天云大數(shù)據(jù)雷濤：企業(yè)要加快將AI技術(shù)應(yīng)用在金融科技這片藍(lán)海！

大數(shù)據(jù) 天云大數(shù)據(jù) AI 民主化

天云大數(shù)據(jù) | 2017-03-03 17:35

【數(shù)據(jù)猿導(dǎo)讀】在公司層面，將會進(jìn)一步推進(jìn)‘AI民主化’作為發(fā)展戰(zhàn)略，我們之前是作為IT基礎(chǔ)設(shè)施和提供數(shù)據(jù)科學(xué)的能力的廠商，但未來我們將會更多與金融機構(gòu)合作，將內(nèi)生價值沉淀后的外生業(yè)務(wù)價值反哺AI平臺，加快AI在金融機構(gòu)的應(yīng)用，推出更多類似反欺詐與信用評分的模型，也會更加關(guān)注這波Fintech浪...

天云大數(shù)據(jù)雷濤：企業(yè)要加快將AI技術(shù)應(yīng)用在金融科技這片藍(lán)海！

來源：數(shù)據(jù)猿作者：雷濤

中國政府正在鼓勵更多的金融創(chuàng)新，因此金融科技公司將會在這片藍(lán)海中發(fā)揮更重要的作用，未來幾年，銀行家們也樂見更多的傳統(tǒng)金融機構(gòu)與科技公司合作。雷濤指出，這些利好政策也體現(xiàn)在天云大數(shù)據(jù)的戰(zhàn)略中，“在公司層面，將會進(jìn)一步推進(jìn)‘AI民主化’作為發(fā)展戰(zhàn)略，我們之前是作為IT基礎(chǔ)設(shè)施和提供數(shù)據(jù)科學(xué)的能力的廠商，但未來我們將會更多與金融機構(gòu)合作，將內(nèi)生價值沉淀后的外生業(yè)務(wù)價值反哺AI平臺，加快AI在金融機構(gòu)的應(yīng)用，推出更多類似反欺詐與信用評分的模型，也會更加關(guān)注這波Fintech浪潮。”

Triple A Digital Awards由香港《財資》雜志主辦，旨在發(fā)現(xiàn)亞太區(qū)內(nèi)持續(xù)利用科技提升銀行程序素質(zhì)的Fintech 企業(yè)，及對亞太地區(qū)數(shù)位化的創(chuàng)新和改善做出杰出貢獻(xiàn)的金融機構(gòu)。天云大數(shù)據(jù)作為大陸地區(qū)唯一入選企業(yè)，與日本Alpaca公司、新加坡Fundnel公司、菲律賓Lendr公司共同入圍本次獎項。

如下是香港財資雜志對天云大數(shù)據(jù)CEO雷濤的英文專訪：

Promoting AI democracy

BeagleData – Fintech of the year, China - BeagleData’s future growth strategy

The popular saying that “Rome wasn’t built in a day”, resonates with Lei Tao, who as the CEO of BeagleData, the three-year old Beijing-based technology company, attributes its growth and success to its years of in-depth industry experience

By Derrick Hong

The popular saying that “Rome wasn't built in a day”, resonates with Lei Tao, who as the CEO of BeagleData, the three-year old Beijing-based technology company, attributes its growth and success to its years of in-depth industry experience.

The emergence of fintech companies in China is adding flavour to the financial market, which has been dominated in the past decades by traditional players such as state-owned banks. Some strong competitors, such as Alibaba and Tencent, are even considered to have disrupted the financial market by grabbing a large market share from the financial institutions.

天云大數(shù)據(jù)CEO 雷濤

The consensus view is that this is just the beginning. As the Chinese government encourages financial innovation, fintech companies will play a more significant role in pushing the Chinese financial market ahead. Chinese bankers are also suggesting that more collaboration will take place between traditional financial institutions and technology companies in the next couple of years.

Translating the potential trend into BeagleData’s strategy, Lei points out what it means for the company: “we will promote ‘AI democracy’ as our future strategy. We used to sell IT infrastructure capabilities and data science engineering capabilities. But now as more AI platforms are being released, we can replicate and sell more AI models, such as credit scoring and fault detection models, to more banks”.

Given its stable and comprehensive big data platform, BeagleData is attracting growing interest from financial institutions. China Everbright Bank, one of the largest joint-stock commercial banks in China, has been using the service from BeagleData since 2013. Based on the open-source software framework Hadoop, BDP (BeagleData Platform) 2.0 enables the bank to better manage its data, and offer timelier data searching services to its customers.

Apart from the big data platform, the other main project that the company is actively promoting is its MaximAI, an artificial intelligence (AI) project which allows engineers from financial institutions a free coding platform where different languages are available and recognizable. “So in 2017, we will focus on how AI can help us to solve more problems and how to get more involved in the wave of fintech,” says Lei.

“In other words, our clients no longer need a data science PHD to do the job, a masters-level or even a bachelor student with less experience can bring their learning into practice in minutes”.

Challenge and opportunity

In a bid to boost the development of big data, the Chinese state council issued its 50th policy in 2015, which includes a series of initiatives to educate market participants on how to use big data. On top of the financial industry, other sectors such as transportation, health care, and environmental sectors, will be allowed to adopt big data to improve efficiency. Currently, the usage of big data as well as AI is still at an early stage, due to a lack of market awareness, according to Lei.

Data from iResearch shows that by 2020, the Chinese AI market will grow to 9.1 billion yuan with a compound annual growth rate of 50%. Rapid growth coupled with underdeveloped business environments creates opportunities for technology enablers like BeagleData. However, it also poses a challenge to decision-makers as they may need to pick the best from a number of feasible options.

“There is a lot of demand for AI in all areas such as marketing, pricing, risk management, and fault detection. Each product and business line needs AI,” says Lei. Yet, the ecosystem is yet to be sophisticated in China, and it will require a lot of companies to participate. “It is not possible for one vendor to complete the system. In North America, it is just the same. Technology enablers have high valuations, but if you look at their size, they are just at the starting point”.

Unlike many fintech companies that seek as many clients as possible, BeagleData is more willing to work with more open-minded and quality business partners. In the Chinese banking industry, for instance, privately owned banks are its favoured clients due to their willingness to accept and adopt new concepts. Currently, the client base of BeagleData has already expanded to 13 large corporations or institutions, including State Administration of Grain, Taikang Life, and China Mobile.

In Lei’s view, the growth of the company is more about reconstruction and reorganization. “Through that process, top resources are better allocated under a corporate structure,” says Lei, “We signed a contract to build a mission-critical online transaction system with a large joint stock commercial bank on the first day of our company. Obviously, it is a result of our accumulation in resources, employees, and capital prior to that”.

注：本文由 天云大數(shù)據(jù) 投稿數(shù)據(jù)猿發(fā)布。

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來源：數(shù)據(jù)猿

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