingekho, ukuqhathanisa izingcaphuno ngama-deductibles kanye nemikhawulo, ukuphatha ukuvumelana okulula, kanye nokuqondisa izingxoxo noma izingcingo. Kuphinde kusize ekutholeni amaphethini okukhwabanisa futhi kusheshise ukucutshungulwa kwezimangalo eziyinkimbinkimbi kancane. Uma inani le-ejenti liyisivinini esikhulu sezinqubomgomo ezijwayelekile, ingcindezi evela ku-AI iyabonakala.

Ingabe ukusebenzisa i-chatbot yesilinganiso se-AI kuphephile ukuthenga umshwalense?

Kungaba okuphephile ezimweni eziqondile uma usuvele uqonda izisekelo zokumboza futhi ungaqinisekisa imininingwane. Ingozi enkulu izincazelo zokumboza ezizwakala ziqinisekile kodwa zinganembile, noma ama-nuances angekho njengokungafakwa kanye nezimo ze-edge-case. Indlela evamile ukusebenzisa i-AI ukuthola izingcaphuno ezisheshayo, bese ucela i-ejenti yomuntu ukuthi ibukeze izinketho eziphezulu zezikhala.

Kufanele ngikhethe nini i-ejenti yomuntu esikhundleni se-portal eku-inthanethi noma i-AI?

I-ejenti engumuntu (noma i-hybrid) ivame ukusiza kakhulu lapho ingozi iyinkimbinkimbi noma iyingozi kakhulu: izindawo eziningi, abashayeli basekhaya abayinkimbinkimbi, imisebenzi eseceleni, izidingo ezincane zezentengiselwano, izinqumo zesibopho esihlanganisayo, noma umlando wezimangalo zangaphambilini. Ama-ejenti aneza inani ngokuhumusha ingozi ibe ulimi olulula, ebuza imibuzo ethi “ubungazi ukuthi ubuze”, futhi esekela lapho izimangalo ziba nzima.

Kungani ukuphathwa kwezimangalo lapho i-AI ingaphikisana khona?

Izimangalo aziyona nje idatha - zivame ukuba ngokomzwelo futhi zigcwele izinto ezihlukile. I-AI ingahlola, ikhiphe imininingwane ezithombeni noma kumadokhumenti, futhi iveze ukungahambisani, kodwa ukuxoxisana, ukuchazwa kwenqubomgomo engenamkhawulo, kanye nokwenyuka kwentengo kusathanda abantu. Uma ulwazi lwe-AI luzwakala lubanda noma ludida, amakhasimende avame ukufuna umuntu noma kunjalo, ngokuvamile ngemva kokuba isimo sesivele siyinkimbinkimbi.

Umthethonqubo ubeka kanjani umkhawulo ku-AI yokushintsha ama-ejenti omshwalense?

Umshwalense ulawulwa kakhulu, okunciphisa ijubane lamaphupho "azenzakalelayo ngokugcwele". I-AI kumele isekele ukudalulwa, izindlela zokuhlola, ukukhathazeka ngobulungisa, kanye nokuchazeka mayelana nezinqumo ezizenzakalelayo. Inkinga ebalulekile ukuzibophezela: uma isincomo esizenzakalelayo singalungile, othile kusafanele abe ngumnikazi womphumela. Lokho kungqubuzana kwemithetho kugcina abantu benolwazi, ikakhulukazi ekusebenzelaneni okufana nezeluleko.

Ingabe i-AI izokwenza umshwalense ube shibhile uma ngingayisebenzisi i-ejenti?

Ngezinye izikhathi i-AI inganciphisa ukungqubuzana futhi inciphise izindleko zokuphatha, okungasiza ezinqubweni ezilula. Kodwa "okushibhile" akuqinisekisiwe, futhi ingozi enkulu iwukungakhokhisi kahle ukuze uthole intengo ephansi. Abantu abasebenza njengabeluleki beqiniso bavame ukuvimbela amaphutha okumboza abiza kakhulu kunanoma yimuphi umehluko omncane weprimiyamu, ikakhulukazi lapho isimangalo sangempela sifika.

Yini okufanele ama-ejenti omshwalense ayenze manje ukuze ahlale efanelekile emakethe ene-AI eningi?

Indlela ephephile kakhulu ukushintsha kusuka ku-"quote printer" kuya kumeluleki wezingozi. Gxila ekuchazeni ukumbozwa ngolimi olulula, uthambekele ezimweni eziyinkimbinkimbi (ezentengiselwano, ezikhethekile, ezinenani eliphezulu), nokwakha incwadi yokusekela izimangalo. Sebenzisa i-AI ukuze wenze ngokuzenzakalelayo ukulandelwa, ukwamukelwa, kanye nokuvuselelwa, ngenkathi uqinisa imibhalo yezincomo ukuze iseluleko sihlale sicacile futhi sivikelekile.

Libukeka kanjani ikusasa "elihlanganisiwe" le-AI kanye nama-ejenti omshwalense?

Izimpawu eziningi zikhomba imodeli ehlanganisiwe: i-AI iphatha isivinini - ukungenisa, ukucaphuna, ukuhlinzeka, kanye nezingxenye zezimangalo - kuyilapho abantu bephatha ukwahlulela, ukwelulekwa, kanye nokumela. Lokho kudala nomsebenzi omusha, njengokuqondisa imiphumela ye-AI, ukubamba amaphutha, kanye nokuthuthukisa ukuhamba komsebenzi. Umphumela uba abalamuli abambalwa kuphela kanye nezindima ezikhethekile, zokubonisana.

Uma i-AI ingenza u-80% womsebenzi womshuwalense, kungani u-20% wokugcina ubaluleke kangaka?

Ngoba u-20% wokugcina yilapho umshwalense uphenduka khona izingxabano, ukwenqatshwa, ingozi yezomthetho, kanye nomonakalo wedumela. Abantu abachazi ingozi ngendlela ehlanzekile, futhi amacala abucayi avame ukufika ngesikhathi esifanele lapho udinga khona ukumbozwa kakhulu. Ngisho namaphutha amancane ezincazelweni zokumbozwa angaba izinkinga ezinkulu. Yingakho abantu behlala bebalulekile ekuziphenduleni, ekuqondeni izinto, nasekukhuphukeni kwesimo lapho izinto zihamba eceleni.

Izinkomba

1. Inhlangano Kazwelonke Yabakhomishana Bomshuwalense (i-NAIC) - content.naic.org

2. Igunya Lomshuwalense WaseYurophu Nezempesheni Zomsebenzi (i-EIOPA) - eiopa.europa.eu

3. Igunya Lomshuwalense WaseYurophu Nezempesheni Zomsebenzi (i-EIOPA) - eiopa.europa.eu

4. Igunya Lokuziphatha Kwezezimali (i-FCA) - fca.org.uk

5. Ihhovisi likaKhomishana Wolwazi (i-ICO) - ico.org.uk

6. I-McKinsey & Company - Ikusasa le-AI embonini yomshuwalense - mckinsey.com

7. I-McKinsey & Company - Amandla e-gene AI kumshuwalense: Izici eziyisithupha zabantu abaphambili - mckinsey.com

8. I-Reuters - reuters.com

9. I-Deloitte - deloitte.com

10. Iyakwazi ukunyathelwa - iyakwazi ukunyathelwa.ai

11. I-WIRED - wired.com

Thola i-AI Yakamuva Esitolo Esisemthethweni Somsizi we-AI

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