{"id":173712,"date":"2026-09-08T09:52:16","date_gmt":"2026-09-08T09:52:16","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/173712\/"},"modified":"2026-09-08T09:52:16","modified_gmt":"2026-09-08T09:52:16","slug":"ai-v-sluzbach-bankovnictva-budeme-jej-moct-niekedy-naplno-zverit-svoje-peniaze","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/173712\/","title":{"rendered":"AI v slu\u017eb\u00e1ch bankovn\u00edctva: Budeme jej m\u00f4c\u0165 niekedy naplno zveri\u0165 svoje peniaze?"},"content":{"rendered":"

\n Svet financi\u00ed za\u017e\u00edva revol\u00faciu. Umel\u00e1 inteligencia v nej zohr\u00e1va z\u00e1sadn\u00fa \u00falohu.\n <\/p>\n

Vstupujeme do \u00e9ry, v ktorej technol\u00f3gie z\u00e1sadne menia n\u00e1\u0161 ka\u017edodenn\u00fd kontakt s peniazmi. Umel\u00e1 inteligencia je u\u017e dnes re\u00e1lnym n\u00e1strojom, ktor\u00fd definuje \u00farove\u0148 bezpe\u010dnosti aj slu\u017eieb. <\/p>\n

R\u00fdchly rozvoj generat\u00edvnej umelej inteligencie prin\u00e1\u0161a ne\u010dakan\u00e9 v\u00fdzvy pre bezpe\u010dnos\u0165, no z\u00e1rove\u0148 otv\u00e1ra dvere k bezprecedentnej personaliz\u00e1cii slu\u017eieb. K\u00fdm podvodn\u00edci vyu\u017e\u00edvaj\u00fa nov\u00e9 technol\u00f3gie na \u010doraz rafinovanej\u0161ie \u00fatoky, banky odpovedaj\u00fa nasaden\u00edm vlastn\u00fdch pokro\u010dil\u00fdch obrann\u00fdch syst\u00e9mov. <\/p>\n

O tom, ako sa bankov\u00fd sektor vyrovn\u00e1va s t\u00fdmito zmenami, sme sa rozpr\u00e1vali s odborn\u00edkmi z V\u00daB banky, expertom na podvody Jurajom Pra\u017eenkom a expertom na umel\u00fa inteligenciu Martinom Podhajsk\u00fdm. <\/p>\n

Cel\u00fd rozhovor o tom, ako umel\u00e1 inteligencia men\u00ed bezpe\u010dnos\u0165 a klientsky servis v bankovn\u00edctve, si m\u00f4\u017eete pozrie\u0165 tu: <\/p>\n

V \u010dl\u00e1nku sa do\u010d\u00edtate: <\/p>\n

Ako podvodn\u00edci zneu\u017e\u00edvaj\u00fa generat\u00edvnu AI pri zakladan\u00ed \u00fa\u010dtov a ako sa banka br\u00e1ni.
\n Pre\u010do eur\u00f3psky AI Act nebrzd\u00ed inov\u00e1cie, ale pom\u00e1ha budova\u0165 d\u00f4veryhodn\u00e9 bankovn\u00edctvo.
\n V \u010dom spo\u010d\u00edva \u00faspech oce\u0148ovan\u00e9ho projektu Sofia a ako pom\u00e1ha osobn\u00fdm bank\u00e1rom.
\n Ak\u00e9 ne\u010dakan\u00e9 bezpe\u010dnostn\u00e9 rizik\u00e1 prin\u00e1\u0161a odovzdanie kontroly auton\u00f3mnym AI agentom.
\n Ako bude vyzera\u0165 personaliz\u00e1cia bankov\u00fdch produktov a slu\u017eieb v najbli\u017e\u0161\u00edch rokoch.<\/p>\n

