Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023

Insight

A cikin 2023, haɗuwar Artificial Intelligence (AI) da Quantum Computing (QC) ya yi tasiri ƙwarai a kan masana'antar banki da kuɗi. Waɗannan fasahohin sun sauya yadda cibiyoyin kuɗi suke aiki, wanda ya yi tasiri sosai a kan biyan kuɗi, gudanar da haɗari, da tsaron yanar gizo.

Wannan labarin yana tattaunawa ne kan tasirin samfuran open-source AI, QC a cikin tsaron mu'amala, da kuma dokoki da mulki a kan banki da kuɗi.

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Muhimmancin AI da Quantum Computing a Masana'antar Banki

Masana'antar banki tana fuskantar gagarumin sauyi, sakamakon haɗuwar Artificial Intelligence (AI) da Quantum Computing (QC). Waɗannan fasahohin na juyin juya hali suna sake tsara sashin ayyukan kuɗi, suna kawo matakan inganci da ba a taɓa gani ba, tanadin kuɗi, da haɓaka ƙwarewar abokan ciniki.

Haɓakar Haraji na Kasuwar AI Software: Hoto na Ci gaba

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Kasuwar software na AI tana samun gagarumin ci gaba, tare da hasashen samun kuɗin shiga na shekara-shekara wanda zai kai dala biliyan 126 mai ban mamaki nan da shekarar 2025.

Wannan hoton yana nuna ban mamakin ci gaban kasuwar daga shekarar 2018 zuwa 2025, yana nuna haɓakar buƙatar hanyoyin magance matsala masu amfani da AI a cikin masana'antu daban-daban.

Ikon AI a cikin Banki

AI algorithms sun nuna kyakkyawan iko wajen bincika ɗumbin bayanai, gano alamu, da kuma yanke shawara mai kyau. Wannan ikon yana da matuƙar amfani ga bankuna a fannoni daban-daban na ayyukansu.

• Risk Assessment: Tsarin gudanar da haɗari mai amfani da AI na iya bincika rukunin bayanan kuɗi don kimanta amincin bashi, gano yuwuwar zamba, da kuma rage haɗarin kuɗi. Wannan yana bawa bankuna damar yanke shawara mafi kyau game da ba da rance da kuma kare babban birninsu.

• Loan Approval Processes: AI na iya daidaita hanyoyin amincewa da rance, yana rage lokacin jira da haɓaka gamsuwar abokan ciniki. Ta hanyar sarrafa ayyuka da amfani da predictive analytics, bankuna na iya gudanar da aikace-aikacen cikin sauri da inganci.

• Investment Portfolio Optimisation: AI na iya bincikar yanayin kasuwa, abubuwan haɗari, da manufofin saka hannun jari na ɗaiɗaikun mutane don inganta hanyoyin saka hannun jari. Wannan na iya taimaka wa abokan ciniki cimma burinsu na kuɗi yayin gudanar da haɗari yadda ya kamata.

• Fraud Detection: AI algorithms na iya gano alamu a cikin bayanan mu'amala waɗanda zasu iya nuna alamar zamba. Wannan yana bawa bankuna damar gano mu'amaloli masu zargi da ɗaukar matakin da ya dace don hana asarar kuɗi.

• Customer Service: AI na iya haɓaka hulɗar sabis na abokan ciniki na ɗan adam ta hanyar ba da tallafi mai gamsarwa, amsa tambayoyi cikin sauri, da ba da shawarar samfurori da sabis na musamman. Wannan na iya haɓaka gamsuwa da amincin abokan ciniki.

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Quantum Computing: Buɗe Binciken Bayanai marar Kwatankwaci

HSBC ⧉ ya kasance a kan gaba wajen haɗa quantum computing a cikin sashin kuɗi. Bankin ya haɗa kai da masu samar da fasaha da ɗakunan bincike don gano yadda za a yi amfani da fasahohin quantum ga matsalolin yau da kullum.

