As with every key skill, Financial Analysis opens many doors be it a financial controller on the Buy Side or an Investment Banker on the sell side. Here are the top five career paths for a financial analyst.
- Private Equity Analyst: A private equity analyst works on the buy side and for a private equity fund like Chrys Capital or Warburg Pincus. Their job involves analysing the financials of private companies, creating financial models and forecasts of their operations including industry, macroeconomic and microeconomic and preparing a case for or against investment in the company. He/she liaisons with key senior representatives of the company, often including the MD, investment bankers and the Investment Committee of the fund.
- Investment Banking Analyst: An investment banking analyst works for the sell-side, investment banking, and is in charge of analysing both companies and sectors and preparing pitch presentations, financial models, forecasts, financial analysis of companies for valuation and of course information memorandums which are part of the collateral used in deals. The analyst often liaisons with clients, companies, senior management, private equity analysts and many others in the financial services landscape.
- Equity Research Analyst: this is a financial analyst that can either work for an investment bank, (sell side) or for a mutual fund. The equity research analyst usually covers five to six companies in a sector and analyses these companies in the great amount of detail. They are experts in the industry they cover and give recommendations like buy, sell and hold in written reports. Primarily liaisons with senior representatives of the company, including the CEO and CFO, as well as investors who read the reports.
- Financial Controller: Often works in a company and reports to the CFO of the firm. His responsibilities involve ensuring the finances of the company are sound, analysing the performance of the company and making sure budgets are in place and are adhered to. He ensures funding requirements of the company, both working capital and long-term financial, are made available in a timely manner. He engages with both commercial and corporate banks for treasury requirements and needs to have a broad knowledge of all financial products including derivatives like options and futures to hedge foreign exchange risk and make effective investments, capital markets, mutual funds, and the commodity market. In many ways being a financial controller or treasurer is an excellent way to begin a career in the financial analysis since it allows a person to have a bird’s eye view of the financial services products while engaging in M&A on behalf of the company, as well as getting much-required exposure to how companies actually work. from the inside. This is often touted as the biggest disadvantage investment bankers and private equity analysts have because they often join these firms as freshers and have little idea of how companies actually make money.
- Commercial Banker: Working as a corporate banker is a role that is often a role completely ignored because it is considered unglamorous but in many ways, it is the most obvious path to becoming the next Chandha Kochar or KV Kamath. Corporate bankers often walk the fine line between investment and commercial banks and because of that get access to many areas of banking that are often closed to Investment Bankers and Private equity analysts. They are comfortable with Asset Management and Treasury, have keen insight into the ways companies work and often find their way into project finance which is easily one of the most exciting places to work in a bank because they lend to high profile infrastructure projects that require intense financial analysis.
Authored by: Reshma Krishnan
The major investment banks perform numerous transactions every day across national and international markets. The investment banking transaction could be varied in nature from huge mergers and acquisitions to derivatives, commodities, basically, deals of many natures. Now imagine how is this possible? Or was this possible for investment banks to conduct their business in this form, say a decade or two ago? Not really, for investment banks to function like this, they need to have a strong IT support, right from the front end support, like in sales and trading applications, quantitative analytics and risk analysis support to data warehousing, settlement, and position keeping systems.
For investment banks to thrive, especially in a global landscape, would need details like value at risk for portfolio, and information of global markets, and this information has to be valuable, accurate and in real time. It is established that the availability of this information is only possible with appropriate IT intervention. Especially things such as value at risk can only be calculated using statistical tools and historical evaluation over a period of time.
Information technology thus becomes an enabler for investment banks in conducting their business more efficiently, from within the bank. The objective of this department is to enable the bank function in an optimal way using technology, and to provide smarter and futuristic solutions. The function of the IT applications used in investment banking either integrate with the legacy technology or are built on new platforms which are user friendly, fast, flexible and automated.
An investment bank, to function at par with global standards and meeting client and customer expectations, needs to adapt smart technology. Effortless and efficient front and back end IT systems, risk management systems, multiple trading platforms are some of the major technological advancements being used by investment banks for effortless functioning. If one is part of the investment banking industry or the financial sector on the whole, they will use technology at every level, maybe the impact will change but the technological exposure will be there for sure. From as elementary to using excel, word and databases for managing client information, using power point for presentations, to using and managing information tools to compile the financial reports.