Nov\u00e9 zbrane digit\u00e1lnych \u00fato\u010dn\u00edkov<\/p>\n

Podvodn\u00edci dnes dok\u00e1\u017eu vyu\u017e\u00edva\u0165 generat\u00edvnu umel\u00fa inteligenciu na masov\u00e9 \u0161\u00edrenie \u00fatokov, ktor\u00e9 s\u00fa pre be\u017en\u00e9ho \u010dloveka takmer na nerozoznanie od reality. Ve\u013ekou hrozbou s\u00fa najm\u00e4 modern\u00e9 technol\u00f3gie ako deepfake, ktor\u00e9 dok\u00e1\u017eu ve\u013emi verne napodobni\u0165 hlasy bl\u00edzkych \u013eud\u00ed alebo vytvori\u0165 podvodn\u00e9 vide\u00e1. <\/p>\n

\u201eJe dnes u\u017e be\u017en\u00e9, \u017ee existuje nejak\u00e9 vierohodn\u00e9 video alebo sa podar\u00ed napodobni\u0165 hlas bl\u00edzkej osoby, rodi\u010da, partnera \u010di kamar\u00e1ta,\u201c vysvetlil expert V\u00daB banky na podvody Juraj Pra\u017eenka. Dodal tie\u017e, \u017ee podvodn\u00e9 phishingov\u00e9 e-maily s\u00fa dnes v\u010faka AI generovan\u00e9 mimoriadne r\u00fdchlo a prakticky bez jazykov\u00fdch \u010di gramatick\u00fdch ch\u00fdb. <\/p>\n

Nebezpe\u010denstvo \u010d\u00edha aj v online priestore, napr\u00edklad pri takzvanom digit\u00e1lnom onboardingu. Ide o legit\u00edmny a u\u017eito\u010dn\u00fd sp\u00f4sob, kedy si klienti otv\u00e1raj\u00fa \u00fa\u010dty na dia\u013eku len nahrat\u00edm ob\u010dianskeho preukazu a vytvoren\u00edm selfie fotografie. \u00dato\u010dn\u00edci v\u0161ak dok\u00e1\u017eu zneu\u017ei\u0165 napr\u00edklad ukradnut\u00e9 skeny dokladov a pomocou umelej inteligencie vygenerova\u0165 syntetick\u00fa fotografiu, ktor\u00e1 pred overovac\u00edm syst\u00e9mom vyzer\u00e1 legit\u00edmne. <\/p>\n


\n \"Umel\u00e1<\/p>\n

fotogal\u00e9ria<\/p>\n

<\/a><\/p>\n

Umel\u00e1 inteligencia dnes pom\u00e1ha robi\u0165 manipulat\u00edvne emaily \u010di vide\u00e1 takmer na nerozoznanie od reality.<\/p>\n

Zdroj: Branislaw W\u00e1clav<\/p>\n

S\u00faboj technol\u00f3gi\u00ed na oboch stran\u00e1ch<\/p>\n

Banky taktie\u017e vyu\u017e\u00edvaj\u00fa AI, aby sa proti t\u00fdmto \u00fato\u010dn\u00edkom mohli efekt\u00edvne br\u00e1ni\u0165. Pokro\u010dil\u00e9 obrann\u00e9 syst\u00e9my analyzuj\u00fa obrovsk\u00e9 mno\u017estv\u00e1 transakci\u00ed v re\u00e1lnom \u010dase a h\u013eadaj\u00fa ne\u0161tandardn\u00e9 spr\u00e1vanie pou\u017e\u00edvate\u013eov. <\/p>\n

\u201ePri digit\u00e1lnom onboardingu na\u0161a umel\u00e1 inteligencia porovn\u00e1va r\u00f4zne parametre, ako je text\u00fara pleti, tiene, nedokonalosti tv\u00e1re \u010di plynulos\u0165 a mimika pri overovacom videu,\u201c povedal Pra\u017eenka. Tieto kontroln\u00e9 mechanizmy dok\u00e1\u017eu s vysokou \u00faspe\u0161nos\u0165ou odhali\u0165, \u010di ide o skuto\u010dn\u00e9ho \u010dloveka alebo o podvrh vygenerovan\u00fd po\u010d\u00edta\u010dom. <\/p>\n

