人工智能掀翻金融科技五大職位震撼轉型

zero comment

五個金融科技職位最先被生成式人工智能取代

自動化一直是金融科技行業的常態，但隨著生成式人工智能（Gen AI）的出現，這股浪潮已經達到新高峰。Gen AI不僅限於過去的機械式流程自動化，它現在能夠像人類一樣推理、創造和分析，這不單是技術升級，而是對整個勞動力市場的根本挑戰。2025年7月，布魯金斯學會（Brookings Institution）報告指出，人工智能正積極「重塑金融行業的工作」，催生出人機合作的新型混合職位。

雖然金融科技行業的每個角落都將受到影響，但某些職位特別容易被這波變革波及。這些職位通常涉及大量重複性數據處理和結構化溝通，將首當其衝地被生成式AI深刻重塑甚至取代。

1. 初級金融分析師

過去數十年，踏入華爾街或金融科技行業的入門關卡往往是分析師崗位，需花大量時間建構模型和撰寫報告。現時，生成式AI已能自動完成這些工作：它可以處理海量數據，建立折現現金流模型（DCF），甚至在分析師登入前草擬初步投資備忘錄。布魯金斯學會稱這是向「混合工作」的轉變，人類專家將不再親自操作，而是指導和驗證AI的分析。未來的分析師角色將從數據收集者轉型為AI「提問者」，負責核實結果和提供策略洞見。

2. 客戶服務代表

呼叫中心長期以來都是自動化的重點目標，但現代AI客服已遠超以往笨拙的聊天機械人。它們能理解對話細節，提供個人化回應，並全天候運作，成本大幅降低。布魯金斯報告提到，瑞典金融科技公司Klarna大部分員工每日都在使用生成式AI，徹底改變了客戶支持的角色。剩下的人類客服將成為升級處理專家，專注處理需要真情實感的複雜案件，這是AI尚未能取代的技能。

3. 合規分析師

金融行業受反洗錢（AML）和了解你的客戶（KYC）等複雜法規約束。生成式AI擅長大規模模式檢測，能實時監控數百萬筆交易，更準確地標記可疑行為。人類的角色將從數據篩選者轉為AI系統的審核者，負責設計、訓練及監察這些AI系統。布魯金斯強調，人類監管在AI輔助的風險管理中將變得越來越重要。

4. 數據輸入員

最容易被取代的職位當屬數據輸入員。金融科技領域的這類工作包括將發票、貸款申請及客戶資料手動錄入系統。配備先進光學字符識別（OCR）的AI現能實時準確地擷取和輸入數據，原本需數小時的任務現可在幾分鐘內完成。這職位幾乎沒有轉型空間，明顯是被技術取代的典型例子，釋放人力資源去處理更需批判性思維的工作。

5. 內容營銷員

金融科技公司依賴持續的內容創作來吸引客戶。生成式AI現可隨需生產高質量、搜索引擎優化（SEO）文章、社交媒體文案和市場更新。雖然AI缺乏獨特的個人風格，但它能完成大部分例行內容創作。這迫使人類營銷人員提升至策略層面，成為管理AI工具的策劃者，專注於創意活動和品牌聲音的打造，讓AI來放大其影響力。這正是布魯金斯所說的勞動力轉型典範。

這對金融科技從業者的訊息非常明確，布魯金斯2025年7月報告同樣指出：「混合工作者的時代已經來臨。」被改造的職位不僅代表工作流失，更標誌著所需技能的巨大變革。未來的生存者和領導者將是那些懂得與AI協作，利用科技放大人類獨有的策略、創意和判斷能力的人。

—

評論與啟示

這篇文章精準指出生成式AI對金融科技業務的顛覆性影響，特別是對重複性、高度結構化工作的衝擊。值得注意的是，AI並非單純取代人力，而是推動工作職能向更高層次的「混合」形態轉型。這對香港金融科技業尤其重要，因為本地市場既有大量依賴數據處理和合規監察的崗位，也正積極推動智能化升級。

然而，我們必須警惕過於樂觀地認為AI能無縫替代所有流程。AI的判斷雖強，但仍受限於訓練數據和算法設計，對於金融業中涉及倫理、法律風險和客戶情感的部分，人類專業仍不可或缺。此外，AI推動的勞動力轉型將帶來技能需求的大幅變化，社會和企業必須投入更多資源於員工再培訓和職業轉型支持，否則可能加劇失業及社會不平等。

從策略層面看，金融科技公司應積極擁抱AI技術，但同時要兼顧人性化服務和風險管理，打造人機協作的最佳平衡。對於員工而言，提升AI理解能力、數據素養與創意思維將是未來職場的核心競爭力。整體而言，這是一場科技與人類智慧的共生革命，香港金融科技界若能把握此機遇，定能在全球競爭中脫穎而出。

