AI is transforming industries, raising concerns about job displacement and decision making reliability. AI, as a universal approximation function, excels in data driven tasks but struggles with small datasets, subjective probabilities, and contexts requiring human judgment, relationships, and ethics.The EPOCH framework highlights five irreplaceable human capabilities: Empathy, Presence, Opinion, Creativity, and Hope. These attributes are vital in financial services for trust, inclusion, innovation, and consumer experience. Although AI improves efficiency in risk management and compliance, it will not eliminate jobs but redefine them, similar to how ATMs reshaped bank tellers' roles. The challenge is ensuring professionals adapt, leveraging AI's strengths while preserving essential human capabilities.

翻译：人工智能正在变革各行各业，同时也引发了关于就业岗位替代和决策可靠性的担忧。作为一种通用逼近函数，人工智能在数据驱动型任务中表现出色，但在处理小规模数据集、主观概率以及需要人类判断、人际关系和伦理考量的情境时则面临困难。EPOCH框架强调了五项不可替代的人类能力：共情力、临场力、判断力、创造力和希望。这些特质对于金融服务领域的信任建立、包容性、创新和消费者体验至关重要。尽管人工智能在风险管理和合规方面提升了效率，但它不会消除工作岗位，而是会重新定义这些岗位——正如自动取款机重塑银行柜员角色一样。当前的挑战在于确保从业人员能够适应变革，在利用人工智能优势的同时，保持不可或缺的人类能力。