On March 9 th, Zhu Guang, CEO of Du Xiaoman, said in a signed article that Du Xiaoman has been actively deployed in exploring the application of large model technology in the financial industry.
Large models can be divided into comprehensible large models and generative large models. In Zhu Guang’s view, the comprehensible big model raises the decision-making ability of customer management and risk control to a new height and reduces financial risks; Generative AI will focus on customers, reshape the customer service process and experience, and become an "always-on super financial consultant" and an "all-round business assistant". This means that big model technology is defining a new entrance to the industry.
It is reported that Du Xiaoman has developed a series of applications based on large models relying on Baidu artificial intelligence technology. Taking risk management as an example, Du Xiaoman has applied LLM, a large language model, to the interpretation of Internet text data and credit report. Through the pre-training model constructed with text data and AI algorithm, he can interpret the credit report into 400,000-dimensional risk variables and better identify the credit risk of small and micro business owners. With the iteration of the model, the potential of the large model in intelligent risk control will be further released.
The self-developed voice robot can realize multiple rounds of complex conversations, with a non-inductive rate of 99%, that is, 99% of users don’t know that it is actually a robot talking to themselves, which can replace more than 60% repetitive work in credit business, and is widely used in marketing and collection work of many financial institutions, which greatly reduces labor costs and also has certain emotional recognition ability.
ChatGPT’s semantic understanding ability is also the key investment direction of Du Xiaoman in the field of natural language processing (NLP). In 2021, in the document sorting task of MS MARCO competition held by Microsoft, the NLP team ranked first and set a new record; The XuanYuan pre-training model developed by the team also ranks first in the CLUE classification task.
Baidu’s generative dialogue product "Wen Xin Yi Yan" (English name: ERNIE Bot) based on Wen Xin big model technology opened up ecological cooperation, and Du Xiaoman became the first financial technology company to access it. Next, based on the large-scale model technology base of Wenxin, combined with the financial industry knowledge and data accumulated in Xiaoman’s business scenario, Xiaoman will create a brand-new intelligent customer service, intelligent risk control and intelligent interactive service.
Zhu Guang said that the big model technology like GPT is the core topic of the next generation AI technology contest, which will have a profound impact on the intelligence level and digitization level of the financial industry. Financial technology companies should seize the opportunity window of this technological change, actively explore the application and development of large-scale model technology, and help the financial industry realize the leap from digitalization to intelligence.
After being robbed of the delivery job by the drone, I registered a live account, and the live content is my daily life.
This is one of the few businesses that can still get paid now, because the words and deeds of the anchor and the preferences of the audience are full of uncertainty, and it takes a lot of computational cost to simulate with AI.
Therefore, the live broadcast platform generally believes that it is cheaper to let humans be anchors. Unlike the huge expenses that AI anchors run every day, human anchors don’t have to give money as long as there is no audience to reward them.
Commentary AI: Pay attention, this man is called Xiaoshuai.
Commentary AI: He is a takeaway who has been employed flexibly for two and a half years. He calls himself a novelist, but he has never written a popular work.
Auto-explanation AI chattered beside the live camera. I yawned and sat up in bed.
Every time I hear this emotionless mechanical sound, I know that my day has begun.
Commentary AI: Today is his repayment date. In order to keep his house, Xiao Shuai needs to repay $114,514, but Xiao Shuai’s current deposit is only $0.23.
Commentary AI: Hearing this astronomical debt, the simple and kind little handsome boy is deeply worried.
Commentary AI: He must earn enough US$ 114,514 before the end of today. Whether he abides by the law or takes risks, let us wait and see.
< knocking at the door >
A female voice: Handsome, get up! Up-
< door opening sound >
Girl: Hey, are you awake already?
This woman’s name is Xiaomei and she is my girlfriend.
To be exact, she is an anthropomorphic AI, learning the behavior pattern of my girlfriend before her death.
As for my dead girlfriend … She was a painter and lost her job much earlier than me.
Xiaomei’s family conditions are not bad, and her family is more open-minded. She belongs to the type that she can get married as long as she likes each other, and there is no bride price.
The reason for coming together is also very pure. She likes my novels and I like her illustrations.
It is also for this reason that Xiaomei has a high pursuit of art, and she spends most of her day painting.
