ARTIFICIAL INTELLIGENCE AS THE BASIS FOR CREATING A NEW GENERATION OF FINANCIAL SERVICES

Atamanenko Vadim

Over the past decade, there has been a global introduction of technologies based on artificial intelligence in the economy. The financial services sector is no exception. So, now various robot assistants and chatbots for clients of banks, insurance, brokerage companies and other entities operating in the financial markets are something commonplace. While ten years ago such interaction of financial market participants was seen as something impossible. The modern financial services market is focused on the rapid introduction of artificial intelligence, and financial services companies are trying to adapt their projects to fundamentally new artificial intelligence technologies – new generation technologies: three-dimensional avatars, machine vision, speech and text analysis, technologies that allow users to "read" emotions by their behavior and respond to them with appropriate actions and recommendations in the field of finance. At the same time, the ill–considered use of artificial intelligence technologies can unwittingly lead to discrimination of certain groups - users of financial services, if we are talking about applications that automatically process customer data and, based on this data, formulate, for example, statistics, information about solvency, financial stability, etc. The solution to the problem can only be an approach based on a well-thought-out data set that allows you to exclude or minimize errors in the selection of data for artificial intelligence training that arise due to the human factor.

Keywords:artificial intelligence, data processing, neural network training, machine learning, learning algorithms