It is not only in the daily functioning, but also to match the volatile nature of global markets, there is a constant need to develop new financial products and make changes in the investment flows. The IT departments of any investment bank have to keep up with this demand and be innovative in providing solutions. So they not only need to keep up with the technical requirements of the investment banks but also the business needs and come up with innovative solutions on how to integrate them both.
Investment banks are in the need of building an IT leadership that has clear communication skills, a great technological vision, and the ability to blend well with the business need along with good global governance. Investment banks have realised the importance of change management, and opening up doors to embrace technology, perhaps building a strong coalition from executives to the leadership, with the endeavour to embrace digital capabilities.
The investment banks of tomorrow will successfully build a team that reduces operation dependency from archaic legacy solutions to effective IT structures while reducing the cost base to create financial incentives for transformation.
The key factor denoting a company’s growth and existence is the level of profitability attained. There is a direct relationship between utilizing financial resources and the profit generation for a business firm. Financial analysis is required to determine the financial health and stability of a company. It helps in determining the current financial position and upcoming financial requirement. In order to assess the financial health and performance of a company, a financial analyst is required.
The role of the financial analyst is very challenging, and includes the following:
- Guiding the financial need and requirement of the company
- Assessing the performance of bonds, stocks, commodities, and other investment instruments
- Making decisions regarding market investment
- Analyzing the performance of securities, insurance
- Determining future earnings and expenses of business firms
- Evaluating the effect of tax rates, government policies, competitor strategies, commodity prices etc
They deal with the balance sheet, spreadsheets, and databases in order to gain a better insight into firm’s prospects. Having a strong hold on the market economic trends and business scenarios, they often give recommendations regarding buying and selling of investments.
There is a vast scope of career advancement for financial analysts. Many professional, as well as certification courses, are there for developing the financial knowledge and skills. With rigorous academic curriculum, ‘Imarticus Learning’ has successfully developed many financial professionals with outstanding quantitative and analytical skills, through our business analytics certification course.
The Financial Services industry is without a doubt seeing the effect of innovation driven change either straightforwardly to their plans of action (for both customer and business customers) or even as an optional or tertiary effect, given it’s at the center of all different ventures. While these organizations have made a tolerable showing with regards to by and large of receiving more current and propelled advancements, they clearly need to get a move on of appropriation or hazard losing piece of the overall industry to the freshest participants – or more terrible, getting to be noticeably out of date.
The most recent influx of development and technology is about versatility. The web based keeping money and financier encounter has now moved onto your telephone which upgrades accommodation on many levels.
Banking and Investment applications would now be able to connect into your telephone’s GPS to give you area based data, for example, closest ABMs and branches.
Versatile and remote advances are a greater amount of a development in my psyche as they haven’t radically changed the market as much as past developments.
Remote installment innovation over RFID (Visa Pay Wave, MasterCard Pay Pass) is up to twice as quick as utilizing money or check cards. Charges won’t be dropping but rather buyers are getting back another extremely significant ware, time.
The normal retail Investment Banker or Financial Analyst won’t think excessively about how quick their exchanges are executed however dealers, institutional speculators and mutual funds do.
Executing exchanges a couple of milliseconds quicker on a trade can have a major effect when you are doing thousands or even a huge number of exchanges a day.
Getting the most ideal cost for your customers encourages them spare cash while it will also facilitate those who are putting the exchanges, they will get more business. There are different contentions that fast exchanging can prompt higher expenses for speculators nonetheless.
Fiber optic interchanges, quick figuring force and reason manufactured applications all add to executing exchanges rapidly.
While the pace of innovation change in the budgetary division may be ease back in respect to different regions, despite everything it has an extremely critical effect.
Regardless of whether we understand it or not, advancements in innovation for the managing an account segment influence us consistently.
To stay in the lead, money related and finance administrations associations must acknowledge and adjust to the way that the client base they serve is experiencing a noteworthy move as far as purchasing practices and inclinations, a lot of which is being driven by the computerized innovation transformation, especially online networking and portable. Era Y, for instance, needs more decision and control by the way they interface with a bank or insurance agency, regardless of whether it act naturally coordinated, web drove, individual to-individual, on the telephone or in an office. Accordingly, organizations must change their customary models and items to benefit this developing and evolving client
Today, it’s elusive a position that is more popular than a financial analyst. Actually, the U.S. Agency of Labour Statistics expects a 12% rate of development in the quantity of money related expert employments in the 10-year time span in the vicinity of 2014 and 2024. That is speedier than the normal development for all other vocations in the field of Finance.
