Du Xiaoman and Zhu Guang talk about ChatGPT: the transition from 'weak artificial intelligence” to 'strong artificial intelligence”

According to news on March 9, Du Xiaoman CEO Zhu Guang said that the advent of ChatGPT means that the development of artificial intelligence has made a leap from "weak artificial intelligence" to "strong artificial intelligence" of watershed.

He said that what deserves more attention than ChatGPT is the technology and technology trends behind it. Large model technology like GPT is a core issue in the next generation of AI technology competition. Its emergence means that all competition and competitive advantages surrounding mobile Internet and AI 1.0 are coming to an end. Large model technology will reshape the working methods and patterns of many industries, perhaps the most obvious of which is the financial industry. In other words, big model technology is redefining financial technology (Fintech). In his view, the financial industry is a pioneer in digitalization and intelligence, and is also the best area for the implementation of large model technology. If the capabilities of large models are put into the financial industry to handle original tasks, it will have a disruptive impact on many jobs.

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Zhu Guang introduced that large models can be divided into understanding large models and generative large models. The advantage of understanding large models lies in the ability to understand data insights, which can be used in intelligent recommendations, risk management, and intelligent operations to help financial institutions significantly improve operating efficiency and risk management decision-making capabilities. Generative artificial intelligence can autonomously generate new data, images, voice, text and other information, becoming a powerful assistant for financial planners, insurance brokers and other financial practitioners, greatly improving service efficiency and service experience.

Among them, the understanding large model is pre-trained on the basis of massive data, which can greatly improve the ability of data insight and understanding, and improve the decision-making capabilities of financial institutions such as customer management and risk control to a new level. Based on large model technology, financial institutions can better understand and respond to user needs, allowing products to more accurately match user needs. Based on the general capabilities of large models, integrating knowledge and data from the financial industry for risk assessment can help financial institutions make risk decisions and significantly improve risk stability; if all types of financial big data, data from different industries, and macroeconomics are combined When economic data is injected into large models, effective risk warning and prediction can be carried out to reduce the financial risks of the entire society.

He mentioned that Du Xiaoman relies on Baidu’s artificial intelligence technology and has developed a series of applications based on large models. Taking risk management as an example, Du Xiaoman has applied the large-scale language model LLM to the interpretation of Internet text data and credit reports. Through the pre-training model constructed with text data and AI algorithms, it can interpret the credit report into a 400,000-dimensional risk variables to better identify the credit risks of small and micro business owners. With the iteration of the model, the potential of large models in intelligent risk control will be further released.

Zhu Guang said that Du Xiaoman has been actively deploying in exploring the application of large model technology in the financial industry. "Recently, Baidu launched a generative dialogue product 'Wenxin Yiyan' (English name: ERNIE Bot) based on Wenxin large model technology to open ecological cooperation, and Du Xiaoman became the first financial technology company to access it. Next, based on Wenxin, Xinyiyan's large-model technology base is combined with the financial industry knowledge and data accumulated by Du Xiaoman's business scenarios for interactive training. We hope to play the role and value of ChatGPT-like artificial intelligence technology in the financial industry and create a new intelligent customer service, Intelligent risk control and intelligent interactive services. These vertical applications not only have the capabilities of generative artificial intelligence (AI) and multi-modal semantic understanding, but also adapt to the characteristics of the financial industry that attaches great importance to risks and puts security first. Achieve a high degree of stability, autonomy and controllability."

Zhu Guang finally mentioned that financial technology is technology-driven financial innovation. "Large models will have a profound impact on the level of intelligence and digitization of the financial industry. Fintech companies must seize the window of opportunity of this technological change, actively explore the application and development of large model technology, prudently respond to its risks and challenges, and help The financial industry has achieved a leap from digitalization to intelligence, consolidating my country's global leadership in financial technology." (Yicheng)

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