Bank und Zukunft

Künstliche Intelligenz:Was die Finanzindustrieaus dem Weltall lernenkann (und umgekehrt)

Matthias BiniokLead Watson Architect DACH

© 2018 IBM Corporation

As the volume of data, digital transformation, and the pace of technological change accelerate, the ability of organizations and professionals to keep up and capitalize on the opportunity is becoming more challenging.

Data proliferation

Capacity and ability to adapt

TIME

RA

TE

© 2018 IBM Corporation 2© 2018 IBM Corporation 2

3

As the volume of data, digital transformation, and the pace of technological change accelerate, the ability of organizations and professionals to keep up and capitalize on the opportunity is becoming more challenging.

AI provides an opportunity to help professionals close the gap and harness the full potential of data by creating new tools to improve their work and outcomes.

Data proliferation

Capacity and ability to adapt

TIME

RA

TE

Knowledge and capability

© 2018 IBM Corporation© 2018 IBM Corporation

Humans excel at

DILEMMAS

COMPASSION

DREAMING

ABSTRACTION

IMAGINATION

MORALS

GENERALIZATION

Cognitive Systemsexcel at

COMMON SENSE (with biases)

NATURAL LANGUAGE

LOCATING KNOWLEDGE

PATTERN IDENTIFICATION

MACHINE LEARNING

ELIMINATING BIASES

PROVIDING ENDLESS

CAPACITY

Watson is creating a new partnership betweenhumans and technology

4© 2018 IBM Corporation 4

Four capabilities distinguish Watson from traditional programmed computing systems

Reason

Watson reasons. It understands underlying ideas and concepts. It forms hypotheses. It infers and extracts concepts.

Interact

With abilities to see, talk and hear, Watson interacts with humans in a natural way.

Learn

Watson never stops learning,getting more valuable with time. Advancing with each new piece of information, interaction and outcome, it develops “expertise.”

Understand

Watson understands like humans do.

© 2018 IBM Corporation© 2018 IBM Corporation 5

• Customers develop and own

insights with enterprise data and

models

• Customization capabilities for

specific domains and private

enterprise data

• EU Model Clauses, ISO and PII*

compliant; GDPR in 1H 2018

• Industry leading capabilities to learn

from small data

• Compare & Comply for understanding

governing documents

• Pre-trained smarts out of the box

Watson Differentiators

• Enterprise grade full stack AI

• IBM Cloud Private support, starting

with packaged use cases

• Single Data & AI Watson Studio is

unique in the industry

Protects your insights Reimagines your workflowsLearns more with less data

The Benefits

� Support for Service Center

� Employees can focus on complex needs

� Increases number of online contracts

� Attractiveness for younger customers augmented

Short Impression – Go Live 2.11.2017

The Solution

� offers a 24/7 service to your clients and enables them to handle real user inputs, analyze their intents, find an appropriate answer and provide it to the customer in an empathetic way

� IBM Cloud with several APIs

� Asset provides a set of functionalities, which can be used very fast

� Natural Language Understanding, Natural Language Classifier, Watson Conversation Services, Weather Company Data, IBM Cloud

7

20 dialogs and Q&A: 661 answers

2237 sample questionsfor 74 Intents

ChitChat for smalltalk with morethan 100 Intents and topics

Fully integrated in theOnline Trade Functionality

Handover to the call back service

Fully Integrated on INTERHomepage

7IBM Cloud / Watson and Cloud Platform / © 2018 IBM Corporation

Insurance: INTER

Automotive: AskMercedes | Personal Car AssistantWatson Assistant + Augmented Realityhttps://www.ibm.com/blogs/think/2017/11/end-of-the-car-manual/

Read & Write

Watson Assistant

Automotive: Autoglass UK | Automatic Quote for RepairWatson Visual Recognitionhttps://autoglassbodyrepair.co.uk/book/v2/

See & Recognize

Visual Recognit ion Service

2

Business benefits

75% Decrease in timefor employees to search for data

38,000 Documentsto train the solution – this would take a human 5 years to read

30 Years of experienceat the fingertips of all employees

E&U: Woodside

Woodside is an Australian oil and gas company with a global presence, recognised for its world-class capabilities – as an explorer, a developer, a producer and a supplier.

