Fineco（FBK.MI）的首席执行官表示，该意大利数字银行外部云服务与内部能力相结合的模式，将有助于其在人工智能应用不断增长的情况下，控制IT成本并更好地管理技术风险。
Fineco's (FBK.MI) mix of external cloud services and in-house capabilities will help the Italian digital bank to keep IT costs in check and better manage technology risks as its use of AI grows, its chief executive said.
Fineco是意大利数字银行的先驱，围绕其专有技术和精简运营模式，构建了涵盖在线经纪到资产管理的业务。
Fineco, a pioneer in Italian digital banking, has built a business that spans online brokerage to asset management around its proprietary technology and a lean operating model.
“我们采用混合基础设施。部分元素在云端，但只要可能，我们就将关键组件留在内部并直接管理，”首席执行官亚历山德罗·福蒂在接受路透社采访时表示。
"We run a hybrid infrastructure. Some elements are in the cloud, but wherever possible we keep critical components in-house and manage them directly," CEO Alessandro Foti told Reuters in an interview.
“我们开发并训练AI代理，构建知识库，然后用部署在本地的开源替代方案取代第三方专有模型，”他说。
"We develop and train AI agents, build up the knowledge base, and then replace third-party proprietary models with open-source alternatives hosted on-premise," he said.
监管机构认为，对外部提供商的依赖是金融机构面临的主要脆弱性来源之一。
Regulators regard reliance on external providers as a major source of vulnerability for financial institutions.
周二，影响Alphabet旗下Google在英国提供的云服务的数小时中断，干扰了英国数字银行Revolut的卡支付等服务。
On Tuesday an hours-long outage affecting cloud services provided by Alphabet's Google in the UK disrupted services such as card payments at British digital bank Revolut.
福蒂表示，基于云的系统在成本方面也存在风险：一种“我增长得越多，消耗就越多，支付就越多”的模式，这显然是一种风险。混合模式“让我们对所做的一切拥有更大控制力，并减少对供应商定价权的暴露”。被问及来自Revolut的竞争时，Revolut本月表示已成为按客户数量计算的意大利第五大银行，福蒂表示，赢得储蓄者的信任需要时间。
Foti said a cloud-based system carried risks also on the cost front: a model where "the more I grow, the more I consume and the more I pay: that is clearly a risk." A hybrid model "gives us greater control over everything we do and leaves us less exposed to the pricing power of suppliers." Asked about competition from Revolut, which this month said it had become Italy's fifth largest bank by number of clients, Foti said it takes time to gain the trust of savers.
“成为支付网关一回事，管理人们的钱又是另一回事。他们可以做到，但这是一个漫长的过程，”他说。
"It's one thing to be a payments gateway, and another to manage people's money. They can get there, but it's a long process," he said.
“这是我们非常了解的过程：当我们刚开始时，人们喜欢我们的服务，但不愿将储蓄交给我们。二十多年后，我们在私人银行业务领域的增长速度是行业的三倍。”Fineco的新客户在上半年增长了26%，客户获取速度提升了51%。
"It's a process we know very well: when we started out people loved our services, but they would not trust us with their savings. More than two decades later we grow three times faster than the sector in private banking." New clients at Fineco were up 26% in the first half of the year, with the pace of acquisition rising 51%.
Foti 表示，Fineco 的公平定价模式吸引了年轻一代意大利人，据估计，未来 15 年他们每年将继承约 2000 亿欧元（约合 2250 亿美元）的财富，而该国的收入增长已陷入停滞。
Foti said Fineco's fair pricing model appealed to younger Italians who stand to inherit an estimated €200 billion ($225 billion) a year over the next 15 years, in a country where income growth has stalled.
“这些世代将越来越依赖对积累财富的高效管理，而非收入增长，这使他们更加关注性价比。”
"Those generations will increasingly depend on the efficient management of accumulated wealth rather than on income growth, making them much more focused on value for money."