Sie sind auf Seite 1von 21

Digital Disruption

Banking for the future

Artificial Intelligence &


Managing Risk in Banking
Anis Radianis
Co-founder & CEO Fineoz
Jakarta, May 2nd 2019
AI, recent hollywood view (2019)

Alita

2
AI, decade hollywood view (2004)

i Robot

3
AI right now
Sophia robot granted
citizenship

Chinese AI News Presenter


4
AI right now
Jordan Peele Make a Fake
Obama

Self Driving Car

5
IOT, Big Data, & AI

Process
Capture Store

Reality

New
Understanding
Process
Store

Sense Brain Knowledge

6
AI history & term

7
AI categories

8
AI/ML ecosystem

9
Why using AI in Banking

10
Bankers Interest in AI

11
AI value in business

12
AI as driver in Risk

AI &
Digitalization

13
The future of Risk Mgt

14
Statistic, AI & Risk Mgt

15
Initiative for new Risk Mgt
1) Digitization of core process
• Onboarding, KYC, Credit
2) Experiment with AI
• Chatbot, Compliance, Credit Decision
3) Enhance risk reporting
• Quality, Transparency & Timing
4) Putting Enabler
• Shifting talent, Data Infrastructure, Risk
Culture
16
New area: Managing risk for the
unbanked with AI
265m Total Population

65m < Kids


200m Adult

70m with Credit


130m without Credit

Uncertainty Reduce Info Better Prediction with


limited information
Uncertainty

Risk Reduce Lending Risk Narrowing information


asymmetry

No Access to Access to Economic


Credit or Bank Credit or Bank Growth 17
Smarter & Digitized Risk Mgt
through AI  KYC

KYC AiCheck
credit verification Trustworthy &
compliance
RISK PROCESSES AI TECHNOLOGY
 KTP & Photo verification  Image Recognition
 Government info verification  Text Crawler & Mining
 Social info verification  Text Crawler &
Mining
BENEFIT
 Speed  Automation  Coverage  Non-bias

18
Smarter & Digitized Risk Mgt
through AI  Assess & Offer
Assessment AiScore : Creditworthy
credit underwriting & ability to pay

Offering AiCredit : Priceworthy


credit pricing & personalized pricing

RISK PROCESSES AI TECHNOLOGY


 Credit risk scoring  Predictive Algorithm
 Credit optimal pricing  Prescriptive
Algorithm
BENEFIT
 Risk reduction  Personalized  Speed  Automation  Coverage

19
Smarter & Digitized Risk Mgt
through AI  Monitor
Monitoring AiCare : Collectworthy
credit recovery & credit care

RISK PROCESSES AI TECHNOLOGY


 Credit default timing  Predictive Algorithm
 Credit default treatment  Prescriptive Algorithm

BENEFIT
 Risk reduction  Personalized  Speed  Better
Engagement
20
Thanks!
Want to join the journey?

Artificial Intelligence for Financial


Technology

21