M\u0101ksl\u012bgais intelekts un j\u016bsu maci\u0146\u0161: Vai ChatGPT var uztic\u0113ties ieguld\u012bjumu padomos?<\/p>\n
M\u016bsdien\u0101s arvien vair\u0101k mazumtirdzniec\u012bbas investoru piev\u0113r\u0161as publiski pieejamiem tie\u0161saistes m\u0101ksl\u012bg\u0101 intelekta (MI) r\u012bkiem, piem\u0113ram, ChatGPT, lai pal\u012bdz\u0113tu savos finan\u0161u l\u0113mumos. Tas notiek, neraugoties uz skaidriem br\u012bdin\u0101jumiem par iesp\u0113jamajiem riskiem. Bet cik sp\u0113j\u012bgi ir vienk\u0101r\u0161i MI mode\u013ci sniegt uzticamus un dro\u0161us ieguld\u012bjumu padomus? \u0160is jaut\u0101jums k\u013c\u016bst arvien aktu\u0101l\u0101ks, jo arvien vair\u0101k cilv\u0113ku s\u0101k mekl\u0113t atbildes uz jaut\u0101jumu \u201cVai man pirkt?\u201d tie\u0161i no algoritmiem.<\/p>\n
Popul\u0101ri MI r\u012bki un to pievilc\u012bba<\/p>\n
Vis\u0101 pasaul\u0113 mazumtirdzniec\u012bbas investori at\u013cauj MI t\u0113rz\u0113tav\u0101m ien\u0101kt savos portfe\u013cos, pat ja regulatoru organiz\u0101cijas uzst\u0101j, ka \u0161ie r\u012bki v\u0113l nav gatavi aizst\u0101t profesion\u0101lu padomu. Regul\u0113jums attiec\u012bb\u0101 uz MI pal\u012bdz\u012bbu ieguld\u012bjumu jom\u0101 joproj\u0101m att\u012bst\u0101s. Tom\u0113r nesenais tirdzniec\u012bbas platformas eToro zi\u0146ojums liecina, ka gandr\u012bz katrs piektais mazumtirdzniec\u012bbas investors jau izmanto \u0161\u0101dus r\u012bkus savu portfe\u013ca l\u0113mumu pie\u0146em\u0161anai vai piel\u0101go\u0161anai. \u0160is zi\u0146ojums, kas balst\u012bts uz 11 000 mazumtirdzniec\u012bbas investoru aptauju 13 valst\u012bs, gan nenor\u0101d\u012bja, kuri konkr\u0113ti MI r\u012bki tika izmantoti.<\/p>\n
Svar\u012bg\u0101 at\u0161\u0137ir\u012bba: P\u0113t\u012bjumu pal\u012bgs vai tie\u0161s padoms?<\/p>\n
Eksperti nor\u0101da, ka galvenais jaut\u0101jums ir, vai MI saskarnes tiek izmantotas k\u0101 p\u0113t\u012bjumu pal\u012bgl\u012bdzek\u013ci, lai atbalst\u012btu l\u0113mumu pie\u0146em\u0161anu, vai ar\u012b t\u0101s sniedz tie\u0161us ieguld\u012bjumu padomus. P\u0113d\u0113j\u0101 min\u0113t\u0101 darb\u012bba Eiropas Savien\u012bb\u0101 ir regul\u0113ta atbilsto\u0161i Finan\u0161u instrumentu tirgus direkt\u012bvai (MiFID), un, p\u0113c Eiropas V\u0113rtspap\u012bru un tirgu iest\u0101des (ESMA) datiem, pa\u0161laik neviena publiski pieejama MI programma nav pilnvarota to dar\u012bt. Neskatoties uz to, daudzi mazumtirdzniec\u012bbas investori uzskata ChatGPT l\u012bdz\u012bgus r\u012bkus par veidu, k\u0101 ietaup\u012bt laiku p\u0113t\u012bjumos un samazin\u0101t profesion\u0101lu fondu p\u0101rvald\u012bbas izmaksas.<\/p>\n
Iesp\u0113jamie pan\u0101kumi un sl\u0113ptie draudi<\/p>\n
Da\u017eos gad\u012bjumos rezult\u0101ti var b\u016bt iespaid\u012bgi. 2023. gad\u0101 sal\u012bdzino\u0161\u0101 vietne Finder izveidoja ieguld\u012bjumu fondu, ko gandr\u012bz piln\u012bb\u0101 (99%) izstr\u0101d\u0101ja un p\u0101rvald\u012bja ChatGPT. Divarpus gadus v\u0113l\u0101k 38 akciju portfelis ir audzis par gandr\u012bz 55%, p\u0101rsniedzot vid\u0113jo rezult\u0101tu desmit popul\u0101r\u0101kajiem Lielbrit\u0101nijas fondiem par vair\u0101k nek\u0101 18 procentpunktiem. Tom\u0113r, neskatoties uz \u0161o pan\u0101kumu, daudzi sign\u0101li liecina, ka sare\u017e\u0123\u012bti un neparedzami finan\u0161u tirgus notikumi var\u0113tu sagraut cit\u0101di labos rezult\u0101tus t\u0101diem r\u012bkiem k\u0101 ChatGPT un Gemini. Tie var nesp\u0113t prec\u012bzi prognoz\u0113t izn\u0101kumus, radot finansi\u0101lus zaud\u0113jumus.<\/p>\n
