第九期【屹立不倒的摩根大通】

DAY 17 答案及原文

「答案」

（1）B

（2）D

（3）D

「聽力錄音」

「聽力原文」

Eric: Good morning. Thanks for taking my question. So, this question kind of ties into some of the items already mentioned, longer term, kind of tech-focused and also related to Finn. So, there has been some press recently about reasons for closing down the Finn app and one of the items that was mentioned was some of the difficulties banks can potentially run into with their legacy platforms, which for the most part are built on COBOL, which has been around since the 1960s and depending on who you talk to, these legacy platforms can either be like huge problems for banks or not really a big deal.

早上好謝謝你回答我的問題。所以，這個問題與前面提到的一些項目有某種聯繫，長期來看，是一種以技術為中心的問題，也與芬蘭人有關。因此，最近有一些媒體報道了關閉Finn應用程序的原因，其中一個被提及的問題是，銀行在使用其遺留平臺時可能會遇到一些困難，這些平臺大部分都是建立在COBOL上的，COBOL從20世紀60年代就開始存在，這取決於你和誰交談這些遺留平臺可能對銀行來說是個大問題，也可能不是什麼大問題。

So, I guess, from the outside, at least from me, it can be kind of hard to tell what really is going on there.(1) So, my question is that, as you complete with fintech firms who are building new platforms from scratch, how do you strategically view dealing with your own legacy platforms? Is there a need to kind of redo these things eventually in order to actually compete with newer tech over time? Do these legacy platforms really hamstring you in anyway or is the hype around those issues really overdone and if so, why? Thanks.

所以，我想，從外面看，至少從我的角度看，很難判斷那裡到底發生了什麼。所以，我的問題是，當你與從頭開始構建新平臺的金融科技公司合作時，你如何從戰略角度看待如何處理自己的遺留平臺？是否有必要最終重做這些事情，以便隨著時間的推移真正與新技術競爭不管怎樣，這些遺留平臺真的會讓你陷入困境嗎？還是圍繞這些問題的炒作真的過頭了？如果是，為什麼？謝謝。

Jamie Dimon: Well, the hype has been around now for the better part of a decade, right, and we seem to be doing fine, and some of these legacy platforms also is the reason why we have 50 million customers, but it is true that all the time, these platforms are being reformulated and re-factored to be cloud eligible and things like that and those things are more efficient.

好吧，現在的炒作已經持續了十年，對吧，我們似乎做得很好，其中一些遺留平臺也是我們擁有5000萬客戶的原因，但事實上，一直以來，這些平臺正在被重新設計和重新考慮，使之符合雲計算的要求，而類似的東西和那些東西的效率更高。

(2) So, your costs will go down, your error rates will go down. So, the way I'd look at it a little bit is we run like 6,000 to 7,000 applications. Over time, those are being modernized and being re-factored to be cloud-eligible with our own private cloud or public cloud and yes, they'd be more efficient. There's also tons of new digital platforms, AI, that are built around these things, that do the customer service side that they see. You can open account in minutes, you've got your free credit journey and we can modify some of these things in days and weeks as opposed to years, because you are not a monkeying with the whole legacy system.

所以，你的成本會下降，錯誤率也會下降。所以，我稍微看一下，我們運行了6000到7000個應用程序隨著時間的推移，這些正在被現代化，並被重新考慮成為我們自己的私有云或公共雲的合格雲，是的，它們將更加高效。還有大量新的數字平臺，人工智能，圍繞這些東西構建，做他們看到的客戶服務方面你可以在幾分鐘內開戶，你有你的免費信用旅程，我們可以在幾天幾周內修改其中的一些東西，而不是幾年，因為你不是一個與整個遺留系統。

(3) And so, it's a little bit of both, but those numbers are embedded in our tech spend, the re-factoring, big data centers now getting better and in AI, they're all in those numbers.

所以，兩者兼而有之，但這些數字都嵌入了我們的技術支出，再分解，大數據中心現在越來越好，在人工智能中，它們都在這些數字中。

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