銀行AI策略的思考與選擇
The May-June 2024 issue of Harvard Business Review offers a case study about a made-up Malaysia-based bank called NVF Bank.
《哈佛商業評論》2024年5-6月號中提供了一個案例研究，關於一家馬來西亞的虛構銀行，名為NVF銀行。
issue(v.)發行、發佈issue(n.)問題、爭論=topic, subjectissue(n.)期刊made-up(adj.)杜撰的、編造的make up組成、補足、和好
The presented situation centers on how aggressively the CEO should adopt artificial intelligence.
該案例聚焦在這家銀行的執行長應多大力引進人工智慧。
present(v.)頒發present sth. to sb.把某物頒發給某人present itself產生center on~以～為中心aggressively(adv.)積極地=eagerlyaggressive(adj.)侵略的、好鬥的CEO(chief executive officer)執行長adopt(v.)採用
In the case, NVF Bank’s head of AI innovation and its chief technology officer recommend a very bold AI plan to the CEO.
在這個案例中，NVF銀行的人工智慧創新主管和技術長建議執行長採取非常大膽的人工智慧計劃。
a head of…一顆～innovation(n.)革新、創新、新制度renovation(n.)恢復、更新renovation grant房屋修繕補助金under renovation翻修中bold(adj.)大膽的bald(adj.)禿頭的
They want the bank to hire more skilled tech talent, improve data-related technologies and buy AI start-ups and tech firms to help the bank develop its own AI systems.
他們希望銀行聘請更多技術人才，改進數據相關技術，並收購人工智慧新創公司和科技公司，以幫助銀行發展自己的人工智慧系統。
skilled(adj.)有技能的、需要技能的skilled in(at)…在～熟練skillful(adj.)製作精巧的talent(n.)天資、有才能的人start-up新創公司
While this would require a huge investment over 5 years, it would also allow the bank to reach the goals of helping 95% of customers digitally within four years and cutting operational costs by 40%.
雖然這將需要在5年內進行鉅額投資，但也能讓銀行能夠在4年內實現為95%客戶提供數位服務，並削減營運成本40%的目標。
significant(adj.)數量可觀的within(prep.)在～之內operational(adj.)營運的
Although this would give NVF Bank an advantage in the market, both the CEO and CFO are not sure about what to do.
雖然這將為NVF銀行帶來市場優勢，但執行長和財務長都不知道該怎麼做。
advantage(n.)優勢、有利條件、利益disadvantage(n.)缺點、劣勢=handicapCFO(chief financial officer)財務長uncertain(adj.)不確定的
Responding to this case, two experts — Noemie Ellezam-Danielo and Sastry Durvasula — agree that the CEO should approach these ideas with caution.
針對這個案例，兩位專家—艾勒贊－丹尼洛和德瓦蘇拉—都認為執行長應該謹慎對待這些想法。
in response to…針對～做回應approach(v.)著手處理、應對、靠近approach(n.)通道、方法with the approach of sth.隨著～的到來cautious(adj.)小心的
Ellezam-Danielo says that the CEO should put together a team of senior executives to first develop an AI policy for the bank before making big changes.
艾勒贊－丹尼洛認為，執行長應該組建一支由高階主管組成的團隊，先為銀行制定人工智慧政策，然後再進行大刀闊斧的改革。
put together集合、組織assemble(v.)集合、召集、配裝
Durvasula, on the other hand, believes that the CEO should approve some parts of the plan, but focus only on those that help meet the bank’s business and operational goals.
另一方面，德瓦蘇拉則認為，執行長應該批准計劃的某些部分，但僅關注那些有助於實現銀行業務和營運目標的部分。
on the other hand另一方面meet the goal達到目標meet sb. halfway對～妥協
This case raises questions about how banks should proceed in adopting artificial intelligence.
這個案例提出了銀行應如何著手採用人工智慧的問題。
raise(v.)撫養、募款、提出
What strategy do you think banks should adopt in this regard?
你認為銀行在這方面應該採取何種策略？
strategy(n.)策略、計謀measure(n.)方法