\nLai gan OpenAI nav tie\u0161i nor\u0101d\u012bjis \u201cNeizmantojiet ChatGPT ieguld\u012bjumiem\u201d, sign\u0101li nor\u0101da, ka \u0161is MI r\u012bks j\u0101lieto k\u0101 atbalsts, nevis profesion\u0101lu finan\u0161u padomu aizst\u0101\u0161ana, jo tas var rad\u012bt p\u0101rliecino\u0161i skano\u0161as, bet nepareizas atbildes (t\u0101 d\u0113v\u0113t\u0101s \u2018halucin\u0101cijas\u2019).<\/p>\n<\/blockquote>\n
Regulatoru un ekspertu nost\u0101ja<\/p>\n
Saska\u0146\u0101 ar pa\u0161reiz\u0113jiem Eiropas regul\u0113jumiem, uz\u0146\u0113mumi var izmantot MI r\u012bkus, lai analiz\u0113tu klienta zin\u0101\u0161anas un pieredzi, finansi\u0101lo situ\u0101ciju (ieskaitot riska toleranci) un ieguld\u012bjumu m\u0113r\u0137us (ieskaitot ilgtsp\u0113j\u012bbas preferences). Tas ir gad\u012bjumos, kad uz\u0146\u0113mumi sniedz personaliz\u0113tus ieguld\u012bjumu ieteikumus vai p\u0101rvalda un p\u0101rbalans\u0113 klientu portfe\u013cus, cita starp\u0101. Izmantojot MI r\u012bkus finan\u0161u konsult\u0101ciju kontekst\u0101, ESMA ar\u012b uzsver, ka j\u0101prioriz\u0113 p\u0101rredzam\u012bba, vad\u012bba, audit\u0113jam\u012bba un cilv\u0113ka uzraudz\u012bba.<\/p>\n
MI loma finan\u0161u sektor\u0101 un potenci\u0101l\u0101s briesmas<\/p>\n
M\u0101ksl\u012bgais intelekts arvien vair\u0101k p\u0101rveido finan\u0161u nozari, nodro\u0161inot visu, s\u0101kot no klientu apkalpo\u0161anas un kr\u0101p\u0161anas atkl\u0101\u0161anas l\u012bdz portfe\u013ca p\u0101rvald\u012bbai un personaliz\u0113tiem padomiem. Aiz ainas t\u016bksto\u0161iem sare\u017e\u0123\u012btu MI mode\u013cu apstr\u0101d\u0101 milz\u012bgus datu apjomus \u2013 tirgus tendences, v\u0113sturisk\u0101s cenas un pat zi\u0146u virsrakstus \u2013, lai prognoz\u0113tu kust\u012bbas un atkl\u0101tu ieguld\u012bjumu iesp\u0113jas. 2025. gada p\u0113t\u012bjums \u017eurn\u0101l\u0101 Nature sal\u012bdzin\u0101ja ChatGPT ar citiem finan\u0161u nozar\u0113 izmantotajiem MI r\u012bkiem. Tas atkl\u0101ja, ka t\u0113rz\u0113tavas sp\u0113ja apstr\u0101d\u0101t nestruktur\u0113tus datus, piem\u0113ram, finan\u0161u p\u0101rskatus un lietot\u0101ju piepras\u012bjumus, padara to \u012bpa\u0161i efekt\u012bvu t\u0101d\u0101s jom\u0101s k\u0101 finan\u0161u pl\u0101no\u0161ana un riska anal\u012bze. Ta\u010du p\u0113t\u012bjums izc\u0113la ar\u012b galven\u0101s ba\u017eas: ja sist\u0113m\u0101s ievad\u012btie dati ir neobjekt\u012bvi vai neprec\u012bzi, MI var rad\u012bt maldino\u0161us rezult\u0101tus \u2013 par\u0101d\u012bba, kas paz\u012bstama k\u0101 \u201chalucin\u0101cija\u201d.<\/p>\n
