{"id":17103,"date":"2024-10-28T09:21:23","date_gmt":"2024-10-28T09:21:23","guid":{"rendered":"https:\/\/test.tilde.ai\/?p=17103"},"modified":"2025-11-27T16:50:44","modified_gmt":"2025-11-27T14:50:44","slug":"why-is-ai-advancing-slowly-in-banking","status":"publish","type":"post","link":"https:\/\/test.tilde.ai\/et\/blog\/why-is-ai-advancing-slowly-in-banking\/","title":{"rendered":"Tilde ja General Financing Banki spetsialist vestlevad: miks on TI nii aeglane pangandussektorisse tulema?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"17103\" class=\"elementor elementor-17103\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61d6191 e-flex e-con-boxed e-con e-parent\" data-id=\"61d6191\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb015e0 elementor-widget elementor-widget-shortcode\" data-id=\"bb015e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"page\" data-elementor-id=\"21097\" class=\"elementor elementor-21097\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58a3430b e-flex e-con-boxed e-con e-parent\" data-id=\"58a3430b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d2f31d9 elementor-widget elementor-widget-shortcode\" data-id=\"6d2f31d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"riivsai\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Avaleht<\/span><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3856ae94 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"3856ae94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Tilde ja General Financing Banki spetsialist vestlevad: miks on TI nii aeglane pangandussektorisse tulema?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23eb1b5c elementor-align-center elementor-mobile-align-left elementor-widget elementor-widget-post-info\" data-id=\"23eb1b5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-1935125 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/test.tilde.ai\/et\/2024\/10\/28\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>28. oktoober 2024<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-343074d3 e-flex e-con-boxed e-con e-parent\" data-id=\"343074d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1aede4a9 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"1aede4a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:2,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:80}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"3333\" height=\"2000\" src=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/Article_2_new.png\" class=\"attachment-full size-full wp-image-17104\" alt=\"Tiitlipilt koos Giedriuse ja Justinasega\" srcset=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/Article_2_new.png 3333w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/Article_2_new-300x180.png 300w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/Article_2_new-1024x614.png 1024w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/Article_2_new-768x461.png 768w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/Article_2_new-1536x922.png 1536w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/Article_2_new-2048x1229.png 2048w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/Article_2_new-18x12.png 18w\" sizes=\"(max-width: 3333px) 100vw, 3333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51e0ec1a e-flex e-con-boxed e-con e-parent\" data-id=\"51e0ec1a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c69d483 elementor-widget elementor-widget-text-editor\" data-id=\"c69d483\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p><strong>Business Insideri 2023. aasta uuringu kohaselt kasutavad 80% kogu maailma pankadest ja finantsasutustest mingil kujul tehisintellekti (TI). Sarnaseid numbreid on \u00fcldiselt palju n\u00e4ha, aga mis pangandussektoris TI-ga tegelikult toimub? Mis takistab TI-d t\u00e4ielikult integreerimast? Kas seda \u00fcldse kunagi tehakse ja kas on oodata autonoomset finantss\u00fcsteemi?<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>Keeletehnoloogiaettev\u00f5tte Tilde tehnoloogiaosakonna juht Giedrius Karauska ja <a href=\"https:\/\/www.gfbankas.lt\" target=\"_blank\" rel=\"noopener\">General Financing Banki<\/a>juht Justinas Muleika arutavad neid k\u00fcsimusi l\u00e4hemalt.