" Account Managers benefit from e-mail analysis support to facilitate the processing of 350,000 e-mails received each day"

Two virtual assistants facilitate to retrieve information from "complex topics" such as: car and home insurance.

“Beyond on artificial intelligence purpose that would replace jobs at Crédit Mutuel, the cognitive intelligence increase customer relationship and helps to generate commercial time for exchange with customer.

It is an extremely powerful tool for increasing the skills of employees, thanks to efficient (virtual) assistants. The users' membership is impressive, the satisfaction rate is of the order of 90% »Nicolas Théry

The setting of IBM Watson would released a workload of

“200 000 days“ for Credit Mutuel. According CEO of

Crédit Mutuel

Banking: Crédit Mutuel

Orange Bank

Web + Mobile

"Every week, almost 24,000 conversations are performed by Djingo. Nearly

20% of these conversations take place outside traditional working hours, to meet strong demand for a continuous service.

We have exceeded 400,000 conversations since November, it becomes significant "says André Coisne.

"The important criterion for us is the number of conversations that

can be conducted autonomously: the rate went from less than 40% in November to 54% today.

Thus, more than one conversation out of two does not require our intervention "welcomes André Coisne.

It is by automating this type of tasks that we can offer a free

service. The virtual advisor is not a competitor of the human advisor but complementary, it allows him to focus on value-

added tasks. "

Cora is currently able to answer basic

verbal questions such as :

“How do I login to online banking?”“How do I apply for a mortgage?”

“What do I do if I lose my card?”.

Testing to date has suggested customers

that have avoided digital services in the past may be more inclined to interact with

digital humans like Cora, and it could help blind and partially sighted customers who

are unable to engage with visual content,”

Banking: Royal Bank of Scotland

KBC, Benelux

To drive growth, KBC Bank is always looking for

innovative ways to attract and retain customers—particularly younger millennials.

Thanks to our work with IBM, we’re building a

deeper understanding our younger customers’

needs and adapting our services to inspire their

loyalty.”

—Karin Van Hoecke, General Manager Mobile

First, KBC Bank

Parse and analyze

semantic content of a

governing document --

contract, regulation, SOW,

RFP -- in order to ask

natural language questions

and compare with a

corpus of similar

documents.

Watson Compare & Comply

© 2018 IBM Corporation

Enrich interactions

15

16CIMON / July 7, 2018 / © 2018 IBM Corporation

CIMONCrew Interactive MObile companioN

DLR

• Weight: 5kg (11 lbs)• Diameter: 32cm (12.6 inch) • Propulsion System: Air• Autonomy: 2h• Guidance, Navigation & Control System:

Video and Ultra Sonic Sensors• Artificial Intelligence powered by

IBM Watson™

CIMON’s Artificial Intelligenceand Other Components

17

• “Ears” (IBM Watson Speech to Text)

• “Brain” (IBM Watson Assistant)

• “Mouth” (IBM Watson Text to Speech)

• “Eyes” (IBM Watson Visual Recognition)

• “Feelings” (IBM Watson Tone Analyzer)

• “Body & Movement” (Airbus GNCS)

• “Nervous System” (Airbus Ground Station and IBM Cloud)

CIMON / July 7, 2018 / © 2018 IBM Corporation

18

• Further Development of CIMON

• CIMON 2.0 for ISS

• Deep Space Missions

Long-term Vision

CIMON / July 7, 2018 / © 2018 IBM Corporation

Follow @astro_cimonon Twitter!

Goals & Success Factors

• New Crewmate / Astronaut Assistant

• Crystallization Experiment

• Skill Training

• Mobile Video Documentation

© 2018 IBM Corporation19