Najv\u00e4\u010d\u0161ou v\u00fdzvou pre bezpe\u010dnos\u0165<\/a> v\u0161ak dnes nie je priame technologick\u00e9 prekonanie ochrany banky, ale psychologick\u00e1 manipul\u00e1cia samotn\u00e9ho klienta. Ak podvodn\u00edk presved\u010d\u00ed klienta k prevodu prostriedkov, pre syst\u00e9my banky sa cel\u00e1 transakcia tv\u00e1ri ako legit\u00edmna. <\/p>\n

Regul\u00e1cia ako z\u00e1klad pre inov\u00e1cie<\/p>\n

V s\u00favislosti s rozvojom umelej inteligencie sa v Eur\u00f3pskej \u00fanii \u010dasto sklo\u0148uje osobitn\u00e1 legislat\u00edva zameran\u00e1 na AI, takzvan\u00fd Akt o AI a jeho mo\u017en\u00fd negat\u00edvny vplyv na technologick\u00fd pokrok. Pod\u013ea odborn\u00edkov z bankov\u00e9ho prostredia v\u0161ak jasn\u00e9 pravidl\u00e1 pokrok nebrzdia, ale naopak mu d\u00e1vaj\u00fa potrebn\u00fa stabilitu a transparentnos\u0165. <\/p>\n

\u201eJe d\u00f4le\u017eit\u00e9 ma\u0165 ma\u0165 r\u00e1mce, ktor\u00e9 ur\u010duj\u00fa bezpe\u010dn\u00e9 sp\u00f4soby pou\u017eitia, transparentnos\u0165 a riadenie riz\u00edk, preto\u017ee s ka\u017edou novou technol\u00f3giou s\u00fa spojen\u00e9 aj hrozby,\u201c vysvetlil expert V\u00daB banky na umel\u00fa inteligenciu Martin Podhajsk\u00fd. Akt o AI presne definuje zak\u00e1zan\u00e9 pou\u017eitia AI, medzi ktor\u00e9 patr\u00ed pr\u00e1ve manipulat\u00edvne spr\u00e1vanie \u010di cielenie na zranite\u013en\u00e9 skupiny. <\/p>\n

Legislat\u00edva taktie\u017e zav\u00e1dza kateg\u00f3riu vysokorizikov\u00fdch syst\u00e9mov, ktor\u00e9 si vy\u017eaduj\u00fa pr\u00edsne obrann\u00e9 mechanizmy a kontrolu. Tieto pravidl\u00e1 zabezpe\u010duj\u00fa, aby rozhodovanie syst\u00e9mov nebolo diskrimina\u010dn\u00e9 a aby bolo v\u017edy mo\u017en\u00e9 sp\u00e4tne doh\u013eada\u0165, ako syst\u00e9m k v\u00fdsledku dospel. <\/p>\n


\n \"Sk\u00f4r<\/p>\n

fotogal\u00e9ria<\/p>\n

<\/a><\/p>\n

Sk\u00f4r \u010di nesk\u00f4r za\u010dn\u00fa \u013eudia prech\u00e1dza\u0165 od AI chatbotov k plnohodnotn\u00fdm digit\u00e1lnym asistentom. \u010co sa v\u0161ak stane, ak im povolia pr\u00edstup aj ku svojim vlastn\u00fdm financi\u00e1m?<\/p>\n

Zdroj: Branislaw W\u00e1clav<\/p>\n

AI agent v pobo\u010dk\u00e1ch<\/p>\n

Pr\u00edkladom \u00faspe\u0161n\u00e9ho zavedenia modern\u00fdch technol\u00f3gi\u00ed v praxi je syst\u00e9m Sofia od V\u00daB banky. Tento projekt si ned\u00e1vno vysl\u00fa\u017eil medzin\u00e1rodn\u00e9 ocenenie Top finan\u010dn\u00ed inov\u00e1tori magaz\u00ednu Global Finance. <\/p>\n