HSBC shi ne banki na farko da ya kare kasuwancin canjin kuɗaɗe na waje mai amfani da AI tare da quantum a cikin 2023 ⧉. A cikin gwaji na farko a duniya, HSBC ya yi amfani da Quantum Key Distribution don kare cinikin Euro miliyan 30 zuwa dalar Amurka. Wannan gwajin ya nuna cewa fasahar quantum za ta kare kasuwanci na kowane irin ƙima lokacin da ta kasance mai sauƙin samu a kasuwance kuma za a iya faɗaɗa ta.

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Haɓakar Open-Source AI: Sauyin Tsarin Aiki a cikin Artificial Intelligence

Shekarar 2023 ta shaida gagarumin haɓaka wajen ɗaukar fasahar open-source AI, musamman a fannin Large Language Models (LLMs). Open-source AI yana nufin software da kayan aikin AI waɗanda lambobin su (source code) suke a buɗe ga masu haɓakawa (developers), masu bincike, da sauran masu ruwa da tsaki.

Wannan watsa fasahar AI ga kowa ya haifar da gagarumin ci gaba, ya haɓaka yaduwar samfuran open-source, kuma ya ƙarfafa LLMs a matsayin jagora a cikin ƙirƙirar AI. Waɗannan samfuran sun taka muhimmiyar rawa wajen haɓaka ƙirƙira, inganta yanke shawara, da inganta gudanar da haɗari a cikin masana'antu daban-daban.

Open-Source LLMs: Sauya Yanayin AI

Open-source LLMs, kamar su WizardLM ⧉ da LLaMA 2 ⧉, sun fito a matsayin masu fafatawa na kusa da samfuran closed-source. Misali, Vicuna ⧉, LLM mai arha sosai, ya sami kashi 90% na ƙarfin ChatGPT duk da cewa dukan aikin horarwa ya ci dala 300 kacal. LLaMA 2 ⧉ ya kafa ma'auni na zinari don AI na ɗabi'a ta hanyar samun mafi ƙarancin maki na keta doka ya zuwa yau. Open-source LLMs sun fi sauƙin fahimta kuma ana iya daidaita su fiye da "black box" closed-source LLMs, waɗanda ba su da sauƙin fassara.

Haɓakar Ban Mamaki na Samfuran Open-Source AI a cikin 2023

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Wannan jadawalin yana nuna gagarumin haɓakar samfuran open-source AI a cikin shekarar 2023, tare da ƙaruwa mai ban mamaki a cikin adadin ayyuka (projects) da gudummawar da aka bayar. Wannan yanayin yana nuna haɓakar muhimmancin open-source AI wajen tura ƙirƙira da haɓaka haɗin gwiwa a cikin al'ummar AI.

Wasu buɗaɗɗen LLMs da yawa sun sami babban hankali saboda iyawarsu ta ban mamaki:

• Mixtral 8x7B ⧉: Mistral AI ne ya haɓaka shi, wannan ƙaƙƙarfan samfurin yare na AI ya yi fice don samun open weights, wanda ke ba da damar aiki a cikin gida (local operation) tare da ƙarancin hani fiye da samfuran masu fafatawa. Yana sarrafa har zuwa tagogin mahallin 32K token kuma yana tallafawa yaruka da yawa ciki har da Faransanci, Jamusanci, Mutanen Espanya, Italiyanci, da Ingilishi. An tsara Mixtral 8x7B ⧉ don ayyukan rubutu, binciken bayanai, magance matsalar software, da programming. Yana da'awar daidaitawa ko wuce GPT-3.5 na OpenAI kuma ya fi LLaMA 2-70B na Meta aiki a wasu ma'auni.

• GPT-NeoX-20B ⧉: Tare da parameters biliyan 20 mai ban mamaki, GPT-NeoX-20B ya tsaya a matsayin jagoran open-source LLM. GPT-NeoX-20B yana da tushe akan GPT-3 amma yana gabatar da synchronous data parallelism da gradient checkpointing don inganta aiki da inganci. Samfurin ya nuna kyakkyawan aiki a cikin ayyuka daban-daban, ciki har da amsa tambayoyi, summarization, da fassara.