<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><\/p>\n<p><\/p>\n<div class=\"wp-block-qi-blocks-spacer qodef-block-container qodef-block-947fad4d\">\n<div class=\"qi-block-spacer qodef-block qodef-m\">\u00a0<\/div>\n<\/div>\n<p><\/p>\n<p><\/p>\n<p><strong>GIEDRIUS KARAUSKAS,\u00a0<\/strong><strong>Tilde:\u00a0<\/strong>\u201eUuringutulemuste ja ekspertide prognooside lugemine selle kohta, kuidas TI finants- ja pangandussektorit muudab, v\u00f5ib p\u00e4ris segadusse ajada: isikup\u00e4rastatud teenused, autonoomne finantsjuhtimine ja personali kaotamine.\u201c (Naeratab). \u201eKuidas on asi p\u00e4riselt? Mis olukord on teil praegu TI rakendamisega seoses?\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS MULEIKA, \u00dcldine Rahastamispank:\u00a0<\/strong>\u201eTI-d kasutatakse praegu n\u00e4iteks sellistes valdkondades nagu klientide tuvastamine ja krediidihinnangud. Meil on TI edukast rakendamisest h\u00e4id n\u00e4iteid, nii et sel aastal teeme algust t\u00f6\u00f6tajatele m\u00f5eldud sissejuhatavate koolitusseanssidega, et end TI kasutusv\u00f5imalustega kurssi viia ning arutada, kus seda kasutada ja kus mitte. Kuna pangandussektorit reguleeritakse v\u00e4ga rangelt ja meil on palju v\u00e4ga delikaatseid andmeid, siis oleme TI kasutamise suhtes veel ettevaatlikud ja asume \u00fcldiselt kokku leppima, kuidas seda kasutada. Aja jooksul p\u00fc\u00fcame sellega edasi liikuda, sest finantsturul TI kasutamisest h\u00e4id n\u00e4iteid.\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>GIEDRIUS<\/strong>: \u201eKaks kuud tagasi tehtud Gartneri uuring n\u00e4itab, et 67% asutustest loovad generatiivse TI arengut arvestades juba uusi ametikohti. Lisaks on uuringu kohaselt neist asutustest 87% juba loonud kindla TI-ga t\u00f6\u00f6tava t\u00f6\u00f6r\u00fchma. K\u00fcsin teie ettev\u00f5tte kohta: kas uutele t\u00f6\u00f6tajatele esitatavad n\u00f5uded on muutumas v\u00f5i on t\u00f6\u00f6tajatele kehtestatud n\u00f5ue osata TI-t\u00f6\u00f6riistu kasutada?\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS<\/strong>: \u201ePraegu mitte, sest ettev\u00f5tte\u00fcleselt me veel TI-d kasutusele pole v\u00f5tnud. Uutele t\u00f6\u00f6tajatele esitatavad n\u00f5uded pole muutunud, aga \u00fcldiselt eeldatakse personalilt \u00fcha rohkem suurt digip\u00e4devust. N\u00e4iteks mina olen matemaatik ja matemaatika oli minu valdkonnas t\u00f6\u00f6tamiseks kunagi vajalik p\u00f5hioskus. T\u00e4na on p\u00f5hioskus koodimine ja masin\u00f5pe.\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<div class=\"wp-block-qi-blocks-spacer qodef-block-container qodef-block-ef50e17d\">\n<div class=\"qi-block-spacer qodef-block qodef-m\">\u00a0<\/div>\n<\/div>\n<p><\/p>\n<p><\/p>\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-3 is-layout-flex wp-block-gallery-is-layout-flex\">\n<p>\u00a0<\/p>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" data-id=\"17105\" class=\"wp-image-17105\" src=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/closeup-computer-screen-displaying-blue-pink-code-lines-dark-environment-min-1024x683.jpg\" alt=\"\" srcset=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/closeup-computer-screen-displaying-blue-pink-code-lines-dark-environment-min-1024x683.jpg 1024w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/closeup-computer-screen-displaying-blue-pink-code-lines-dark-environment-min-300x200.jpg 300w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/closeup-computer-screen-displaying-blue-pink-code-lines-dark-environment-min-768x512.jpg 768w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/closeup-computer-screen-displaying-blue-pink-code-lines-dark-environment-min-1536x1024.jpg 1536w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/closeup-computer-screen-displaying-blue-pink-code-lines-dark-environment-min-2048x1365.jpg 2048w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/closeup-computer-screen-displaying-blue-pink-code-lines-dark-environment-min-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<figure class=\"wp-block-image size-large\"><\/figure>\n<p><\/p>\n<\/figure>\n<p><\/p>\n<p><\/p>\n<div class=\"wp-block-qi-blocks-spacer qodef-block-container qodef-block-40e58d48\">\n<div class=\"qi-block-spacer qodef-block qodef-m\">\u00a0<\/div>\n<\/div>\n<p><\/p>\n<p><\/p>\n<p><strong>GIEDRIUS<\/strong>: \u201eAvalikkuse seas liiguvad m\u00f5tted, et tulevikus on meil TI-p\u00f5hine autonoomne finantsjuhtimiss\u00fcsteem, kus finantsotsuseid (investeeringud, hoiused, maksed) teeb ilma inimese sekkumiseta automaatselt TI. R\u00e4\u00e4kisin hiljuti \u00fche Tildes t\u00f6\u00f6tava teadlasega ja j\u00f5udsime j\u00e4reldusele, et TI t\u00f6\u00f6tab k\u00f5ige paremini ja on k\u00f5ige kasulikum siis, kui tegu pole loomingulise \u00fclesandega, n\u00e4iteks rangetel n\u00f5uetel, reeglitel jne p\u00f5hinevad tegevused. Just selline n\u00e4ib minu meelest olevat pangandussektor: n\u00e4iteks laenuotsuse tegemisel hindate v\u00e4ga selgete n\u00f5uete ja reeglite alusel kliendi maksev\u00f5imet, nii et tundub, et TI v\u00f5iks selle \u00fclesande t\u00e4ielikult \u00fcle v\u00f5tta. Kas on nii? Mis te arvate, kas j\u00f5uame tulevikus tasemeni, kus suur osa finantssektori t\u00f6\u00f6st ja otsustest teeb automaatselt TI?