渣打銀行夥螞蟻國際推AI財資及外匯管理解決方案
渣打銀行與螞蟻國際宣佈展開新合作,推出AI驅動的財資和外匯管理解決方案。該方案整合螞蟻國際的外匯鷹序時序預測模型(Falcon)和渣打銀行的聚合流動性引擎(SCALE),預期可降低螞蟻國際及其客戶的外匯成本,並增強風險管理。兩個平臺的整合實現無縫數據交換,爲客戶提供全天候實時AI外匯預測功能。
該方案由雙方共同研發,隸屬渣打銀行外匯自動化計劃的一部分,專爲支援企業實時且全天候的多幣種預訂與國際供應商結算的需求,協助企業有效降低跨境交易的成本與外匯波動風險。通過整合Falcon和SCALE系統,渣打銀行能夠以超過90%的準確率預測螞蟻國際的外匯風險敞口,實現全天候、實時風險管理,並有效降低客戶的外匯對衝成本。
螞蟻國際平臺科技總經理黎粵表示,與渣打銀行的合作拓展,標誌着螞蟻國際在運用AI等技術開發下一代跨境支付解決方案邁出重要一步,預期可改善企業管理全球流動性與外匯策略的模式,提升企業跨境交易效率。
螞蟻國際的Falcon基於Transformer架構,參數數量接近20億,該模型具備前沿時間序列預測算法,能夠自主從海量歷史數據中學習複雜規律,預測未來走勢,並能以每小時、每日和每週的精準度預測企業的現金流和外匯敞口,準確度達90%以上。目前Falcon用於處理螞蟻國際超過60%涉及外匯兌換的交易,有效降低公司及其客戶的外匯成本降低至60%,並將流動性管理成本降低達50%。
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