• GPT-J ⧉: Tare da parameters biliyan 6, GPT-J ⧉ yana ba da sauƙin shiga idan aka kwatanta da manyan samfuran. An horar da GPT-J ⧉ akan bayanan Pile kuma yana da tushe iri ɗaya da tsarin GPT-2. Yana fahimtar nuances na tattaunawa, yana ba da bayanai daga tushe daban-daban, yana daidaita sautinsa da salonsa, kuma yana ba da fifiko ga samar da abubuwan da ke da ɗabi'a da alhakin gaske.

• OPT-175 ⧉B: Yana alfahari da girman da ba a taɓa gani ba na parameters biliyan 175, OPT-175B ⧉ ya tsaya a matsayin babban samfurin inganci da siffa. An horar da shi akan bayanan rubutu marasa lakabi waɗanda galibi ke ɗauke da jumlolin Ingilishi, OPT-175B ⧉ yana amfani da tsarin Transformer don sarrafa rubutu a matakai daban-daban. Samfurin ya nuna kyakkyawan aiki a cikin ayyuka daban-daban, ciki har da amsa tambayoyi, summarisation, da fassara.

• LLMa 2 ⧉: Tare da parameters biliyan 1.6, LLMa 2 ⧉ yana nuna juriya da iyawa daban-daban, yana biyan bukatun ayyuka daban-daban, ciki har da amsa tambayoyi, summarisation, da fassara. An horar da shi akan bayanan Pile kuma yana amfani da tsarin Transformer, LLMa 2 ⧉ ya tabbatar da daidaituwarsa a aikace-aikace daban-daban.

• Google Gemini LLM ⧉: An bayyana shi a cikin 2023, Google Gemini LLM ⧉ yana wakiltar wani babban mataki na gaba a fannin large language models. Da aka bayyana shi a matsayin magaji ga PaLM 2 ⧉, an tsara Gemini LLM ⧉ don yin fice a fannoni daban-daban, ciki har da fahimtar harshe na zahiri (natural language understanding), samar da nau'ikan rubutu na ƙirƙira daban-daban, da kuma amfani da ilimi don magance matsaloli. Tare da ikonsa na sarrafa bayanan multimodal, Google Gemini LLM ⧉ yana da babban damar yin amfani da shi a sassa kamar computer vision, binciken kimiyya, da kula da lafiya. A halin yanzu ana samun samfurin a cikin girma uku: Ultra, Pro, da Nano, don biyan bukatun sarrafa bayanai daban-daban.

Juyin Juya Halin Open-Source AI: Tsara Makomar AI

Juyin juya halin open-source AI yana sauya yanayin haɓakawa, tura aiki, da amfani da AI gaba ɗaya. Ta hanyar sanya AI ya fi sauƙin samu, mai araha, da kuma iya ayyuka daban-daban, fasahar open-source tana buɗe damar AI ga kowa kuma tana share fagen samun sabbin abubuwa na ban mamaki. Yayin da yunkurin open-source ke samun ƙarfi, za mu iya sa ran samun ƙarin ci gaba na musamman da zai tsara makomar AI da babban tasirinsa a duniyarmu.

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Kalubalen tsara dokokin AI

Wanti kalubalen kuma shi ne tabbatar da cewa tsarin AI yana da adalci kuma ba shi da son kai. Tsarin AI na iya ci gaba da nuna son kai da ke cikin bayanan da aka horar da su a kai. Don haka yana da mahimmanci a haɓaka tsarin AI waɗanda ke da gaskiya da riƙon amana, kuma waɗanda za a iya yin audit log a kansu don gano tare da magance yuwuwar son kai.

A ƙarshe, yana da mahimmanci a kafa jagororin ɗabi'a don haɓakawa da tura ayyukan AI. Ya kamata a tsara da kuma amfani da tsarin AI ta hanyar da ke da alhaki da mutunta haƙƙoƙin ɗan adam. Misali, bai kamata a yi amfani da tsarin AI don cutarwa ko cin gajiyar daidai-da-daida ba, kuma kada a yi amfani da them don katsalandan ga sirrin mutane.