Most firms require a specialist to manage budgetary business choices. This master ought to have the capacity to estimate where the organization’s cash is originating from now — and later on — then enable administrators to choose how to put it in ways that produce the best return. A Financial Analyst needs first class basic leadership aptitudes. What’s more, he or she should have the capacity to add to office particular and general business techniques and give information based arrangements grounded in the strong examination. They’ll likewise be relied upon to make an interpretation of reports and gauges into a straightforward exhortation that will streamline forms, enhance productivity, spare time and cash, and set up the organization for development. Experts with these ascribes aren’t anything but difficult to discover nowadays.
About all organizations require a decent monetary investigator to adjust their books and watch the main issue. Be that as it may, the measure of a business, its multifaceted nature, the industry it works in, and its phase of improvement will decide the particular obligations of the monetary expert. For instance, a developing innovation organization may require a money related master to assess potential acquisitions, while an entrenched protection supplier may require somebody to recognize potential new income streams.
Organizations rely on the financial analyst to enable them to settle on basic business choices in view of financial information. They assume a basic part in business by inspecting information and giving noteworthy data on gainfulness, dissolvability, steadiness, and liquidity. In view of information given by the examiner, the organization likewise composes budgetary reports and tracks money related development both in the association and in the commercial center all in all.
Corporate financial analysts work each day with the organization’s objectives and current money related circumstance as the main priority. They apply that concentration to their work breaking down spending plans pay proclamation figures and other money related information. They gather and outline information to fabricate complex reports that obviously delineate the organization’s money related status and any dangers that may exist. They additionally build up money related benchmarks against which they measure organization execution, and create budgetary models to enable leaders to decide how specific changes in conduct or economic situations could affect the business later on.
While a characteristic energy for numbers is basic, don’t disparage the significance of sensible considering and the capacity to investigate an assortment of data. In the event that you’ve had the chance to use explanatory abilities, you should exhibit it and give points of interest of your learnings and difficulties.
It is vital for financial analysts to have the capacity to examine the connection between an organization’s money related conduct and industry requests. In such manner, money related experts must have the capacity to survey and cross examine budgetary data. You ought to be economically canny and have the capacity to speak with individuals at all levels.
In today’s competitive world, merely being a graduate or a post graduate is not an impetus enough to begin your career in Finance. One has to acquire more than just the customary degree, to gain a competitive edge over others, further focused and specialised courses are compulsory.
Out of the array of courses available, you have to be very clear on your objective of taking up a course, also one has to consider if the said course if relevant. What worked in the times of your parents might not have the same value today? Or what your elder sibling did a few years ago might be redundant in the next few years. Financial capability and availability of time should also be a deciding factor.
There are many short term courses in finance. Like explained above there cannot be a ‘best course’, it is a relative term, you need to finalise basis what suits you the best.
There are many short term finance courses in India. Which usually relate to, Personal Finance, Corporate Finance, International Trade Finance, then there are courses in Financial Management, the object of such specialised courses is that delegates know how Finances, Investments and the Economy can affect an individual or an organisation.
Certain short term courses in personal finance can be pursued intermediately or after graduation. The courses in ‘Personal Finance’ are focused on managing individual finances.
Financial Risk Manager & Certified Financial Planner, are both courses which are highly revered in the finance industry. And also accepted globally. If planned appropriately, doing these short term and spanned financial courses, can easily give you an edge over others and help you not only acquire a relevant job but elevate the professional ladder as well.
Under the umbrella of ‘Corporate Finance’, one can choose short term finance courses between, Banking, Analytical, Financial Modelling, and Financial Management Courses. These courses essentially deal with managing the finances of a corporate or a business.
JAIIB & CAIIB programs from IIBF, PGDBO – Post Graduate Diploma in Banking Operations, are certain short term finance courses to consider.
Chartered Financial Analyst Program is holistic programme one can enrol if they want to take their career ahead in the field of analytics in finance. The program enables participants to be experts in Financial Analysis, Equity Research etc…, This is particularly preferred qualification for finance and investment professions. Also, there is a great demand of CFA charter in corporate finance.
Most of the courses can be planned and taken as a staggered approach.
Some additional short term financial courses that can be considered post-graduation are, Financial Modelling courses, this will give you an added advantage to the existing skill sets and widen your recruitment opportunities.
