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AI

Chanrs@ms68.hinet.net 0955-268997
http://mypaper.pchome.com.tw/chanrs
2010/08/20












MTP

GoogleIBM
AI




Fintech

6

Nordea

6,000
32,000 26,000
2,000



AI



24

AI






Line
Line
Mega







2015Fintech

2


Mega
AI


AI
AI
AI







2030

1
10








2016 12







-


IDC20187
AI
AI
IDC
201868%
25%

IDCIT
IT Spending
2021
AI576
17340



Pepper









Robert F. Lusch, Stephen L. Vargo
























4P+1P=
4P








1.01 365
37


1% 365
37