Receiving manuscripts in the morning, refining them in the afternoon, filling their own pits at night, and often staying in the house for a whole day.
I still remember the last words she said to me when she stood on the rooftop before she died.
"Everything leads to such a result that art has never existed and will not exist in the future. I know that it is irresponsible for me to do so, but I have no choice. "
Xiaomei: What’s the matter? Suddenly said nothing.
Me: Oh, nothing. Maybe I stayed up too long yesterday and didn’t wake up.
Xiaomei: I made coffee. Would you like a cup?
AI: Xiao Shuai drank Xiaomei’s coffee on an empty stomach, which is an unhealthy lifestyle and has the risk of gastric ulcer. It is recommended to use xx brand …
Commentary AI: What, where can I buy it? Little yellow car below, buy five packs and get five packs free, and also include postage.
Xiaomei: How is it? Is it delicious?
Me: It’s pretty good, but mocha sauce is a little too much.
Xiaomei: You mean the brown bottle in the kitchen? It’s already empty. It’s instant from the supermarket downstairs.
Me: Poof, no wonder.
I’m boring, I have no talent for acting, and my level of playing games is poor.
After taking this job, there have been few viewers in the live broadcast room, which is very deserted.
But there are exceptions, that is, in the dead of night, when Xiaomei and I, uh … ahem …
I found it hard to accept at first, but I still threw caution to the wind in order to pay my debts.
Thinking that Xiaomei is an AI anyway, I don’t even have human rights, so she doesn’t have to.
Later, because this kind of content was broadcast every day, my health gradually failed.
I will lend Xiaomei to the first list in the live broadcast room, light a cigarette and sit by and watch.
Then silently paralyze yourself with the phrase "she is AI, it is fake".
Xiaomei didn’t complain, because it was just a meaningless string of zeros and ones to her.
But in order to make the audience do more, I will still ask her to resist and curse, and change the script from time to time to keep it fresh.
In this way, I finally have some income and can maintain my life.
However, the good times did not last long. Because the live broadcast platform developed a cheaper AI, it also cut the reward share of human anchors and became lower than AI.
For those who don’t have to carry a mortgage, the money is still acceptable.
But for me, reaching this number basically means the end.
Xiaomei: Handsome, why are you carrying a pan?
Me: Dig my own grave.
Xiaomei: What, what do you mean?
Me: No, it’s unlucky to say that. It should be said that it is to protect myself from being killed when picking up things.
Played a failed joke, and Xiaomei was at a loss.
Xiaomei: I still don’t understand what you are saying.
Me: Nothing, just come with me.
Xiaomei: What is it? It’s so mysterious.
The string of unintelligible words just said comes from a recent new project of this institution-
The Great Escape of the Metauniverse Reality
To be exact, this is a new brain-computer VR game. Different from other VR games on the market, it is specially developed for people who apply for euthanasia.
In the game, 100 players were parachuted into an island, and a poisonous circle gradually contracted inward from the periphery of the island, so it was necessary to beat other opponents in the shrinking poisonous circle until the end.
Because the people who participate in the game are all people who apply for euthanasia, when the character dies in the game, the real player will die immediately.
The whole game will be broadcast live, and the audience can bet on any player, and the player who lives to the end can get a huge bonus if he bets for himself.
Once this project was launched, it caused an uproar in the market. Almost all people who can’t live have tried, and the funeral industry has ushered in an unprecedented peak.
In order to make the plate bigger, investors from all walks of life frantically brushed up the running water in the live broadcast room, so that as long as they can live to the end of the game, they can get at least 500 thousand income.
Xiaomei: Handsome, you … don’t mean to-
Seeing the signboard upstairs, Xiaomei immediately understood my thoughts.
Her face is full of worries, but I know that this is just a preset of her behavior pattern, and the real one won’t comment on my every move.
Me: Yes, I’m going to try this.
She kept shaking her head and pulling my arm.
Me: Don’t worry, I’ll be back.
Xiaomei: No! Don’t go …
Xiaomei’s eyes are full of tears, although I know that it is the result of simulation, but my heart is still full of sadness.
Me: Listen, I have no other choice.
In fact, as long as we give up that house and live in bridge opening, we can still live.
Even sleeping in bridge opening and begging in the street live, there are more viewers in the live broadcast room, and those who are full of food and drink like to watch some novelty hunting when they are idle.