\u201eSofiu chceme prim\u00e1rne pou\u017e\u00edva\u0165 na to, aby sme zlep\u0161ovali na\u0161u produktivitu a poskytovali lep\u0161ie slu\u017eby a poradenstvo na\u0161im klientom na pobo\u010dk\u00e1ch,\u201c uviedol Podhajsk\u00fd. Doplnil, \u017ee syst\u00e9m funguje v\u00fdhradne na vlastnej internej infra\u0161trukt\u00fare banky, aby bola zaru\u010den\u00e1 bezpe\u010dnos\u0165 v\u0161etk\u00fdch klientskych d\u00e1t. <\/p>\n

Sofia pom\u00e1ha osobn\u00fdm bank\u00e1rom predv\u00edda\u0165 potreby klientov anal\u00fdzou ich finan\u010dn\u00e9ho spr\u00e1vania a produktov\u00e9ho portf\u00f3lia. Ak napr\u00edklad klient \u010dasto lieta, syst\u00e9m to zachyt\u00ed a porad\u00ed bank\u00e1rovi odporu\u010di\u0165 mu kreditn\u00fa kartu, ktor\u00e1 poskytuje bezplatn\u00fd vstup do letiskov\u00e9ho sal\u00f3nika. <\/p>\n

Odv\u00e1\u017ena v\u00edzia bud\u00facnosti<\/p>\n

Umel\u00e1 inteligencia sa bude \u010falej rozv\u00edja\u0165 a je re\u00e1lne o\u010dak\u00e1va\u0165, \u017ee sk\u00f4r \u010di nesk\u00f4r d\u00f4jde aj u verejnosti k prechodu od chatbotov k plnohodnotn\u00fdm digit\u00e1lnym asistentom s najr\u00f4znej\u0161\u00edmi pr\u00e1vomocami. Jednou z oblast\u00ed, ktor\u00e9 by mali tak\u00e9to digi\u00e1lne entity na starosti, by mohli by\u0165 aj na\u0161e financie. <\/p>\n

Tak\u00e1to predstava v\u0161ak u expertov vzbudzuje opr\u00e1vnen\u00e9 obavy. \u201eOb\u00e1vam sa, ako sa kybernetick\u00e1 kriminalita vyvinie, ke\u010f \u00fato\u010dn\u00edci za\u010dn\u00fa namiesto na \u010dloveka cieli\u0165 na samotn\u00e9ho AI asistenta,\u201c upozornil Pra\u017eenka. <\/p>\n

\u201eAI n\u00e1m vie ve\u013emi dobre pom\u00f4c\u0165, ale st\u00e1le je d\u00f4le\u017eit\u00e9 h\u013eadie\u0165 na to, aby sme robili veci zodpovedne a d\u00f4le\u017eit\u00e9 rozhodnutia mali v\u017edy plne pod kontrolou,\u201c zd\u00f4raznil Podhajsk\u00fd. Bud\u00facnos\u0165 bankovn\u00edctva pod\u013ea neho prinesie ove\u013ea hlb\u0161iu a bezpe\u010dnej\u0161iu personaliz\u00e1ciu slu\u017eieb, no \u013eudsk\u00e1 kontrola a zodpovednos\u0165 zostan\u00fa nenahradite\u013en\u00e9. <\/p>\n

Rozhovor vznikol v spolupr\u00e1ci s V\u00daB bankou. <\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"Svet financi\u00ed za\u017e\u00edva revol\u00faciu. Umel\u00e1 inteligencia v nej zohr\u00e1va z\u00e1sadn\u00fa \u00falohu. Vstupujeme do \u00e9ry, v ktorej technol\u00f3gie z\u00e1sadne…\n","protected":false},"author":2,"featured_media":173713,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[11],"tags":[64,65,66,43,40,39,42,41],"class_list":["post-173712","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomika","tag-business","tag-economic","tag-ekonomika","tag-sk","tag-slovak","tag-slovakia","tag-slovencina","tag-slovensko"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117234811011839494","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/173712","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=173712"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/173712\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/173713"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=173712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=173712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=173712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}