Invest\u012bciju platforma BridgeWise, kas sniedz MI balst\u012btus p\u0113t\u012bjumus un anal\u012bzi, k\u0101 ar\u012b ieguld\u012bjumu ieteikumus vair\u0101k nek\u0101 50 000 akt\u012bvu, sniedza skaidru piem\u0113ru tam, k\u0101p\u0113c t\u0101di r\u012bki k\u0101 ChatGPT var b\u016bt riskanti, ja tos nelieto pareizi. \u201cJa j\u016bs jaut\u0101jat par k\u0101du mazpaz\u012bstamu uz\u0146\u0113mumu, \u0161eit rodas halucin\u0101cija, jo t\u0113rz\u0113tava m\u0113\u0123in\u0101s j\u016bs iepriecin\u0101t ,\u201d br\u012bdin\u0101ja Gaby Diamant, BridgeWise l\u012bdzdibin\u0101t\u0101js un izpilddirektors. Vi\u0146\u0161 neiesaka izmantot visp\u0101r\u012bgus uzvedin\u0101jumus, piem\u0113ram, \u201cVai man invest\u0113t X?\u201d, atz\u012bm\u0113jot, ka tie var rad\u012bt \u013coti maldino\u0161us rezult\u0101tus. BridgeWise uzsver, ka kvalifik\u0101cija un atbilst\u012bba regul\u0113jumam ir b\u016btiska. Uz\u0146\u0113mums sniedz MI vad\u012btus p\u0113t\u012bjumus un anal\u012bzi par konkr\u0113tiem akt\u012bviem \u2013 tostarp akcij\u0101m, ETF un fondiem \u2013 un sadarbojas ar bir\u017e\u0101m \u0160veic\u0113, Izra\u0113l\u0101, Jap\u0101n\u0101 un Braz\u012blij\u0101. Uz\u0146\u0113mums izmanto uzlabotu algoritmu, kas paredz\u0113ts tirgus kust\u012bbu interpret\u0113\u0161anai.<\/p>\n
\u201cM\u0113s pied\u0101v\u0101jam l\u0113mumu atbalsta r\u012bku \u2013 m\u0113s nepie\u0146emam l\u0113mumus par saviem klientiem,\u201d sac\u012bja Diamant. Jaut\u0101ts, vai MI var piln\u012bb\u0101 aizst\u0101t finan\u0161u padomniekus, Diamant bija skaidrs: \u201cNekad.\u201d Vi\u0146\u0161 uzskata, ka cilv\u0113ka spriestsp\u0113ja joproj\u0101m ir b\u016btiska, lai izprastu klientu vajadz\u012bbas un orient\u0113tos finan\u0161u konsult\u0101ciju sare\u017e\u0123\u012bt\u012bb\u0101 \u2013 kaut ko, ko MI v\u0113l nevar atdarin\u0101t. Tom\u0113r vi\u0146\u0161 saskata MI k\u0101 sp\u0113c\u012bgu pal\u012bgu: \u201cM\u016bsu misija kop\u0161 BridgeWise dibin\u0101\u0161anas 2019. gad\u0101 ir padar\u012bt kapit\u0101la tirgus pieejamus visiem.\u201d<\/p>\n
MI n\u0101kotne finan\u0161u pasaul\u0113<\/p>\n
\u0160\u0137iet skaidrs, ka tehnolo\u0123ijai ir j\u0101att\u012bst\u0101s t\u0101l\u0101k, pirms ChatGPT var\u0113tu ie\u0146emt mazumtirdzniec\u012bbas investoru ce\u013cve\u017ea lomu bie\u017ei vien nemier\u012bgaj\u0101 finan\u0161u tirgu vid\u0113. P\u0113c Kieran Garvey, Cambridge Centre for Alternative Finance politikas programmas vad\u012bt\u0101ja teikt\u0101, lai gan MI ma\u0161\u012bnm\u0101c\u012b\u0161an\u0101s ir \u013coti att\u012bst\u012bta daudz\u0101s da\u017e\u0101d\u0101s finan\u0161u pakalpojumu jom\u0101s, tehnolo\u0123ija, kas sp\u0113j sniegt finan\u0161u padomus, pa\u0161laik ir \u201cnekur tuvum\u0101 uzticamai\u201d. Lai nov\u0113rstu \u0161os tr\u016bkumus, Garvey nor\u0101d\u012bja uz galveno jauno tendenci: \u201cLiel\u0101 tendence, kas notiek MI, gan visp\u0101r\u012bgi, gan finan\u0161u pakalpojumu jom\u0101, ir a\u0123entisks MI.