Commercial banks diversify the use of AI (artificial intelligence) from chatbots to AI bankers

Shinhan Bank (Chief Jin Ok-dong) announced on the 16th that it has advanced the knowledge quality management function of’Orora’, an artificial intelligence (AI) chatbot service.

This advancement has been promoted since September last year to ▲ build a knowledge quality management system, ▲ personalization services based on data analysis, and ▲ link various channels.

Shinhan Bank has created a knowledge system that enables chatbots to accurately recognize customer’s intent to ask questions and improve the accuracy of answers through analysis of 3 million chatbot counseling history and maintenance of 110,000 cases.

In particular, for the advancement of knowledge quality management, new indicators such as correct answer similarity rate and perceived correct answer rate were introduced for the first time in the industry. Through this, Shinhan Bank conducts a thorough survey of more than 30,000 chatbot counseling records every day, and the similarity rate of correct answers according to user inquiries is maintained at an average of more than 96%.

In addition, the’MY service’ function was newly added by analyzing the behavior of customers using chatbots such as recent question inquiry and frequent question scraps.

A Shinhan Bank official said, “Through this advancement, we improved the rate of correct answers and internalized our knowledge management capabilities, which became the basis for expanding various services of chatbots.” “In the future, we analyzed 305 services and 4,492 screens of Shinhan Sol, We plan to provide chatbot services based on usage patterns.”

Woori Bank is developing an AI banker (artificial intelligence banker).

Woori Bank, a subsidiary of Woori Financial Group, announced on the 16th that it has signed a business agreement with Ryan Rocket, a deep learning-based image synthesis technology startup, to develop AI bankers.

Based on deep learning technology, AI banker not only implements a virtual bank teller by reflecting the appearance, posture, and voice of a specific person through the synthesis of video and voice, but also analyzes and understands the voice of a customer who consults with an AI banker. It plays the same role as consulting.

AI Banker will be introduced in employee training programs (AI professors) and in-line broadcasting (AI announcers) from next month, and plans to gradually expand the scope of work, such as smart kiosk video consultation services in the future. To this end, we plan to select Woori Bank employees to play the role of smart kiosk AI counselors and reflect the employees’ appearances and voices to the AI ​​counselors.

Woori Bank officials said, “We plan to increase customer convenience by cultivating AI bankers that are capable of consulting on banking at the same level as real bankers.” “In the future, we will expand to various financial services such as counselors, auditors, and internal control through the advancement of AI bankers. I will do it.”

Hana Bank launches AI-based 「Hana Fund Management Report」

Hana Bank (Bank Seong-ho Park) announced that it has launched the 「Hana Money Management Report」 service, which provides customized money management services by analyzing customers’ financial patterns and lifestyles based on various data.

The “Hana Money Management Report”, which can be viewed in the “My Assets Research Center” in the Hana OneQ app, analyzes customer’s monthly transactions and provides personalized reports at the beginning of each month, such as: monthly surplus calculation ▲ deposit and withdrawal transaction analysis ▲ withdrawal tendency analysis.

In the 「Hana Fund Management Report」, an AI algorithm developed by the Bank’s internal big data-specialized organization, the AI ​​Big Data section and Hana Financial Convergence Technology Institute, was applied. In addition, in order to improve the accuracy of the AI ​​algorithm and increase the level of service, it provides a report by analyzing not only customer’s Hana Bank transactions but also external and unstructured data such as open banking and consumption propensity data.

In this way, the “Hana Money Management Report”, which enhances the understanding of customers with AI technology, provides a report that analyzes customers’ financial transactions as well as their interests. Through this, customers will be able to easily and conveniently manage digital funds and assets. It is expected.

On the other hand,’My Assets Research Center’, which is widely known for its asset management tips of the Hana OneQ app, provides useful information such as comparison of assets with peers and analysis of fixed expenditures, as well as the Hana Fund Management Report. It is expected that convenient digital money management and asset management will become possible.

An official of Hana Bank said, “Following the launch of this service, we plan to expand digital personal financial management (PFM) services such as personalized product recommendations.” Based on this, we will expand the’digital asset management service for all’ by popularizing and digitizing asset management.”

KB Kookmin Bank and Microsoft Korea collaborate to revitalize data AI and cloud ecosystem

KB Kookmin Bank (CEO Heo In) and MicroSft Korea (CEO Ji-eun Lee) announced on the 12th that they have signed a strategic partnership to develop new technologies using data and artificial intelligence (AI) and spread the digital ecosystem.

KB Kookmin Bank President Huh In and Lee Ji-eun, CEO of Microsoft Korea, and officials from both companies attended the agreement ceremony held at the Microsoft Technology Center (MTC) in Gwanghwamun on the 13th.

Through this agreement, ▲ business collaboration using new data and AI technology ▲ cloud service provision and technical training support for domestic startups ▲ digital competency reinforcement education for KB Kookmin Bank employees will be promoted together.

First, KB Kookmin Bank and Microsoft Korea will promote collaboration to improve business models using new data and AI technologies. The new technology development will be operated based on the Microsoft cloud platform Azure, and the latest data and AI analysis technology provided by Microsoft will be applied.

It also supports domestic startups and strengthens employee capabilities. It provides support for companies selected from the promising startup’KB Starters’, active in the KB Innovation Hub Center, to use the cloud, connect investors, and advance into overseas markets. In addition, KB Kookmin Bank’s executives and employees are also promoting education programs for digital transformation.

KB Kookmin Bank Chairman Huh In said,’We are very excited to cooperate with Microsoft Korea, which is taking the lead in spreading the domestic data, AI and cloud ecosystem,’ and’I hope this partnership will become the bridgehead of KB Kookmin Bank’s number one financial platform transformation.’ Said.

Lee Ji-eun, CEO of Microsoft Korea, said, “I hope this partnership will accelerate the achievement of the goals pursued by the two companies, and further contribute to vitalizing the domestic cloud and AI ecosystem.”

KB Kookmin Bank opens AI experience zone for future finance

KB Kookmin Bank (President Heo In) opened an AI experience zone that combines financial services and AI technology in the new building of Yeouido on the 15th of last month.

The AI ​​Experience Zone is a space where you can experience artificial intelligence financial services, and you can meet KB Kookmin Bank’s AI technology at two kiosks.

At the first kiosk, you can experience AI virtual consultation service featuring avatars. Avatar ▲Introduction to the new KB office building and the direction of artificial intelligence of KB Kookmin Bank ▲Introduction to KB-ALBERT, a Hangul natural language learning model specialized in finance ▲Avatar provides a function that reads sentences entered on the keyboard with a cute voice. The AI ​​Experience Zone has prepared a cute avatar-based service to break down the difficult image and high barriers to entry for finance, and to get closer to customers.

At the second kiosk, you can also meet an AI banker who can consult with banking, such as opening a bankbook, subscription, deposit, IRP, and loan. The AI ​​banker service applies voice synthesis, video synthesis, voice recognition, and natural language processing technology, allowing consultation with the same quality as an actual banker.

Meanwhile, at the entrance of the AI ​​experience zone, you can watch the introduction screen of the “Future Finance AI Challenge” held by KB Kookmin Bank every year since 2019. The Future Finance AI Challenge is an artificial intelligence contest for university students and job seekers to secure future finance ideas and increase interest in the financial field of outstanding talents.

An official from KB Kookmin Bank said, “We will increase the convenience of financial consumers by expanding the experience service to branches and mobiles so that they can experience various AI technologies of KB Kookmin Bank in the future.”

FINTECHPOST