摩根大通私人银行正利用人工智能进行客户开户、投资研究及其他任务，旨在提高财富顾问的生产力，该行欧洲、中东和非洲地区负责人巴勃罗·加尼卡（Pablo Garnica）表示。
Chase & Co.’s private bank is using artificial intelligence to onboard clients, for investment research and other tasks in an effort to increase productivity among its wealth advisers, according to its Europe, Middle East and Africa head, Pablo Garnica.
加尼卡在接受采访时说，人工智能的应用“旨在提升客户体验，同时让我们的顾问更高效、更有效率”。该行财富管理部门正利用人工智能简化复杂流程，让顾问更快获取其研究成果和投资观点，并帮助客户通过其网站和应用程序找到相关信息。
AI is being used “to enhance the experience of the client, but at the same time, to make our advisers more effective and efficient,” Garnica said in an interview. The bank’s wealth arm is using AI to simplify complex processes, give advisers faster access to its research and investment views and help clients find relevant information through its website and app.
与此同时，摩根大通仍在招聘并投资其私人银行员工队伍，这与部分银行和机构因开始看到技术带来的效率提升而削减岗位形成对比。加尼卡表示，他预计未来三到五年内，摩根大通在欧洲、中东和非洲地区私人银行部门的顾问人数将增长10%至15%。
At the same time, JPMorgan is still hiring and investing in its private banking staff, running counter to banks and firms that are cutting jobs as they start to see efficiencies from the technology. Garnica said he’s expecting JPMorgan’s adviser headcount within private banking in EMEA to grow 10% to 15% over the next three to five years.
一些财富管理公司表示，人工智能正创造更多招聘需求，因为其自身员工变得更高效，能够开发更多客户。例如，花旗集团今年早些时候表示，计划在美国零售银行增加400名财富顾问，并在私人银行再增加100名员工。
Some wealth management firms have said AI is creating more hiring needs as their own people become more productive and can onboard more clients. Citigroup Inc., for example, said earlier this year that it wants to add 400 wealth advisers across its US retail bank and another 100 staffers for its private bank.
加尼卡说，该公司“非常专注于”欧洲大陆市场，“并在中东地区增长”。他还表示，随着财富从婴儿潮一代加速转移，公司也在寻求与年轻一代建立关系。
The firm is “very focused” on continental Europe, and are “growing in the Middle East,” he said. It’s also seeking to build relationships with younger generations as wealth is transferring over from baby boomers at an accelerating pace, he said.
加尼卡表示，家族办公室目前最关注地缘政治风险，因为投资者正应对一个更加碎片化的世界、通货膨胀以及人工智能的影响。他指出，这可能为国防、与人工智能和新技术相关的板块以及基础设施等领域创造投资机会。
Family offices are currently most concerned about geopolitical risk, Garnica said, as investors contend with a more fragmented world, inflation and the impact of AI. That can create opportunities to invest in sectors like defense, ones tied to AI and new technologies, as well as infrastructure, he said.
瑞银集团（UBS Group AG）5月发布的一项针对30多个市场307家家族办公室的调查显示，60%的受访者计划在未来12个月内调整其战略资产配置，因为地缘政治冲突、债务上升和经济不确定性促使他们重新评估投资组合。
A UBS Group AG survey released in May of 307 family offices across more than 30 markets found that 60% planned to change their strategic asset allocations over the following 12 months, as geopolitical conflict, rising debt and economic uncertainty prompted them to reassess their portfolios.