\u201c\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS<\/strong>: Praegu on t\u00e4iesti autonoomset finantss\u00fcsteemi raske ette kujutada just teenuste endi tundlikkuse, rangete regulatsioonide, isikuandmete kaitse jms t\u00f5ttu. Jah, pangandussektoris toimub p\u00f5hjalik \u00fcmberkujundamine, on n\u00e4ha, kuidas nutitelefonid on muutnud kogu meie sektorit ja see ei v\u00f5tnud sada aastat, see on saavutatud vaid viimase k\u00fcmnendi jooksul. Seet\u00f5ttu usun, et AI muudab ka pangandussektorit, kuid minu arvates ei j\u00f5ua me t\u00e4ielikult autonoomse finantss\u00fcsteemini.\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>GIEDRIUS<\/strong>: \u201eSaan aru. Aga mainisite, et juba r\u00e4\u00e4gite sellest, uurite seda ja kavatsete korraldada kolleegidega TI arutamiseks koosoleku. Kus v\u00f5iks teie arvates nendest tehnoloogiatest pangandussektoris teoreetiliselt k\u00f5ige rohkem kasu olla?\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS<\/strong>: Me n\u00e4eme, kus AI saab tarbimislaenude andmise protsessi kiirendada ja parandada, kuid AI ei saa t\u00e4ielikult asendada inimressurssi meie sektoris. Loomulikult on meil sellised \u00fclesanded nagu andmete sisestamine, esitamine, kliendi tuvastamine, kus saame AI-d protsesside kiirendamiseks ulatuslikumalt kasutada. On n\u00e4iteid AI kasutamisest investeeringute haldamisel, kus AI vahendid saavad valida investeerimisetappe. Pankadel on tarbimislaenude protsessis mitmeid automatiseeritud lahendusi, n\u00e4iteks krediidihinnang. Selleks aga, et praegused AI t\u00f6\u00f6riistad toimiksid ja korrektseid arvutusi teeksid, peab mingi info ja parameetrid valima inimene. J\u00e4relevalveta mudelite ja nende kasutatavate andmete omamine suurendab riske. Muude toodete, n\u00e4iteks pensionifondide puhul oleks AI laiem integreerimine, kui seda hetkel kasutatakse, problemaatiline, kuna sellised lahendused on rangelt standarditud.<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>GIEDRIUS<\/strong>: \u201eN\u00e4ib, et hiljuti vastu v\u00f5etud uus Euroopa Liidu (EL) direktiiv on pankadele avanud palju andmeid, et veelgi isikup\u00e4rastatumaid teenuseid pakkuda. Spetsialistid p\u00f6\u00f6ravad pangandussektori TI tulevikust r\u00e4\u00e4kides erilist t\u00e4helepanu finantsteenuste s\u00fcvaisikup\u00e4rastamise v\u00f5imalusele, et pakkuda kliendile isikup\u00e4rastatud protsente, limiite ja \u00fclekandemahtu. Kas teie arvates v\u00f5iks TI tulevikus luua veelgi rohkem v\u00f5imalusi klientide jaoks finantstooteid isikup\u00e4rastada?\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS<\/strong>: \u201eArvan, et t\u00f5de on kuskil vahepeal, sest pangatooted on \u00fcsna standardiseeritud ja seal muutuseks palju ruumi pole. Jah, EL on k\u00fcll andmed k\u00e4ttesaadavaks teinud ja teoorias peaks see koos TI v\u00f5imalustega avama isikup\u00e4rastamise Pandora laeka, aga koguda ei saa just v\u00e4ga palju andmeid, eriti neid, mis on k\u00e4ttesaadavad kolmandatele osapooltele, kellele see m\u00e4\u00e4rus \u00fcldse m\u00f5eldud oli. Seega praegu p\u00f5hinevad sellel ainult m\u00f5ned lahendused.\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>GIEDRIUS<\/strong>: \u201eAga milliste andmekomplektide p\u00f5hjal v\u00f5iks finantspakkumisi teoorias veel rohkem isikup\u00e4rastada? \u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS<\/strong>: Noh, n\u00e4iteks me v\u00f5iksime kergesti luua krediidilahenduse, mis p\u00f5hineb supermarketi kliendikaardil, sest see n\u00e4itab selgelt tarbijate k\u00e4itumist. Keegi pole seda kunagi teinud ja v\u00f5ib-olla tegelikkuses ei oleks v\u00f5imalik selliseid andmeid saada, aga teoreetiliselt v\u00f5iks seda saavutada. T\u00e4na on meil v\u00e4ga v\u00e4ikeses koguses isikuandmeid, mida saame koguda ja kasutada, ilma milleta isikustamine on v\u00f5imatu.