Magance waɗannan ƙalubalen zai buƙaci haɗin gwiwar masu ruwa da tsaki da yawa da suka haɗa da gwamnatoci, kasuwanci, masu bincike, da ƙungiyoyin sa kai. Yana da mahimmanci a fara tattaunawa yanzu kan yadda za a tsara dokokin AI ta hanyar da za ta daidaita buƙatar sirri da tsaro tare da buƙatar ƙirƙira.

Matsayin Mulkin AI

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A cikin 2023, gagarumin matakai da ci gaba a duniya sun tsara yanayin mulkin AI da ka'idoji. Waɗannan ayyukan suna nuna haɓakar fahimtar buƙatar tsayayyen tsarin aiki don sa ido kan haɓakawa da tura fasahohin AI ⧉.

A Amurka, Shugaba Joe Biden ya ba da wani executive order don gudanar da haɗarin da ke tattare da AI da tallafawa ƙoƙarin ƙasa da ƙasa na gudanar da mulkin AI ⧉. Ofishin Fadar White House na Office of Science and Technology Policy (OSTP) ⧉ ya shiga cikin tattaunawa mai zurfi tare da masu bincike, kamfanoni, da ƙungiyoyin sa kai don ba da shawara kan mulkin AI. Amurka tana aiki tare da kawayenta da abokan hulɗarta kan mulkin AI, gami da shiga cikin G7 Hiroshima AI Process da kuma AI Safety Summit ⧉ na ƙasar Burtaniya.

Burtaniya ta karɓi bakuncin taron farko na AI Safety Summit ⧉, wanda ya haɗa shugabannin gwamnatocin duniya wuri guda don tattauna haɗarin AI da matakan haɗin gwiwa na ƙasa da ƙasa ⧉.

Bletchley Declaration ⧉ ya ga ƙasashe 28 tare da Tarayyar Turai (EU) sun yi alƙawarin yin aiki tare don magance haɗarin da AI ke haifarwa lokacin taron farko na AI Safety Summit a Burtaniya.

Shugabannin MIT da masana sun fitar da jerin takardun manufofi kan mulkin AI don taimaka wa masu tsara manufofi ƙirƙirar mafi kyawun sa ido. A Framework for U.S. AI Governance: Creating a Safe and Thriving AI Sector ⧉ ya ba da shawarar cewa hukumomin gwamnati da ke akwai su tsara dokokin kayan aikin AI.

Fiye da ƙasashe 60 a Amurka, Afirka, Asiya, da Turai sun buga dabarun AI na ƙasa, wanda ke nuna yunƙurin duniya game da mulkin AI. China ta taka rawar gani wajen ƙaddamar da ƙa'idodi da dokoki, gami da Global AI Governance Initiative ⧉ da kuma Interim Administrative Measures for the Management of Generative AI Services ⧉.

Waɗannan matakai da ci gaba suna nuna haɓakar buƙatar daidaitattun ƙoƙarin ƙasa da ƙasa don samar da haɓakawa da tura AI cikin alhaki. Yayin da aka sami ci gaba, yanayin AI mai rikitarwa da saurin haɓaka yana haifar da ƙalubale na yau da kullun waɗanda ke buƙatar ci gaba da kulawa.

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Kammalawa

Shekarar 2023 ta ga gagarumin ci gaba a fannonin AI da QC, musamman a masana'antar banki. Amfani da kariyar quantum na farko da HSBC ya yi don kasuwanci mai amfani da AI yana wakiltar wani muhimmin mataki a cikin aikace-aikacen waɗannan fasahohin a fannin banki. Samfuran open-source sun haɓaka balagar AI, yayin da takardun MIT kan mulkin AI suna ba da taswirar hanya don dokoki. Waɗannan ci gaban za su tsara makomar AI da QC, tare da babban tasiri ga banki da kuɗi.

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Kuna son ƙarin koyo game da tasirin AI da Quantum Computing a masana'antar banki?

