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银行自动化将在美国消除20万个工作岗位?

According to AI, the US banking industry predicts that over the next 10 years, 200,000 people will be financially adjusted, the largest labor-to-capital transfer in history. Wells Fargo analyst Mike Mayo revealed in a recent report. The unemployed accounted for 10% of the total number of employees, and the golden age of banking efficiency will come.

Reduction targets are mainly customer response counters and call centers. It is said that each branch will be reduced by 20-30%, and it will be possible to process with big data and cloud as an investment decision to replace it with high-performance ATM and chatbot.

In the overseas banking industry, a massive restructuring took place in the summer of 2019, and 30,000 people were unemployed. Looking at the representative, Deutsche Bank plans to cut 18,000 people by 2020, while HSBC cut 4,000 people. Bucklaise announced a hiring freeze of 3,000, Societe General 1,600, and Credit Switzerland.

The report predicts that it will be a decade when the presence of technology increases more than ever. Banking revenue is at the lowest level in the past 80 years, and when income decreases, spending should be cut, but labor costs account for half of bank spending. This can be reduced by borrowing the power of technology, but it is an analysis that if technology progresses, it can enter the golden age. Banks already don’t have a choice and are investing $150 billion a year in technology. In the past 25 years, work efficiency has not been greatly improved, but it has laid the foundation for large-scale automation. Labor costs, the biggest burden in bank spending, account for half of all spending, and if technology cuts this down, banks will have a chance to live.

In the case of Morgan Stanley’s large-scale merger, however, there may be situations where only the big players win in the process. Smaller banks will be merged and merged, and only large banks with stamina will survive, while large banks with spare capacity will be able to reduce labor costs through automation through technology. Related information can be found here .

lswcap

lswcap

通过每月的AHC PC和HowPC杂志时代,他在网络IT媒体上观看了“技术时代”,如ZDNet,电子报互联网经理,Consumer Journal Ivers的编辑,TechHolic出版商和Venture Square的编辑。 我很好奇这个仍然充满活力的市场。

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