AI後進国の日本の10年後は?金融業はフィンテックによって衰退するのか?

30代の転職

最近ではAIという言葉は、誰しも認識する言葉となりました。
現時点では、すでにAIと呼ばれる人工知能は実用段階に入っており、私たちの身近なネットショッピングから「フィンテック」に至るまで影響を及ぼすと言われています。

AIと呼ばれる人工知能が発展することで、私たちの生活や職業がどのように変化していくのかを検証していきます。

スポンサーリンク

フィンテックとは

金融と技術を組み合わせた造語「finance+technology」です。
スマホで送金できるのも、このサービスのおかげといえるでしょう。

金融業はAI市場でどれだけのシェアがあるのか

金融業はAI市場において約3割も占めていると言われています。
例えば、クレジットの管理やリスクアセスメント、投資案件の調整ですらAIに任せているのです。

今後は窓口業務にもAIを導入していくことが予測されますので、現在金融の窓口を担当している人の仕事はAIによって仕事が奪われてしまう時代が来ます。

AIは代理店業務にも影響がでる

例えば、旅行に関しても旅行代理店に行かなくても、AIが全てを担うことができると予測されているのです。
また、広告に関してもAIを活用することで、人間にはできない様々なパターンを用意することが出来ると考えられており、広告代理店を利用する企業が激減すると予測されます。

近年、旅行代理店や広告代理店が衰退していくと言われているのが、AIの発展によるものなのです。

自動車産業にも影響がでる

現在、自動車業界でトップシェアを誇るトヨタ自動車であっても安心ができません。
最近ではクラウンを利用して自動運転の宣伝を行っておりますが、AI後進国である日本の企業は海外のAI先進国には到底及ばないと考えられています。

グーグルなどのようなAIの最先端をいく企業が、日本の自動車産業へ参入することで、日本の自動車産業が衰退していくと予測する専門家も多いです。

最後に

いずれ、日本の産業は東南アジア各国に追い越されていくことでしょう。しかも10年以内に起こると予測する専門家が多いです。

フードデリバリーのGrab、スマホ決済最大手のPaytmをご存じでしょうか。
いままでは発展途上といわれた国々がAIを採用した最先端の事業を展開しています。

なぜ日本にはいまだに普及していないのか本当に不思議ですね。

やはり、日本の大手企業では高年齢層がメインとなっている企業が多い為、時代の変化に柔軟に対応できていないと考えられます。
大企業へ転職することがリスクであると提唱する人がいるのも、そのような観点からすれば納得できます。

AIの技術に変革をもたらす企業や、大手であっても最先端のAI技術を積極的に開発・導入する意欲のある企業へ転職することは、特に本気でなにかをやりたいと考えていない方は将来的な安定を求めるうえでは、選択肢として持っておくべきでしょう。

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