Global Finance and Accounting Program offers practical global accounting knowledge and creates skills to get career opportunities in finance and accounting.
So once again, reiterating on the fact, that clarity in though and a set objective from the short term finance course, based on your personal needs and limitations should be set. The courses mentioned above may be short but are specific enough to help you secure a relevant good paying job on completion.
Most industries have a set of tools or a path which the professionals in that trade use to deliver the promised outcome. Ratio analysis are essentially quantitative tools used by people working in the financial profession, to analyse sets of financial information. This information is contained in the establishment’s financial statements.
Understanding Ratio Analysis
Ratio analysis is based on the headers from the financial statement like the balance statement, income statement, cash flow statement etc…, ratios of either one of them or with a permutation of some items is compared with another combination, and then calculated.
Ratio analysis is basically an evaluation tool to examine various aspects of functioning of a company, understanding its financial operations, like liquidity, efficiency, profitability etc…,
Trend analysis is further done on the ratios to understand if they are declining or refining.
Ratios are usually also compared with different companies falling in the same sector, to understand and run comparative valuations. Ratio analysis thus becomes the foundation of fundamental analysis, further assisting the company to make appropriate investment decisions.
Ratio analysis, to largely put it, can be done under any grouping, as far as the features are comparable. Some common categories are – Ratio analysis by department, industry, period, company, the age of the company, geographical location, ratio analysis for intercompany elements.
Conducting ratio analysis is only half the job done, without words describing them and
assigning meaning to it, the analysis will only be another set of numbers.
In current times there is much-sophisticated accounting software’s that are capable of conduction the ratio analysis.
However, a person in the financial professional is the one who guides and raises the need and importance to do it. Like for example, a financial analyst in investment banking, who manages and reports on investment portfolio will base the investment path on ratio analysis to make informed decisions. The most commonly calculated class of ratios are, investment, profitability, performance, financial liquidity, stock market ratios etc…,
Advantages of Ratio Analysis
- Most numbers found in the financial statements will have no meaning or understanding, hence a financial analyst uses the preferred method of ratio analysis to give meaning to the numbers.
- It helps the heads of a department or of an institution to understand trends, and base projections in the future, for an item from the financial statement, deciding its course.
- After calculating, the investment analyst will be better able to decide to invest in a project or not, thus Ratio analysis assists in better decision making.
- Ratio analysis can be done across sectors within the industry for financial factors, it thus helps compare one’s growth and performance with another, giving a parameter of performance.
- Enhancing a performance of a department, becomes easy, performing ratio analysis will throw light on the health of a department, if it is excelling or needs improvement, and if so, how can it be financially supported. Such a report card can be made with the help of ratio analysis.
Ratio analysis help flag early signs of warning, of either a fall or deterioration or an improvement in the financial performance of a company or an institution or individual investments. Analysts continuously work in understanding the impact and raising alarms if required for the company or individual stocks. Over analysis could also have a negative impact, as there is an availability of ratios. A point to remember is that ratio analysis is to make things simpler and not over complicate strategies and investments.
Blended learning might have many connotations for many individuals. It is essentially a hybrid approach with a combination of online delivery of content and the traditional live face-to-face based instruction. For some, the definition or understanding of blended learning so boards that any integrated use of technology into the learning experience might result in it being branded as blended intervention.
What is Blended Learning?
In the true sense, blended learning is more of a pedagogical approach in education which brings the best of socialisation opportunities of the classroom and marries it with the flexibility of technologically enhanced active learning possibilities of online teaching experience.
The teaching landscape has witnessed a great evolution over the last century, there has been a technology uprising especially in the last decade which has impacted the way people learn. The availability of smartphones, tablets, Kindle, accessibility of the internet almost everywhere on the planet has rapidly impacted the way we learn and the generations to come will. Technology will continue to integrate into our lives and education and learning and development portals have accepted this fact and are willing to embrace it for the advantages it brings. Thus one will see the uprising in the acceptance and usage of blended learning approaches.
Blended Learning Models are very segmented in nature and hence is gaining popularity in the education forums for its ability to personalisation to fit the individual’s learning needs. The course can be designed from the many available models, to suit the topic or audience, for example, instead a traditional mode of delivery, one can choose the online method, where face to face interactions are periodic or limited, or offer Rotation method where the participant rotates between self-paced online learning and personal instruction schedules which are fixed but flexible in nature. They can also take advantage of the Flex method which for its majority is online delivery and participants can get instructor interactions on request as a support.