<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<div class=\"wp-block-qi-blocks-spacer qodef-block-container qodef-block-c6969537\">\n<div class=\"qi-block-spacer qodef-block qodef-m\">\u00a0<\/div>\n<\/div>\n<p><\/p>\n<p><\/p>\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-4 is-layout-flex wp-block-gallery-is-layout-flex\">\n<p>\u00a0<\/p>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"574\" data-id=\"17106\" class=\"wp-image-17106\" src=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/person-holding-card-that-says-x-it-min-1024x574.jpg\" alt=\"\" srcset=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/person-holding-card-that-says-x-it-min-1024x574.jpg 1024w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/person-holding-card-that-says-x-it-min-300x168.jpg 300w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/person-holding-card-that-says-x-it-min-768x430.jpg 768w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/person-holding-card-that-says-x-it-min-1536x861.jpg 1536w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2024\/10\/person-holding-card-that-says-x-it-min-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<p><\/p>\n<\/figure>\n<p><\/p>\n<p><\/p>\n<div class=\"wp-block-qi-blocks-spacer qodef-block-container qodef-block-db21590b\">\n<div class=\"qi-block-spacer qodef-block qodef-m\">\u00a0<\/div>\n<\/div>\n<p><\/p>\n<p><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>GIEDRIUS<\/strong>: \u201eSaan aru, et ilma andmeteta on TI kasutu, ja lisaks GDPR-ile piiravad ka paljud muud m\u00e4\u00e4rused. Olemasolevate TI-lahenduste jaoks kogutakse andmeid kindlaksm\u00e4\u00e4ramata kohtadest ja me ei saa seda kontrollida ega selle turvalisust tagada. Aga praegu on \u00fcha rohkem uurijaid hakanud r\u00e4\u00e4kima v\u00e4iksemate ni\u0161ikeelemudelite arendamisest, mis oleksid v\u00e4hemn\u00f5udlikumad ja mida saaks majutada ettev\u00f5tte serveritel ehk k\u00f5ik kliendiandmed j\u00e4\u00e4ksid ettev\u00f5ttesse. Mis te arvate \u2013 kui see tehnoloogia oleks k\u00e4ttesaadav, kas siis kasutataks TI-d pangandussektoris rohkem?\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS<\/strong>: \u201eKui meil oleks ettev\u00f5ttesisesed TI-mudelid ja me ei peaks isikuandmeid kolmandatele osapooltele edastama, siis jah, minu arvates oleks TI-d k\u00fcll veidi lihtsam kasutada. Aga see poleks nii lihtne nagu teistes piiranguteta sektorites, sest meil on palju rangem reguleerimine. Meile v\u00f5ib iga viga kulukaks minna, seega pole meil katsetamiseks eriti ruumi.\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>GIEDRIUS<\/strong>: rahapesu t\u00f5kestamine on suur ja oluline tegevus k\u00f5igis finantspangandusfirmades. Ekspertide arvates on see \u00fcks AI edasise kasutamise valdkondi. Milline on teie arvamus? Kui saaksite usaldada selle osa oma ettev\u00f5ttest usaldusv\u00e4\u00e4rsetele ja t\u00f5estatud AI lahendustele, kas see muudaks oluliselt ettev\u00f5tte \u00fcldjuhtimist? Praegu on pankadel tohutud, p\u00fchendunud osakonnad, kes selliste \u00fclesannetega tegelevad, nii et kui AI selle t\u00f6\u00f6 \u00fcle v\u00f5taks, kas see t\u00f5en\u00e4oliselt muudaks oluliselt turgu, mitte ainult \u00fcksikuid ettev\u00f5tteid? Kuidas?<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS<\/strong>: \u201eArvan, et TI abil saab rahapesu palju sujuvamalt t\u00f5kestada, aga igas olukorras pole sellel pikka aega veel l\u00f5plikku otsustus\u00f5igust. Pangad tahaksid selle protsessi t\u00e4ielikult TI-le usaldada, aga siin on vigadega seotud kulud v\u00e4ga suured. TI \u00fclesannete lahendamise t\u00e4psus ei saa olla 99,5%, vaid see peab olema 100%, sest \u00fcksainus viga v\u00f5ib v\u00e4ga kulukas olla. Usun, et selles valdkonnas TI kasutamiseks tuleb ise TI-mudel arendada ja seda l\u00e4binisti teada, mis on TI-mudelite puhul sageli v\u00f5imatu. Keeruline on tugineda sellele, mida t\u00e4ielikult ei m\u00f5isteta.\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>GIEDRIUS<\/strong>: \u201eTI-st saadaval kasul on omad riskid ja pangandussektor peab neid riske juhtima. Kas saan \u00f5igesti aru, et teie arvates j\u00f5uab TI pangandussektorisse k\u00fcll aeglaselt, aga kindlalt?\u201c<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p><strong>JUSTINAS<\/strong>: \u201eJah, TI on juba pangandussektoris ja juba muudab seda. Usun, et sarnaselt teistele finantssektori uuendustele on TI v\u00f5etakse alguse finantstehnoloogiafirmadest See, mida m\u00f5ni v\u00f5i tosin aastat tagasi uuenduseks peeti, muutus finantsturul tavap\u00e4raseks n\u00e4htuseks.