【AI焦慮？】花旗報告：54%銀行業工作可能被AI 取代 Citi Report: 54% of Banking Jobs Potentially Replaceable by AI
花旗集團於周三（19日）發表有關人工智能（AI）的報告，花旗表示銀行業約54%工作有潛力被AI取代，較其他行業多，但認為整體業界未會因此而人手減少。
花旗報告指，AI勢將顛覆消費金融業，並認為銀行業有54%的職位有較高的自動化潛力。但同時，銀行業有12%職位將因為AI而得到鞏固。
在AI替代的可能性方面，銀行業居首；其次是保險（48%）、能源（43%）和資本市場（40%）等行業。
全球最大的幾家銀行在過去一年已逐步引入AI作試驗，以圖提升員工生產力及降低成本。以花旗集團為例，該公司已經利用生成式AI，查閱並梳理數以百頁的規管建議文件內容。
花旗表示，即使AI取代了金融業的某些職位，並不意味着行業的整體員工數量會因而減少。金融業機構可能需要招聘大批AI經理和專門針對AI的合規人員等，以確保有關技術的運用符合法律規定。
新技術並不一定會導致裁員。花旗舉例指，從上世紀70年代到2000年代中期，銀行在引入櫃員機（ATM）後，銀行櫃員的數量仍然飆升。
On Wednesday (19th June), Citigroup Inc. (Citi) released a report on artificial intelligence (AI), stating that about 54% of jobs in the banking industry have the potential to be replaced by AI, a percentage higher than any other industry. The report suggests that this may not result in a reduction in overall number of staffs.
Citi’s report indicates that AI is is poised to revolutionize consumer finance, and 54% of roles in banking have a high potential for automation, while a 12% of roles could be enhanced by AI technology.
When it comes to the likelihood of AI replacement in jobs, the banking sector ranks first, followed by Insurance (48%), Energy (43%), and Capital Markets (40%).
Over the past year, several of the world’s largest banks have gradually begun incorporating AI into their operations, aiming to improve employee productivity and reduce costs. For instance, Citi has utilized generative AI to quickly review and organize hundreds of pages of regulatory proposals.
Citi emphasized that even if AI replaces certain jobs within the industry, it does not mean there would be a drop for the total number of employees. Financial institutions may need to hire a large number of AI managers and AI-focused compliance officers to ensure that the use of AI complies with legal requirements and regulations.
New technologies do not necessarily lead to job cuts. Citi cited an example from the 1970s to the mid-2000s, showing that the number of human tellers continued to increase even after the introduction of ATMs.
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