April 18 16:08
More than 70 % of Russians are ready to trust in different extent recommendations for artificial intelligence algorithms when using various banking products – when investing, deposit management, lending, etc.
70 % of the Siberians also trust AI recommendations. This was shown by the All -Russian VTB survey prepared for the Data Fusion conference.
Participants of the survey were asked to submit themselves to investors with the amount of assets of 2 million rubles. Only 31 % of the Siberians reported that they were not ready to transfer to artificial intelligence any functions and powers to manage this portfolio. Every fifth Siberian (22 %) would like to use the recommendations of AI in managing a portfolio.
Also, every fifth resident of Siberia (19 %) would agree to transfer AI management of any small amount from its portfolio. 16 % would transfer the management “with limited powers”: in terms of size, types and number of transactions that AI-Robot could make. Correctly transferred all the management of the portfolio of artificial intelligence – 11 % of respondents. Thus, to one degree or another, AI in investment are ready to invest 70 % of respondents.
Similar answers were given by respondents to the question about deposits. Having a amount of 200 thousand rubles and wanting to open a contribution to this amount, 39 % of the Siberians said that “after weighing all the risks, they are ready to think about” to convey the decision to choose the contribution to artificial intelligence. 30 % said that they would study the recommendations of AI on various proposals of banks, 8 % replied that they would unconditionally transfer the authority of choosing a deposit. Less than a quarter (23 %) of the respondents noted that they do not need an AI assistant to open a deposit. In total, up to 77 % of Siberians can trust AI in resolving the issue of deposit.
In the situation with the choice of a credit proposal for recommendations, AIs are ready to rely more than half of the Siberians – 57 %. At the same time, 23 % are ready to fully convey this decision to the algorithms, so to one degree or another, AI in lending are ready to 80 % of Siberia residents, and 20 % are intended to rely on the opinion of “knowledgeable people”: experts, acquaintances, bank employees, etc.
In order to trust the algorithms of artificial intelligence more in solving financial issues, Russians, first of all, need confidence that AI allows them to significantly increase capital and save money. This version of the response (of several possible) was called 41 % of respondents. Another 37 % would like financial and solutions to be more perfect and “fundamentally change approaches to resolving financial issues.
A little less than a third of the respondents (27 %) reported that they would have to trust AI more if they had a “significant financial pillow”.
“Today, without AI algorithms, it is impossible to imagine a modern digital bank. Subsequently, the development of artificial intelligence technologies will make the process of making customer decisions for various purchases inextricably linked with them – in the banking sector and not only. We have already launched our own program for the development of artificial intelligence technologies – “digital assistant”. This is one of the key areas in the bank’s technological strategy for the next few years, which contributes to the unification of all technologies available in the bank, competencies and teams in the field of AI technologies, ”said Vadim Kulik, deputy presidential president of VTB.