<\/p>\n<p>\u00a0<\/p>\n<p><\/p>\n<p><\/p>\n<p>Andmete ja protsesside hulga t\u00f5ttu on finantssektor \u00fcks suurimaid TI kasutamise valdkondi. Nii et s\u00f5ltumata rangetest turben\u00f5uetest ja rangest reguleerimisest, mis k\u00fcll muutumise tempot m\u00f5jutavad, viivad TI-ga kaasnevad muudatused nii toodete parema kohandamise kui ka haldusprotsesside lihtsustamiseni.\u201c<\/p>\n<div class=\"wp-block-qi-blocks-call-to-action qodef-block-container qodef-block-de1aeccd\">\n<div class=\"qi-block-call-to-action qodef-block qodef-m qodef-layout--standard\">\n<div class=\"qodef-m-inner\">\n<div class=\"qodef-m-button\">\n<p><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- \/wp:qi-blocks\/call-to-action --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e92269 e-flex e-con-boxed e-con e-parent\" data-id=\"1e92269\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f445de0 e-con-full e-flex e-con e-child\" data-id=\"f445de0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dd216e elementor-widget elementor-widget-heading\" data-id=\"9dd216e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kas olete huvitatud AI rakendamisest oma organisatsioonis?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5df8d7 elementor-widget elementor-widget-text-editor\" data-id=\"d5df8d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"qodef-m-content\">\n<div class=\"qodef-m-text\">V\u00f5tke meiega \u00fchendust juba t\u00e4na ja vaadake, kuidas meie lahendused saavad teie t\u00f6\u00f6voogu parandada.<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7d60d1 e-con-full e-flex e-con e-child\" data-id=\"c7d60d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-caf31fb elementor-widget elementor-widget-button\" data-id=\"caf31fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/test.tilde.ai\/et\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Broneeri demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a5abbc e-flex e-con-boxed e-con e-parent\" data-id=\"3a5abbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-498066c elementor-widget elementor-widget-shortcode\" data-id=\"498066c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"20957\" class=\"elementor elementor-20957\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-acd72f3 e-flex e-con-boxed e-con e-parent\" data-id=\"acd72f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a7fada elementor-widget elementor-widget-heading\" data-id=\"2a7fada\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Mis on Tildes uut?\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cafb956 e-flex e-con-boxed e-con e-parent\" data-id=\"cafb956\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84bcf49 elementor-grid-4 elementor-posts--align-left e-transform elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"84bcf49\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;4&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;em&quot;,&quot;size&quot;:1.5,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;em&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;em&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-22725 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/test.tilde.ai\/et\/news\/tilde-and-unesco-partner-to-break-language-barriers-in-small-island-developing-states\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/12\/UNESCO_baneris_1024x683_2-1-1.png\" class=\"attachment-full size-full wp-image-22726\" alt=\"\" srcset=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/12\/UNESCO_baneris_1024x683_2-1-1.png 1024w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/12\/UNESCO_baneris_1024x683_2-1-1-300x200.png 300w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/12\/UNESCO_baneris_1024x683_2-1-1-768x512.png 768w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/12\/UNESCO_baneris_1024x683_2-1-1-18x12.png 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/test.tilde.ai\/et\/news\/tilde-and-unesco-partner-to-break-language-barriers-in-small-island-developing-states\/\">\n\t\t\t\tTilde ja UNESCO partner murravad v\u00e4ikesaarte arenguriikides keelebarj\u00e4\u00e4re\u00a0\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-20624 