2 AI kukula masheya amapanga tsogolo laukadaulo

Tekinoloje zatsopano zasintha dziko lapansi pafupipafupi. M’zaka makumi angapo zapitazi, zinthu zopangidwa monga makompyuta, intaneti, ndi mafoni a m’manja zathandizira kwambiri ntchito za anthu, pamene zikupanga chuma chambiri panthawiyi.

Artificial Intelligence (AI) imalonjeza kukhala ukadaulo wotsatira wosintha. M’malo mwake, kampani yofufuza ya McKinsey ikuyerekeza kuti AI ikhoza kulimbikitsa chuma padziko lonse lapansi ndi 16% (kapena $13 thililiyoni) pakati pa 2018 ndi 2030.

Makampani ngati nvidia (NVDA -1.52%) Ndipo the Chakumwa chamandimu (LMND 2.33%) Omwe amapindula kwambiri ndi izi atha kukhala chifukwa onse amagwiritsa ntchito luntha lochita kupanga kupanga tsogolo laukadaulo.

1. Nvidia: The Gold Standard mu Artificial Intelligence Infrastructure

Mu 1999, Nvidia adapanga Graphics Processing Unit (GPU) yomwe idasintha mafakitale amasewera ndi zosangalatsa ndi kuthekera kwake kopereka zithunzi zenizeni zamakompyuta. Koma ma GPU akhalanso ofulumizitsa kusankha kwazovuta zapa data monga makompyuta asayansi ndi luntha lochita kupanga. Masiku ano, Nvidia ali ndi gawo lopitilira 90% pamsika wama supercomputer accelerators, ndipo ukadaulo wake wakhala mulingo wagolide muluntha lochita kupanga.

Kafukufuku wa Forrester Posachedwapa adanena kuti Nvidia GPU ndi yofanana ndi zomangamanga za AI, ndipo Nvidia wakhala akupeza bwino kwambiri mu MLPerf Benchmarks, mayesero angapo opangidwa kuti ayese momwe matekinoloje a AI akuyendera.

Kupambana uku kumachokera ku kusinthika kwake kuchokera kwa wopanga chip kukhala kampani yophatikizika yamakompyuta. Nvidia yawonjezera zida zake ndi laibulale yomwe ikukula ya mapulogalamu olembetsa ndi magulu opanga mapulogalamu omwe amathandizira kupanga mapulogalamu a AI kuti agwiritse ntchito monga kutsata ma genetic, kuzindikira mawu, ma robotiki, komanso magalimoto odziyendetsa okha.

Kampaniyo idalephera mu kotala yake yomaliza. Zopeza zidakwera 3% mpaka $ 6.7 biliyoni, ndipo zopeza zomwe sizinali za GAAP zidatsika 51% mpaka $ 0.51 pagawo lochepetsedwa, chifukwa kukwera kwamitengo kwatsika kufunikira kwa tchipisi tamasewera.

Koma mphepo yamkuntho iyi ndi yakanthawi, ndipo Nvidia AI ikupanga tsogolo la mafakitale ambiri. Mwa zina, ma fintech amathandizira kuletsa chinyengo, opanga amazindikira zolakwika zazinthu, opereka chithandizo chamankhwala amasanthula zithunzi zachipatala, ndipo nsanja zapa media zimalimbikitsa kuchitapo kanthu.

Nvidia imayika msika wake wophunzitsidwa bwino madola thililiyoni, ndipo kampaniyo iyenera kupindula kwambiri pomwe AI ikupitiliza kukonzanso dziko. Ndi malonda ogulitsa pa 12.3x malonda – malonda poyerekeza ndi zaka zitatu zapakati pa 20.3 – tsopano zikuwoneka ngati nthawi yabwino kugula katundu wa AI kukula.

2. Lemonade: Inshuwaransi yoyendetsedwa ndi AI

Lemonade ikubweretsa luntha lochita kupanga mumakampani a inshuwaransi pofuna kuchepetsa mikangano komanso kutsitsa mitengo kwa ogula. Pomwe ma inshuwaransi achikhalidwe amagwiritsa ntchito othandizira kuti agulitse mfundo ndikusintha zomwe akufuna, Lemonade imayendetsa izi kudzera pa ma chatbots a AI. Izi zimathandizira kulembetsa mosavuta kwa ogula ndikuchepetsa ndalama zolipirira kampani.

Chofunika kwambiri, ma chatbots awa amatha kusonkhanitsa zambiri nthawi 100 pa kasitomala aliyense kuposa mitundu ya inshuwaransi yakale. Lemonade imagwiritsa ntchito izi mu injini yake yanzeru yopangira, yomwe imazindikira zoopsa ndikulemba pansi malamulo a inshuwaransi. Pamapeto pake, mawonekedwe a datawa ayenera kulola kampaniyo kuyika mfundo zamitengo molondola kwambiri kuposa omwe akupikisana nawo, zomwe zikutanthauza kuti Lemonade iyenera kukwaniritsa chiwongola dzanja (ndiko kuti, zolipira ngati gawo la ndalama zolipirira) pansi pazambiri zamakampani.

Koma izi sizinachitike. Lemonade idataya 86% mgawo lachiwiri, pamwamba pa inshuwaransi yanyumba ndi ovulala pafupifupi 72.5% chaka chatha. Koma gawo lina la njira ya Lemonade likulipira. Idadutsa makasitomala 1 miliyoni patangotha ​​​​zaka zisanu kuchokera pomwe idakhazikitsidwa, pafupifupi zaka ziwiri makontrakitala Mofulumira kuposa opikisana nawo Allstatendi State Farm ndi Geico. Chifukwa chake zikuwonekeratu kuti mtundu wake wakale wamabizinesi a digito umakondweretsa makasitomala.

Chifukwa chake, Lemonade idawona kukwera kwake kwapakati pa 18% mpaka $290 mgawo lachiwiri, ndipo kusungidwa kwake kudakwera 100 mpaka 83%. Izi zinasandulika kukhala kukula kokulirapo kwa phindu, pomwe phindu lalikulu likuwonjezeka 15% mpaka $ 11.3 miliyoni. Komabe, Lemonade ikupitilizabe kuyika ndalama movutikira kukulitsa bizinesi yake, ndipo inanena kuti kutayika kowonjezereka kwa $ 68 miliyoni kotalali.

Otsatsa akadali ndi chifukwa chopitira patsogolo ngakhale kutayika kwakukulu kumeneko. Makamaka, Lemonade posachedwapa idapeza Metromile, ndikufulumizitsa kukula kwake kukhala inshuwaransi yamagalimoto. Mgwirizanowu udzatumiza injini yake ya AI yokhala ndi mabiliyoni a mailosi oyendetsa akutali omwe amasonkhanitsidwa kuchokera kwa makasitomala a Metromile.

Lemonade ikuyerekeza kuti inshuwaransi yamagalimoto ikuwonjezera $300 biliyoni ku mwayi wake wamsika waku US, zomwe zikubweretsa ndalama zonse $400 biliyoni. Zimapanganso mwayi waukulu wogulitsa malonda, monga Lemonade akuyerekeza kuti makasitomala omwe alipo kale amawononga $ 1 biliyoni pa inshuwalansi ya galimoto pachaka.

Aliyense amene wagula inshuwaransi posachedwapa kapena kudandaula angavomereze kuti bizinesi ya inshuwaransi ikufunika kusokonezedwa, ndipo mtundu wamalonda wa Lemonade wa AI walemba mokwiyitsa ponseponse. Ichi ndichifukwa chake oyika ndalama omwe ali pachiwopsezo ayenera kuganizira zogula katundu wokulirapo.

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