Advantages of a Blended Learning Approach
In the true sense, this approach is a win-win situation for the Instructor, Participant and the Topic i.e. the teaching condition is conducive to the topic of learning.
The Blended Learning Approach is breaking the traditional wall in some sense and addressing issues of individuals rather than approaching it as the whole, where the needs of a few were neglected. With the currently available technology, courses can be personalised to individuals learning capabilities. The technological integration also breaks down the conventional issues like time, where the participant has the flexibility to learn at their pace around a time in the day which is most convenient to them.
Instructor gains access to global resources, and materials which match the students level of knowledge and interest. Teachers can offer personalised interactions in private through chat rooms, emails etc., in turn helping the learner me more effective. Due to online portals, students get availability to their learning graph, which reduces the stress from the teachers allowing them to focus on the areas of weaknesses and bridge the skills gap more efficiently. Teachers can use technology to introduce a variety of activities and engage students through different learning styles. Instructors with the help of technology can reach and motivate slow learners or hard to reach participants creating individualised professional development plans. It also offers to teach as a professional to people located in remote or low opportunity areas, thus creating more earning potential and activating dormant careers.
Participant stays focused when technology is introduced in a teaching set up, focus and excitement increase. Subsequently, the retention ability is also enhanced due to continuous reinforcement. With the access to the internet the availability of resources increases, where inquisitiveness is fuelled by research, guaranteeing consistent engagement of participants and students alike. It gives rise to student autonomy, making the participant in charge and responsibility in setting personalised goals and learning pace, instilling a sense of ownership. This is phenomenal as the participant is not only learning the subject or topic but is also getting prepared in real live skills, thus directly impacting the future skills, like decision-making, resilience, self-engagement, research skills.
Topics or scale of information, it’s penetration or reaches also increases. It reduces isolation, participants or students sitting across any location can take advantage of the wealth of information and opportunities which were only available to the select few of the cities in the past. Thus offering more collaboration and networking opportunities. This, in turn, leads to better student data making the path for professional growth.
With all of these interesting facts and things being stated here, Imarticus Learning has taken an uptake over the Blended learning and we have created courses best suited for the people interested in Banking, Finance and Analytics industry.
To conclude, it is important to note that each individual will have a different learning style, the instructional design should focus on the visual, auditory and kinetic learners alike while designing corporate courses or in education. Integrating technology effectively can improve the retention, engagement and enjoyment for participants. Increased availability of technology in learning or blended learning approaches thus becomes imperative in today’s time irrespective of the nature of education in schools or corporates alike.
In recent times, Chartered Finance Analyst (CFA) is a designation which is quite revered and regarded by most as a key certification for professionals in the areas of portfolio management and research.
The chartered finance analyst program is a certification from the CFA Institute. It is a globally regarded certification. It is essentially a self-study methodology, graduate level program for professionals who want to pursue a career in investment. A person coming out of any discipline or academics can pursue the CFA program. Applications to the program are usually from students and undergraduates to an early professional who intent to get a boost to their career. Although it is important to note that just getting a certification will not guarantee the same.
Passing all the three exams of CFA in itself is a very daunting job when compared to the efforts and commitment of the time required as against other management programs like the MBA. In fact, there are many MBA pass outs and CA’s who join CFA to get into core investment banking jobs. CFA gives a great technical grounding and offers broad-based scopes suitable for investment banking, research analyst, equity research and portfolio management.
The CFA course focuses on ethics, portfolio management, accounting, corporate finance, fixed income and equity investments, so basically if one does not have a very specific choice but needs to build their career in the field of finance then they should opt for the CFA certification as it is broad-based, opening many career opportunities.
Passing a CFA exam shows that the person pursuing the same has the ability to show commitment, tenacity, comes across as a professional with resilience, and rigour. In addition to the learnings from the course, the charter holders are also considered internationally mobile as well due to their association with the global professional network.
Some of the most common jobs taken by the CFA professionals
Since CFA focuses on essentially training you on portfolio management skills, this job becomes a no brainer for most pass outs. Under this profile, you are responsible for making financial/investment based decisions for people who have given the control of their money to you or to your company.
