A visual representation of the digital cryptocurrency Bitcoin JACK GUEZ/AFP/Getty Images

区块链的虚伪承诺

发自纽约——金融服务业正在经历一场革命,但其推动力并不是比特币这类被过度夸大的区块链应用,而是一场以人工智能,大数据和物联网为基础的革命。

数千家实体企业已经应用了这些技术来击穿金融中介的各个方面。 PayPal,支付宝,微信支付,Venmo等数十种在线支付服务拥有数以亿计的日常用户。基于大量的个人和企业在线数据,金融机构能在几秒钟内做出准确的贷款决定,而不是几周。随着时间的推移,这种数据驱动的信贷分配提升甚至可以消除周期性的信贷驱动型繁荣和萧条。

同样,保险业的承保,理赔评估和管理以及欺诈监控都会变得更快更准。进取型管理的投资组合越来越被被动式的机器人顾问所取代,而它们的表现相比于时而自相矛盾且收费高昂的财务顾问来说或许一致或更佳。

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