A taƙaice, ina fatan wannan labarin ya tayar muku da sha'awar sanin ikon sauyi na AI da Quantum Computing a masana'antar banki.

Idan kuna son ƙarin koyo game da haɗuwar AI da Quantum Computing a masana'antar banki, kada ku yi ƙasa a gwiwa wajen tuntuɓata a LinkedIn ⧉ ko ta shafin Tuntuɓa ⧉.

Hakanan zaku iya kasancewa tare da ni a sabon tasha ta na YouTube, Banking on Quantum ⧉, inda zan bincika sabbin ci gaba a cikin waɗannan fasahohin juyin juya hali da tasirinsu ga makomar kuɗi.

Kuyi rajista (Subscribe) a Banking on Quantum yau kuma ku kasance a gaba a wannan fanni mai saurin haɓaka! ⧉

Godiya ta musamman kuma don lokacinku, kuma ina ɗokin jin labari daga gare ku!

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An duba na ƙarshe a 2026-06-23.

Bita ta ƙarshe 2026-07-02.

# Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau

> Originally published at [https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/](https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/)

Binciken Fasahar Teknoloji na 2023: AI da Quantum Computing suna juya Banki, Haɓakar Samfuran Open-Source, da Dokokin Tsarin Mulki

Read the full article on sebastienrousseau.com: https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/

Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau

Binciken Fasahar Teknoloji na 2023: AI da Quantum Computing suna juya Banki, Haɓakar Samfuran Open-Source, da Dokokin Tsarin Mulki

https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/

Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau

Binciken Fasahar Teknoloji na 2023: AI da Quantum Computing suna juya Banki, Haɓakar Samfuran Open-Source, da Dokokin Tsarin Mulki.

Ga abubuwan da ya kamata a lura da su na dabarun:

- Insight. A cikin 2023, haɗuwar Artificial Intelligence (AI) da Quantum Computing (QC) ya yi tasiri ƙwarai a kan masana'antar banki da kuɗi.
- Muhimmancin AI da Quantum Computing a Masana'antar Banki. Masana'antar banki tana fuskantar gagarumin sauyi, sakamakon haɗuwar Artificial Intelligence (AI) da Quantum Computing (QC).
- Haɓakar Open-Source AI: Sauyin Tsarin Aiki a cikin Artificial Intelligence. Shekarar 2023 ta shaida gagarumin haɓaka wajen ɗaukar fasahar open-source AI, musamman a fannin Large Language Models (LLMs).
- Kalubalen tsara dokokin AI. Wanti kalubalen kuma shi ne tabbatar da cewa tsarin AI yana da adalci kuma ba shi da son kai.

Menene hanyar ƙungiyar ku wajen magance ƙalubalen da aka kawo a wannan rubuce-rubucen?

→ https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/

#AiACikinBanki #QuantumComputing #FinancialTechnology #OpenSourceAi #GudanarDaHaɗari

Sebastien Rousseau | CC-BY-4.0

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  author  = {Rousseau, Sebastien},
  title   = {{Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau}},
  year    = {2023},
  url     = {https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/},
  urldate = {2023}
}

TY  - GEN
AU  - Rousseau, Sebastien
TI  - Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau
PY  - 2023
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Rousseau S. Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau. sebastienrousseau.com. 2023 Dec 18. Available from: https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/

Rousseau, Sebastien. "Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau." sebastienrousseau.com. December 18, 2023. https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/.

Rousseau, S. (2023, December 18). Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau. sebastienrousseau.com. https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/

Halin da AI da Quantum Computing Suke Ciki a Fannin Banki: Bita ta Shekarar 2023 — Sebastien Rousseau

Binciken Fasahar Teknoloji na 2023: AI da Quantum Computing suna juya Banki, Haɓakar Samfuran Open-Source, da Dokokin Tsarin Mulki

Originally published at https://sebastienrousseau.com/ha/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/ by Sebastien Rousseau.
Licensed under CC-BY-4.0.

SEBASTIEN ROUSSEAU · FOUNDER · ENGINEER