\u201d Tas attiecas uz tehnolo\u0123iju, kas \u013cauj MI sist\u0113m\u0101m darboties ar arvien liel\u0101ku automatiz\u0101cijas l\u012bmeni \u2013 \u013caujot t\u0101m pl\u0101not un veikt sare\u017e\u0123\u012btus procesus, izmantojot da\u017e\u0101dus r\u012bkus, k\u013c\u016bstot pa\u0161vad\u012bt\u0101k\u0101m. \u201cT\u0101tad m\u0113s, k\u0101 cilv\u0113ki, varam instru\u0113t tos veikt konkr\u0113tu uzdevumu,\u201d vi\u0146\u0161 turpin\u0101ja, \u201cun vi\u0146i tad sp\u0113j noteikt, kas j\u0101dara, pl\u0101not procesu un mijiedarboties ar da\u017e\u0101diem r\u012bkiem, lai to \u012bstenotu.\u201d Klienti var\u0113tu \u013caut MI a\u0123entiem veikt maks\u0101jumus vi\u0146u v\u0101rd\u0101, noz\u012bm\u0113jot, ka vi\u0146i var\u0113tu rezerv\u0113t br\u012bvdienas vai iepirkties.<\/p>\n
Neskatoties uz ierobe\u017eojumiem, automatiz\u0113ti finan\u0161u konsultanti ar minim\u0101lu vai bez cilv\u0113ka iejauk\u0161an\u0101s k\u013c\u016bst arvien popul\u0101r\u0101ki, un eksperti prognoz\u0113, ka \u0161is t\u0101 d\u0113v\u0113tais robo-konsult\u0101ciju tirgus uzplauks n\u0101kamo piecu gadu laik\u0101. Saska\u0146\u0101 ar glob\u0101lo tirgus izp\u0113tes un konsult\u0101ciju firmu The Business Research Company, \u0161is tirgus tiek prognoz\u0113ts, ka l\u012bdz 2029. gadam pieaugs l\u012bdz vair\u0101k nek\u0101 471 miljardam dol\u0101ru (405 miljardi eiro), kas ir iev\u0113rojams l\u0113ciens no gandr\u012bz 62 miljardiem dol\u0101ru (53 miljardiem eiro) 2024. gad\u0101. Tirgus v\u0113rt\u012bba ir uz\u0146\u0113mumu kop\u0113jo ie\u0146\u0113mumu summa no pre\u010du un pakalpojumu p\u0101rdo\u0161anas \u0161aj\u0101 jom\u0101.<\/p>\n
Atruna: \u0160\u012b inform\u0101cija nav uzskat\u0101ma par finan\u0161u konsult\u0101ciju. Vienm\u0113r veiciet savu izp\u0113ti, lai p\u0101rliecin\u0101tos, ka ieguld\u012bjumi atbilst j\u016bsu konkr\u0113taj\u0101m vajadz\u012bb\u0101m. M\u0113s esam \u017eurn\u0101listikas vietne un cen\u0161amies sniegt lab\u0101kos ekspertu ieteikumus. Ja j\u016bs pa\u013caujaties uz \u0161aj\u0101 lap\u0101 eso\u0161o inform\u0101ciju, j\u016bs to dar\u0101t piln\u012bb\u0101 uz savu risku.<\/p>\n","protected":false},"excerpt":{"rendered":"M\u0101ksl\u012bgais intelekts un j\u016bsu maci\u0146\u0161: Vai ChatGPT var uztic\u0113ties ieguld\u012bjumu padomos? M\u016bsdien\u0101s arvien vair\u0101k mazumtirdzniec\u012bbas investoru piev\u0113r\u0161as publiski…\n","protected":false},"author":2,"featured_media":35524,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,4729,9695,3226,35,39,38,36,37,34,40,87,10352],"class_list":{"0":"post-35523","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-bizness","9":"tag-business","10":"tag-chatgpt","11":"tag-finansu-padomi","12":"tag-ieguldijumi","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-lv","20":"tag-maksligais-intelekts","21":"tag-mazumtirdzniecibas-investori"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115464508775344580","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/35523","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=35523"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/35523\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/35524"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=35523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=35523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=35523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}