Here the profile is responsible for analysing the financial transactions and records of the firm for its clients. Here you need to prepare your observations and reports and primarily have an insight of what the client would want to know about the financial health of the organisation in such a way that nothing essential is overlooked before making any strategic decisions. There are many other nomenclatures for this role within the organisation, such as investment analyst, rating analyst, financial analyst, equity analyst, to name a few.
Here the person needs to provide suggestions that will benefit the firm with professional advice. The CFA course covers corporate finance which will assist the professional to make alternative decisions and suggestions to the third party or the client satisfying their requirements.
Here you are required to keep a track of all financial footprints and documents of the business or company that you are associated with.
Investment Banking Analyst:
Here a person needs to check all possible pit stops, analyse, evaluate, all possibilities before any investment is made. The person usually is responsible for directing and making the firm aware of mergers and acquisitions. The task can be efficiently performed by any CFA pass out as the course has a section on corporate investment, equity investment, economics and more which prepares them to handle such requirements.
These are just a few opportunities out of the many that you can take advantage of if you wish to pursue the CFA certification.
So to conclude, it is quite obvious that in recent times many organisations and individuals alike are getting highly interested in CFA. The fact that a CFA certification will benefit the organisation and the individual in revenue growth and career growth, it is perhaps why most organisations are also considering sending employees usually from the start up a level for this certification as the long-term advantages cannot be ignored.
It is then true to say that the CFA designation does distinguish the charterholders from other counterparts in the eye of professionals and investors. As a successful CFA charterholder has already proved the test of time and their ability and intention of commitment to conducting their professional life according to high professional standards.
Of late, a great topic of discussion is on the true meaning of Artificial Intelligence. As the field is witnessing progress there is a constant evolution in the meaning as well. In simple words, artificial intelligence is the ability of the computer to perform tasks commonly associated with intellectual human being. It is predicted to fundamentally reshape the way in which organisations work.
Artificial intelligence and Machine intelligence is often misunderstood as a substitute for each other. Machine learning is basically getting the computers to program for themselves, here it allows the data to internally train the data sets. Machine or Artificial intelligence on the other hand means ‘intelligent computers’, computers without human intervention capable of pattern discovery, discerning context, to reason, and to learn and improve themselves overtime.
What’s in the Future……?
In the future with this type of evolution, it will not necessarily be Humans v/s Computers, but man and computers working alongside in harmony to improve the way we work. So the employees who do routine manual or routine cognitive job roles, will have a high chance that their jobs will be replaced with computers and they will have the availability of time to invest in areas that they are interested or jobs that require advanced skills. Making machines responsible to do the repetitive tasks can go a long way. It will take the creativity and innovation quotient of the human race to enhanced levels. Furthermore, this technology is not only set to impact the workers with routine repetitive jobs, if your job is of routine cognitive nature then artificial or machine intelligence will play a role of a digital advisor, it will play a role where man and machine collaboratively work in tandem for betterment. Artificial learning and automation of certain jobs will then to a large extent become a good thing.
There are some researches which predicts that artificial intelligence will be responsible in making workers more productive and create new jobs. There is a belief that AI will help with automation that will not only assist companies to focus on higher skilled tasks and more creative jobs but will give them insights which will enable workplaces to use that knowledge in ways that cannot have been imagined so far.
Some stats on Artificial Intelligence:
- By 2020 85% of customer interactions will be handled without a human
- 44% of executives believe “artificial intelligence’s most important benefit is that automated communications that provide data that can be used to make decisions”
- By 2018 ‘customer digital assistance’ will recognise customers by face and voice across channels and partners.
- By 2020, smart agents will manage 40% of mobile interactions.
- 9% of business data technology have artificial intelligence solutions deployed.
The artificial intelligence market is estimated to reach $40 billion by 2020
In the future, you will witness an Artificial intelligence revolution in marketing, where smart data and machine intelligence in collaboration will use artificial intuition which ape’s human intuition. For e.g. creating advertisements whose images and phrases evolve based on viewer response.
However, reaching the state where organisations will be machine intelligent is not so easy. The majority of our efforts at present is on supervised learning, where we are training the computer on instances that are labelled with reinforcement, and doing that takes time. Also there is the impending challenge of embedding the technology into existing enterprise application. In doing that we will one day make the computer as intelligent as the human brain.
25 years ago the internet impacted the wider world, it revolutionised the way we existed, changed the way organisations functioned. We are at the identical brink of time where in the next 25 years Artificial Intelligence might have the same impact on the way we work and live.
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