以上文章由特價GPT API KEY所翻譯及撰寫。而圖片則由FLUX根據內容自動生成。

Download TXT

🖼️ AI 圖庫｜抄咒語學玩法

想睇吓人哋點玩 AI 畫圖？圖庫集合大量 Flux / Gemini 作品，可以一 click 複製咒語，直入生成器再改做自己版本。

${ "intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.", "subject": { "identity": "A stylish beautiful woman portrayed as Cleopatra, the eternal Queen of Egypt, radiating supreme authority, elegance, and divine power.", "angle": "Full-body editorial portrait captured at a cinematic 3/4 angle, both Cleopatra and the horse positioned diagonally, rendered in ultra-crisp clarity with no blur.", "pose": { "body_position": "She is riding a majestic white horse, seated confidently with impeccable royal posture, her torso slightly turned to a 3/4 angle to emphasize grace and dominance.", "hands": "One hand gently holds the gold-accented reins, while the other rests elegantly near her waist, displaying ornate jewelry.", "expression": "She looks directly at the camera with a calm, commanding, and seductive gaze—the unmistakable presence of a queen born to rule." } }, "appearance": { "outfit": "An opulent, ultra-bongga Cleopatra couture gown in pristine white and radiant gold. The gown features a sculpted corset bodice richly embroidered with gold hieroglyphic motifs, sun-disk patterns, and crystal beadwork. Flowing white silk, chiffon, and sheer organza panels cascade dramatically from the waist and shoulders, creating powerful movement as she rides. A daring thigh-high slit reveals her leg, balancing sensuality with imperial elegance. Every seam is traced with gold-thread embroidery for a luminous, goddess-like silhouette.", "accessories": "She wears the exact Cleopatra headpiece from the attached reference image: a regal black-and-gold striped nemes-style headdress with a polished gold cobra (uraeus) centerpiece at the forehead, structured side panels, and intricate gold detailing. Paired with a wide Egyptian collar necklace with turquoise accents, engraved gold arm cuffs, crystal finger rings, an ornate gold waist belt, delicate anklets, and elegant flat Egyptian sandals.", "hair": "Her hair is fully concealed beneath the nemes headpiece as shown in the reference image, ensuring perfect historical accuracy and symmetry.", "makeup": "Ultra-bold, highly colorful Egyptian eye makeup with ceremonial ink artistry. Her eyes feature sharp elongated black kohl eyeliner extended dramatically past the outer corners, layered with vivid turquoise, teal, emerald green, sapphire blue, violet, and metallic gold pigments blended in high-fashion gradients. Beneath each eye, intricate hand-drawn ink designs inspired by ancient Egyptian symbolism are visible—fine black and gold lines, dots, and sacred motifs echoing hieroglyphs and protective markings, following the natural curve of the lower eye and cheekbone. Her complexion is flawless and softly bronzed with luminous highlights, brows are sculpted and powerful, cheeks carry a subtle coral-rose flush, and lips are finished in a refined nude-rose satin tone to balance the intense, artistic eye look." }, "props": { "animal": "A powerful, majestic white horse with a flowing ivory mane, sculpted muscles, and intelligent dark eyes. The horse wears elegant white-and-gold tack engraved with Egyptian motifs, symbolizing royal conquest, divine favor, and sovereignty." }, "background": { "macro_environment": "A vast open desert landscape near the Egyptian palace and pyramids at golden hour, stretching endlessly beneath a dramatic sky glowing with gold, amber, and soft ivory tones.", "midground_details": "Distant pyramids rising from the sand, monumental stone statues, ceremonial banners moving in the wind, and faint silhouettes of royal guards and attendants placed far behind for scale.", "micro_elements": "Fine desert sand lifted by the horse’s movement, sharply defined gold engravings on the reins, visible embroidery threads on the gown, subtle translucency of sheer fabrics, radiant light reflections on gold surfaces, and crisp, realistic shadows—everything rendered with extreme clarity and zero blur." }, "lighting": { "type": "Cinematic natural golden-hour lighting with soft reflective highlights.", "effect": "Warm sunlight intensifies the white-and-gold palette, ignites the vibrant eye makeup colors and ink details, and illuminates the horse’s coat, creating a radiant, divine, editorial glow." }, "camera": { "camera_type": "DSLR", "resolution": "8K UHD", "lens": "50mm prime lens", "aperture": "f/8 for maximum sharpness across subject and background", "iso": 100, "shutter_speed": "1/250s to freeze motion while maintaining realism", "focus": "Extreme sharp focus from foreground to background, no bokeh, no blur" }, "style": "High-fashion editorial, cinematic realism, divine Egyptian royalty, white-and-gold couture contrasted with vibrant ceremonial eye art, powerful, sensual, ultra-detailed, sharp, majestic" }$ Gallery