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5 atec ai

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5 atec ai

  1. 1. AI  for  Financial  Services   Xiaolong  Li   Senior  Director  of  AI  Department   Ant  Financial  Services  Group  
  2. 2.              MIT  Technology  Review  
  3. 3.          Fundamental  Data  Challenges  in  Financial  Services   Insurance   Payment   Investment  Risk     Control   Micro     Loan   Data   Fundamental   Challenges   Time  sensitivity   Massive  volume   Systemic  risk   Diversity   Risk    management  
  4. 4. Alipay   MYBank   Fortune   Insurance   Credit   Globalization   Ant  Financial   Bank   Securities   Fund   Insurance   Trust   ……   External  Financial  Institutions   Empower   Empower   ANT   AI   Product   Recommendation   /Search   Intelligent     customer  service   Chatbot   Platform   Empower   Algorithm   A/B  Testing   Model  Service   Heterogeneous   Learning   ML   DL   RL   NLP   Speech   CV   Privacy-preserving   Learning   Graph   Optimization   Ant  infrastructure                    AI  at  Ant  Financial   Intelligent     information  service  
  5. 5. Reduce  cost   Improve  experience   Manage  risk   ü   Real-time   ü   Large-scale   ü   Secure   Antzero  
  6. 6. Antone   …  …   Antzero   Computing   Algorithm   Data   Systemic  risk   Banking   Insurance   Securities  Fund    Investment  bank   Reinforcement   Learning     Deep  Learning   Unsupervised  Learning   Graph  Learning     Intelligent  Financial   Information  Services   Intelligent   Claims   Financial  Intelligence  Platform     ……   Intelligent   Marketing   ……  
  7. 7. A  Few  Applications  
  8. 8. Goal  -  Reduce  back-end  risk  and  improve  overall  account  quality   Challenge  -  How  to  identify  whether  a  new  account  is  a  spam?   Struc2vec  Algorithm   Identify   Bad   Good   Device   Alipay  account  -Device  Map   Malicious  Account  Detection     By  Graph  Embedding  
  9. 9. Malicious  Account  Detection  
  10. 10. Intelligent  Marketing     By  Reinforcement  Learning   Online   Learning   Online   Learning   Reinforcement     learning   Click     Or  not   Covert   Or  not   Sign   up   Target  users   149%   Online  Deep   reinforcement   learning  bucket   DNN     bucket   Convert  Rate   DNN     bucket   Online  Deep   reinforcement   learning  bucket   Feeds  CTR   171%  
  11. 11. •  Reading  and  spending  habits?   •  Online  shopping  and  insurance?   Personalized product & information recommendation              Intelligent  Marketing   Goal   Satisfy  personalized  needs   Challenges   Integrate  multiple  data  sources  
  12. 12. l  Large  scale  deep  learning  to  integrate  multiple                            data  sources   l  Unified  coding  for  users,  entities  (products,            attributes)  and  documents  in  a  joint  latent  space   l  Protect  privacy  via  nonlinear  data  embedding   User data integration + Large scale deep learning + Privacy protection                Intelligent  Marketing  
  13. 13.              Intelligent  Marketing  
  14. 14.        InsurTech  Powered  by  AI   Freight  Insurance   Online  Auto  Claims   Car  Damage     Assessment  System   Online  Report>Risk  Intercept  >Audit     Claim  efficiency  50%↑   Personalized  auto  pricing   10  years  experienced  expert   Auto     Pricing   Auto  Damage   Assessment   Cost  Reduction   Risk   Control   Auto   Claims   前机盖 ⻋车标 ⻋车牌 中⺴⽹网 前保险杠 左前⼤大灯 格栅 左雾灯
  15. 15. Estimated  damage:  Slightly  deformed  left-rear  fender   Repair  cost:  RMB500   Show  case                Car  Damage  Assessment  System  –  Ding  Sun  Bao  
  16. 16. Pattern-based  Sentiment  Unit  Extraction   Sentiment  Unit  Evaluation  Based  on  Sentiment  Knowledge-base   Sentiment  Aggregation   Sentiment  Score  for  news   Precision   88.4%   Financial  Sentiment  Knowledge-based  Approach   Sentiment  Unit:A  continuous  phrase,  beyond  a  single  word   examples:Increased  risk       Deep-learning  based  Approach   Convolutional  Neural  Network  +  Tensor  Neural  Network   Convolutional  layer,  tensor  layer,  k-max  pooling,  fully-connected  layer.   CNN  for  local  feature  extraction,TNN  for  feature  combination.              Intelligent  Financial  Information  Service  
  17. 17.          Antone  (Intelligent  Assistant)  Milestones   Intelligent  Customer  Services                Services  satisfaction  Rate  3%     higher  than  human       2015.11   Intelligent  Customer  Services      2016  nov.11        Self-service  rate  97%   2016.11   Future  2017.5   Intelligent  Customer  Services      2015  nov.11        Self-service  rate  94%   Intelligent    Assistant  platform    V1.0   Brand-new  platform  for  Intelligent  Assistant   2017.9   IoT  Era   Intelligent    Assistant  launch   Cover  restaurant  and  train- ticket  Scenarios   2018.1  
  18. 18. Help  You   •  Multi-round  conversation  to  understand  user  intention     •  Proactive  one-stop  solution  provider                Antone   Multi-round  Conversation  Know  You  
  19. 19. Train   Ticket                Antone  
  20. 20. Multi- Scenarios                Antone  
  21. 21. High-throughput  training   on    distributed  system     Low-latency  online  prediction   with  hardware  acceleration     Software  and  hardware   encryption   GPU   FPGA   CPU   ASIC   Reinforcement   Learning   Unsupervised   Learning   Deep  Learning   Graph   Inference   …  …   …  …   Large-scale  Real-time  Security                Financial  AI  Platform   Finance-level  Large-scale  Heterogeneous  Computing  
  22. 22. AI  -  A  Driving  Force  for  Financial  Services  
  23. 23. THANKS.   Xiaolong  Li   Senior  Director  of  AI  Department   Ant  Financial  Services  Group  

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