2023.04 The Taiwan Banker NO.160 / By Hank Huang (黃崇哲)
Is AI your artificial wisdom, or a smart assistant?Editor's Note
Like a lightning bolt on the open plain, ChatGPT, was launched by OpenAI at the end of last year. We can expect that more AI services will appear in the future, one after the other. This will not only affect people’s understanding of computers, but may even cause them to rethink the value and significance of humans when computers are smarter than us. As said by Jensen Huang, founder of Nvidia, the emergence of ChatGPT is like the arrival of the iPhone in the AI ​​world. In the past, despite the invention of the internet, due to the complexity of interfaces, not everyone was able to skillfully use daily messaging tools like email and MSN. Upon the advent of the iPhone, the learning curve for the internet was simplified, making LINE the most important communication tool. Similarly, in the past, strong programming skills were required to use AI based on big data and deep learning. However, with the emergence of ChatGPT, users no longer need to learn programming, and can rather use spoken language. For example, robotic vacuums were already powerful, recognizing objects and planning routes, but now, chatbot AIs allow you to tell them to help you find the keys while vacuuming, with no need at all to learn complex programming anymore. This is a very important step for the way humans use computers, a step from weak AI into the era of strong AI. Weak AI, also known as narrow AI, refers to AIs that perform as well as or even better than humans in specific fields, such as go, automatic cleaning, and medical knowledge. The go AI that beat the world champion is independent from most other AIs, and had a rather limited impact on most people’s lives. Now, with the emergence of ChatGPT, a robotic vacuum can turn into a key finder, and a medical AI can turn into a spoken word assistant to remind you to take your medicine. This assistant also has superior pharmaceutical knowledge and understands the relationship between your lunch and medicine, creating a completely new service experience. That is to say, when these weak AIs are linked to strong AIs, they will have better thinking and judgment abilities and will be able to perform more diverse tasks, truly opening up a whole new world. If this strong AI wave spreads to finance, practitioners will face a major employment impact. Just as the pandemic drove financial services online, greatly reducing demand for bank tellers, in the future, users will chat with financial AI services with no learning curve, asking them how to finance a housing purchase, or plan for retirement. You might even ask it to find funds and stocks most suitable for your risk preference, with no service fees upon order placement. How many jobs in the financial industry will be in jeopardy? How should financial personnel who originally relied on school education, workplace training, and internet knowledge meet the challenge of financial AI with professional knowledge and supercomputing capabilities? On this point, differences in AI translations on both sides of the strait give some clues. If you can properly master the key skills and find the new opportunities, then AI will be your “personal assistant.” It will combine computing power and large training sets to strengthen your professional ability and plan for customers and your own life. better future. If on the other hand you just wait and watch the rapidly evolving AI repeatedly weed through the old to bring forth the new, then AI will be your “artificial wisdom,” helping you calculate every second and every moment of life. Your life decisions will be the answers to the calculations in its database. When horses could run faster than humans, people needed to tame them so that the new means of transportation could perform its intended function. And after inventing cars, we needed driver’s licenses. Whether AI will become your “smart assistant” or “artificial wisdom” depends on your mentality and preparation.