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5G+AIFintech时代：以5G、AI为驱动 度小满金融引领行业风向
weixin_33686714 于 2019-05-01 00:15:24 发布 276 收藏
不知不觉间，一个“5G+AIFintech”的全智能时代正在到来。
5G助力，传统场景智能化
关于5G的理解，并不是简单的4G到5G速度升级，而是人类社会向万物互联智能时代的大跃进。这其实有赖于5G所具有的高宽带、高可靠低时延、海量物联三大特点。
毋庸置疑，5G与AI结合成必然趋势下，各个产业正面向智能化倒戈。单就金融业来说，有了5G与AI的合力助攻，用户随时随地享受金融服务已不再是梦想，例如银行业进入数字化驱动的Bank4.0时代，将搭建有温度的线上电子银行渠道。而金融科技也将在这两种技术的赋能和助攻下走向智能化。
5G为身躯、AI为灵魂，成就5G+AIFintech时代
从技术层面看，度小满有先天条件的技术优势，自它出生以来便沿袭了百度的技术基因。数据库、量子计算、智能分发等领域都是百度的核心技术所在区，度小满作为含着百度技术金钥匙出生的金融科技平台，这些技术正为它不断优化自身条件以及其生存的环境。
从理念层面出发，度小满一直致力于智能金融的发展，力求其产品更加智能化。在此之前，它已经在身份识别、AI大数据风控决策引擎、风险监控存续期管理、智能投研、智能获客等多个领域用技术赋能。换言之，度小满利用技术升级的理念已经深入到它身体的各个部位，必然也会用同样的理念来升级其智能水平。
从合作价值看，5G的普及可以为金融服务场景创造更多的可能性，在此认知下，度小满选择继续深耕技术，必然会吸引来更多的合作者，而这些合作者大多都有一个特点，那就是想要用AI助力其金融服务的降本增效。5G+AIFintech时代下，度小满可以更好的实现金融场景的再造，进而为金融机构、用户以及行业带来更多的金融场景。
5G+AIFintech驱动下，金融科技将迎来一轮全面质变
对于5G时代的金融科技创新，未来一定不会局限于某一个金融服务或者金融产品，而是会根据用户需求来提供个性化、智能化的服务。毕竟，当今的云计算、大数据等技术不断走向成熟，进而有利于金融企业们获取用户数据，并分析出用户的需求。
比如智能客服，现在它主要是通过语音和自然语言识别技术，再结合金融的服务渠道，为用户提供服务。在使用的过程中，智能客服可以对用户数据进行识别与分析，然后从现有的知识库里筛选出合适的内容作答。但未来的智能客服可借助5G为其赋予灵魂，让它拥有智慧的思考，可以根据用户的问题给出更为准确的参考依据。
再如智能识别，其实这一金融场景存在的意义就是帮助金融从事者更为准确的识别用户的身份和行为，同时也帮助金融机构规避风险。如今，VR/AR技术的发展、5G网络的具备，在某种程度上能为用户、金融机构提供更具真实性的场景体验，除了识别身份和行为外，还可进一步识别周围环境的安全性。
总的来说，5G和AI是不可逆的未来，它们的深度结合必然会使金融科技领域发生巨大的变化。而度小满们这类在前金融科技时代就打好技术功底的平台，将乘“5G+AIFintech”之风继续疾驰，并引领金融行业全面迈向智能金融时代。