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/test.tilde.ai\/et\/news\/ai-translation-for-ukraine\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1703\" src=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/10\/GG05588-min-scaled.jpg\" class=\"attachment-full size-full wp-image-20625\" alt=\"Art\u016brs Vasi\u013cevskis andis s\u00fcmboolselt Ukraina saatkonnale L\u00e4tis \u00fcle AI-powered t\u00f5lkeplatvormi\" srcset=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/10\/GG05588-min-scaled.jpg 2560w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/10\/GG05588-min-300x200.jpg 300w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/10\/GG05588-min-1024x681.jpg 1024w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/10\/GG05588-min-768x511.jpg 768w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/10\/GG05588-min-1536x1022.jpg 1536w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/10\/GG05588-min-2048x1363.jpg 2048w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/10\/GG05588-min-18x12.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/test.tilde.ai\/et\/news\/ai-translation-for-ukraine\/\">\n\t\t\t\tL\u00e4ti v\u00e4ljat\u00f6\u00f6tatud tehisintellekti t\u00f5lkevahend, et aidata Ukrainal ELiga \u00fchinemise teel\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-20213 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/test.tilde.ai\/et\/news\/tilde-releases-tildeopen-llm\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/09\/Monitor_Hugging_Face_1-scaled.jpg\" class=\"attachment-full size-full wp-image-20214\" alt=\"Tiitlipilt kallistava n\u00e4oplatvormiga ekraanil\" srcset=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/09\/Monitor_Hugging_Face_1-scaled.jpg 2560w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/09\/Monitor_Hugging_Face_1-300x200.jpg 300w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/09\/Monitor_Hugging_Face_1-1024x683.jpg 1024w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/09\/Monitor_Hugging_Face_1-768x512.jpg 768w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/09\/Monitor_Hugging_Face_1-1536x1024.jpg 1536w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/09\/Monitor_Hugging_Face_1-2048x1365.jpg 2048w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/09\/Monitor_Hugging_Face_1-18x12.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/test.tilde.ai\/et\/news\/tilde-releases-tildeopen-llm\/\">\n\t\t\t\tTilde avaldas Euroopa keelte tehisarumudeli TildeOpen LLM\u00a0\u00a0\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-19394 post type-post status-publish format-standard has-post-thumbnail hentry category-blog category-llm\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/test.tilde.ai\/et\/blog\/human-level-ai-scientific-breakthroughs\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"476\" src=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/06\/Jurgita_blogam.jpg\" class=\"attachment-full size-full wp-image-19397\" alt=\"Jurgita Kapo\u010di\u016bte-Dzikiene\" srcset=\"https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/06\/Jurgita_blogam.jpg 800w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/06\/Jurgita_blogam-300x179.jpg 300w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/06\/Jurgita_blogam-768x457.jpg 768w, https:\/\/test.tilde.ai\/wp-content\/uploads\/2025\/06\/Jurgita_blogam-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/test.tilde.ai\/et\/blog\/human-level-ai-scientific-breakthroughs\/\">\n\t\t\t\tInimtasemel tehisaru: millised teaduslikud l\u00e4bimurded toimuvad?\u00a0\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Business Insideri uuringu kohaselt on 2023. aastal 80% panka ja finantsasutust \u00fcle maailma kasutanud m\u00f5nes tehisintellekti (AI)<\/p>","protected":false},"author":2,"featured_media":17104,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[108],"tags":[],"class_list":["post-17103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/posts\/17103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/comments?post=17103"}],"version-history":[{"count":0,"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/posts\/17103\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/media\/17104"}],"wp:attachment":[{"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/media?parent=17103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/categories?post=17103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/test.tilde.ai\/et\/wp-json\/wp\/v2\/tags?post=17103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}