On June 29, Ma Yun, chairman of the board of directors of Alibaba Group, said at the "World Intelligence Conference" that in the competition between man and machine, man is intelligent, and machines can only be intelligent. Humans must understand what humans should do and machines should respect and respect the intelligence of machines, but don't be afraid of machines. Machines cannot replace humans.
He used Alipay as an example in his speech to explain how machines and humans perform their duties. He said that since the first day of Alipay, the machine has been learning about what is a crime by handling various types of fraud.
From a human perspective, no matter how smart a liar is, he has come up with ten ways to cheat. He is already a master. But with the help of human criminals and criminal experts, the machine can learn 20,000 and 30,000 tricks to distinguish what a fraudster is. From this perspective, machines learn harder, learn faster, never forget, and do not work 24 hours. Once a scam occurs, the machine can immediately recognize it, and through repeated learning, the machine will become more and more "smart".
It is understood that what Ma Yun mentioned is the self-developed risk control system (CTU) of Ant Financial. On the Alipay platform, hundreds of millions of transactions are generated every day, with a peak of more than 80,000 transactions per second.
Ma Yun said that the development of robots is not to make machines imitate humans, but to make machines do things that humans cannot. Such examples abound, and AI is serving Ant Financial's businesses like hydroelectric coal. Alipay's intelligent customer service Xiaoma will answer on its own to learn, the more questions it answers, the more accurate it is, especially for spoken language, incompletely expressed questions, and it can actively understand. At present, the satisfaction rate of Alipay's intelligent customer service is 78%, which is 3% higher than the manual resolution rate.
On June 14, 2017, Ant announced the opening of AI capabilities to the first 10 financial institutions that settled in Ant Wealth. This means that hundreds of millions of ordinary Alipay users, like the rich, have a deep understanding of their exclusive rights. Financial consultant, this consultant works 24 hours a day, and does not have any selfishness in recommending financial products, and does not charge commissions.
On June 27th, Ant Financial Services fully opened its technology product “Decision Loss Po” to the insurance industry, using AI to simulate the manual operation process in the car insurance loss determination process, helping insurance companies to achieve simple and efficient automatic loss determination. This is also the first commercial application of the image-determining loss technique in the automobile insurance field.
Ma Yun finally stated, "Machines should not be human opponents. Only when machines and humans cooperate together can they unite against the common problems of humanity in the future."