Si las previsiones de la consultora Gartner se cumplen, para cuando acabe 2018 el mercado de inteligencia artificial habrá sobrepasado los 1,2 billones de dólares. Una cantidad nada desdeñable, que da cuenta de la amplia proyección que este tipo de herramientas tiene entre distintas industrias. El empleo de mecanismos de IA o de alguna de sus ramas en concreto, como ‘machine learning’ o aprendizaje profundo, se está popularizando en áreas de actividad muy diversas, y con aplicaciones también variadas.
Uno de los sectores en el que está presente es el de las finanzas, donde tiene repercusiones tanto en la parte de trabajo interno como en la atención al cliente. Entre los usos que se le da está su aplicación para pagos. Según el informe de Business Insider Intelligence, AI in Banking and Payments, la IA tiene cuatro grandes áreas de empleo en el tema de pagos: en reducción de pagos fraudulentos y de falsos positivos, contra el lavado de dinero y en su uso en plataformas conversacionales. El estudio indica que de estos, los usos que más potencial tienen de cara a lograr buen retorno en un plato de cinco años son en temas de prevención y detección de fraude, evitando pagos engañosos y transacciones no autorizadas. El empleo para realizar cobros mediante plataformas conversacionales está en una fase menor de maduración.
Entre las compañías que ya emplean tecnología de IA en sus prácticas financieras está Mastercard. La organización presentaba a principios de este año una solución, Decisión Intelligente, que emplea ‘machine learning’ para asegurar los pagos y detectar posibles malos usos. En concreto, la herramienta emplea algoritmos para dar una puntuación predictiva al emisor, según un análisis inteligente, un dato que luego incorpora a sus soluciones contra el fraude. Así va generando una amplia base a través de la cual establecer los hábitos de compra, para luego adaptarse a cada caso y poder decidir en tiempo real si una operación es o no es sospechosa. Según explica Ajay Bhalla, presidente de Riesgos Corporativos y Seguridad de Mastercard, la implementación de IA en su red ayuda a las instituciones financieras y a los comerciantes a «incrementar la tasas de aceptaciones y mejorar la experiencia del consumidor”.
En el uso de IA en plataformas conversacionales está el caso de Amazon, que utiliza la IA en pagos a través de su asistente por voz Alexa. Según el analista de GlobalData Sam Murrant, el gigante del ecommerce busca «crear una ruta de pagos más ‘naturalista’ basada en la conversación». Esto es, agilizar y simplificar los pagos para el cliente: otro ejemplo de inteligencia artificial encaminado no tanto a la seguridad, sino a la comodidad del usuario. En cualquier caso, una muestra de cómo está conquistando terreno esta herramienta en el sector de los pagos. “Estas tecnologías ya están aquí y en uso comercial generalizado. La revolución de la IA parece estar en marcha» —añade Murrant—, «su progreso ahora es simplemente una cuestión de mejora iterativa en los modelos existentes».
Fuente: https://www.ciospain.es/
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