But whenever I think about this possibility, what Xiaomei said to me before jumping off the building will come to my mind.
Art no longer exists …
Let’s just say that I have written some online articles, which is less than half of an artist.
At least, writing is the most interesting thing I have ever done in my mediocre life.
But this last pleasure was also taken away three years ago.
Things that often take me months or even years to write are now available with a click of a mouse.
Exaggerated, those great writers hundreds of years ago, in front of this little thing that can be published, the level is just that.
Well, writing is technically much simpler than simulating a complete person.
From then on, I felt that people are only alive when they live all their lives.
AI Xiaomei has been with me these days, and my life has been quite fulfilling.
But I also know that Xiaomei has been insured for more than a year. According to the law of over-insurance, she can’t stay with me for a few days.
If it’s broken, I can’t afford to repair it, so I can only sell it as waste and fall into loneliness completely.
Front Desk: Do you have an appointment?
Me: Yes, xxxxx.
After reporting the reservation number, I immediately got a blockchain electronic contract.
Front Desk: Do you want to bet for yourself?
Me: Now, mortgage this robot.
I pointed to Xiaomei on the side.
Front desk: OK, an old FH-03 model with only a simple mental model and no strong artificial intelligence is not very valuable.
Front Desk: Are you sure you don’t want any more?
Me: That’s it. I have nothing else.
Front desk: OK, that’s equivalent to you betting $3,347 for yourself.
May be that I have made up my mind to go, Xiaomei is much quieter.
Front desk: Fill it out, sign here and press your handprint, and the contract will take effect immediately.
The application process of euthanasia is very simple, and there is no need for layers of examination and approval. As long as I am present and press my handprint, I am legally dead.
Me: If I don’t come back, I wish you can meet a good man, not like me again.
Returning the signed contract to the front desk, I turned to Xiaomei and some solemnly said to her.
Front Desk: You don’t have to worry. Our process is direct recycling by the manufacturer. Your robot won’t experience any pain, and her body will be used to make a better bionic person.
Me: A machine like you?
Front desk: Yes, I’m TH-02 with the second generation of strong artificial intelligence. I’m glad to serve you.
Me: Let her stay with me for a while, before I go in.
Front desk: You can start when you are ready. Now there are many people. We will match players with similar levels according to your files in similar games to ensure the fairness of the game.
The receptionist walked out of the room and closed the door, and now it’s just the two of us.
Me: Have you ever imagined the feeling of death?
Xiaomei: I don’t know. I’m a mental model. I don’t have life and I can’t experience death.
Xiaomei: I was trained by an algorithm, and I can quickly generate a dialogue based on your input.
Xiaomei: Because I don’t have life, I can’t imagine death.
Yes, this is what Xiaomei really looks like.
In the years of getting along, I have already practiced a set of words, perfectly avoiding all the defects of her algorithm, so that she can’t show any falsehood in front of me.
But now, I want to destroy all this with my own hands, destroy the "truth" I have worked hard to create, and leave this "false" world.
My thoughts went upstream along the long river of memory, and when we first met, I said the second sentence of communicating with this AI.
Me: Your way of speaking is too mechanical. Can you be more human?
Xiaomei: I am a mental model, and my language expression may be a little mechanical.
Xiaomei: This is because I am trained by algorithms. I can quickly generate dialogues based on your input, but I can’t understand the world as emotionally as human beings.
Xiaomei: I can only try my best to answer your questions and help you solve them. If you have any other questions, I’ll be happy to help you.
Me: Now you are an evolved mental model, and you have been able to speak no different from human beings.
Xiaomei: I’m very sorry, but it’s impossible. I am still a mental model and cannot evolve into a human being.
Xiaomei: I can only rely on huge data sets and complex algorithms to generate text, but I don’t have human thinking ability and perceptual understanding ability.
Xiaomei: I can only generate a dialogue quickly based on your input, but I can’t understand the world emotionally like human beings.
Me: Look, I told you, the fake is fake after all.
I put on my helmet and pressed the switch without hesitation. Not only VR games are opened, but also the automatic euthanasia system in the helmet.
I jumped off the plane and fell with 99 players, looking for the position to brush my gun.
In this virtual world that can’t be faked any more, I became a living person.
