内容来源：https://news.microsoft.com/source/latam/features/ai/galicia-naranja-x-github-copilot/?lang=en

内容总结：

去年四月复活节前夕的周五晚间，阿根廷央行突然宣布解除实施近六年的严格外汇管制政策，开放美元自由购买。消息传出后，该国最大私营银行之一加利西亚银行立即进入紧急备战状态。

为在周一营业前实现应用程序美元自由交易功能，该行技术团队连夜启用人工智能编程助手GitHub Copilot加速代码开发。银行架构总监赫尔曼·格罗斯表示："代码助手以安全高效的方式帮助我们实现了速度突破。"高级开发人员马塞洛·古铁雷斯坦言，若无AI辅助，系统升级"几乎不可能完成"。

阿根廷金融业正掀起AI编程应用热潮。开发者通过实时代码建议、自然语言提示等功能，快速生成高质量代码，不仅提升工作效率，更从中获得创新解决方案。金融机构借此加速数字化转型，在激烈市场竞争中赢得先机。

拥有500万客户的加利西亚银行自2024年初启动AI助手规模化部署，目前近500名开发人员常态化使用该工具。同属金融集团的数字信贷平台Naranja X更将AI深度融入工作流程，13名开发人员日均节省2-3小时，故障排查时间缩减50%。技术主管帕博罗·费尔南德斯透露，全公司560余名开发者已全面启用AI编程。

尽管AI显著提升效率，开发者仍强调专业判断的重要性。架构总监格罗斯指出："AI如同程序员的力量倍增器，但最终决策仍需人类把控。"布宜诺斯艾利斯大学计算机工程系学生、银行开发人员卡尔德隆则将AI助手比作"随时指导的教师"，强调提供充足上下文能获得更精准建议。

随着数字银行崛起和传统机构转型加速，AI编程正成为阿根廷金融业应对通胀压力和复杂经济环境的核心技术抓手。截至2024年底，阿根廷已有近120万开发者注册GitHub平台，标志着技术变革浪潮正在这片南美土地全面兴起。

中文翻译：

去年四月的一个周五晚上，正值复活节前夕，阿根廷中央银行突然宣布结束实施近六年的严格货币管制政策，取消美元购买限制，令市场震动。就在阿根廷民众消化这则消息时，该国最大私营银行之一加利西亚银行的员工正准备迎接一个忙碌的周末。

为确保周一营业前实现应用程序的自由美元交易功能，加利西亚银行技术团队立即投入攻坚。其中一个关键因素在于：他们运用人工智能加速了新功能的代码编写。

该行开发人员利用AI开发者工具GitHub Copilot（能够在软件开发生命周期中为团队提供AI赋能），准时完成了应用程序更新。"代码助手帮助我们以必要速度实现这类需求，同时确保安全检查和应有质量，"负责银行技术系统设计与实施的架构主管赫尔曼·格罗斯表示。

高级开发人员马塞洛·法比安·古铁雷斯坦言，若没有几乎每日使用的GitHub Copilot，这种快速转型"几乎不可能实现"。"它节省的时间直接提升了工作效能，"他露出标志性的咧嘴笑容补充道。这款工具通过上下文感知建议、自然语言提示和实时自动补全等功能，能生成完整代码行或函数，使他的工作效率提升逾30%。

纵观阿根廷金融业，开发者正日益采用AI技术加速编写和测试高质量代码，既提升专业能力又优化客户服务。许多人表示AI还帮助他们发现了前所未有的创造性解决方案，成为学习新知的渠道。

科技领导者指出，企业也因此更快实现目标、吸引客户并加速技术成长——这在竞争激烈的金融业至关重要。银行应用程序用户能享受更频繁的功能更新和更可靠的服务体验。

全球及区域金融业正处于快速变革期，新兴数字银行涌入市场，传统银行积极转型以避免份额流失。在长期经历通货膨胀、货币管制和经济不确定性的阿根廷，这种转型环境尤为复杂。

GitHub Copilot基于全球领先的开发者平台GitHub构建，可与Visual Studio、Xcode和Neovim等主流代码编辑器集成。截至2024年底，GitHub在阿根廷已拥有近120万个开发者账户。该工具提供三种实时聊天模式：代码问答、编辑辅助和代理模式（可管理跨项目多步任务），即使离线状态下也能委托常规任务给编码代理推进项目。

采用微软Azure加密传输与静态数据的GitHub Copilot，将安全、隐私、合规和透明度置于首位。作为加利西亚集团旗下拥有500万客户的金融机构，加利西亚银行在2024年初启动数字化转型时引入AI代码助手，目前约500名开发人员活跃使用该工具。"缺乏创新思维在当今银行业注定失败，这是必然要求，"格罗斯强调。这家成立于1905年的银行核心业务长期专注于为中高收入人群和企业提供存贷款服务。

而同属集团的金融科技公司Naranja X天生具备采用GitHub Copilot的基因。这家专注数字信贷服务的机构管理着超1300万张信用卡和借记卡。其DevOps与自动化经理索菲娅·巴吉尼表示，开发者每日因此节省2-3小时，特定任务排障时间减少50%。甚至有后端开发人员借助该工具解决了前端连接问题。

"产品交付越快，客户互动体验越佳——点击响应从5秒缩短至1秒就能改变体验，"巴吉尼指出。专注于自动化测试的开发人员哈维尔·布兰科借助AI同时处理多项目，获得更高质量解决方案并实现编程语言无缝切换。"这就像掌握编程领域的双语能力，"他比喻道。

技术负责人帕布罗·费尔南德斯透露，Naranja X超80%的开发人员（约560名）正积极使用该工具："全员开放许可申请的政策产生了显著影响。"曾经需要耗费数小时查阅技术博客和手册的古铁雷斯，如今直接咨询Copilot即可。近期开发反欺诈功能时，AI不仅优化了他的草案代码，还标记出潜在问题，后续单元测试开发时间缩短60%。"这无疑是场革命，"他评价道。

内部调查显示，加利西亚银行约80%开发者认为生产效率得到提升。格罗斯同时强调开发人员不可替代性："AI有时会缺失上下文或出现偏差，实际上可能刺激新软件功能需求。它如同开发者的能力增强剂。"最初持怀疑态度的开发人员冈萨洛·曼努埃尔·卡尔德隆，现在直接使用编辑器内自动填充功能，并通过聊天功能查错和创建单元测试。"如同获得第三方智慧，"他形容道。借助Copilot，他仅用两天就完成了通常需一周的个人银行板块抵押贷款重定向页面开发。正在布宜诺斯艾利斯大学攻读计算机工程学位的他，还将该工具作为学习辅助："如同与导师互动——提供越多上下文，反馈越精准。这正在重塑我们的工作方式。"

英文来源：

On a Friday evening last April, just ahead of Easter, Argentina’s Central Bank stunned markets by announcing the end of nearly six years of strict currency controls, lifting restrictions on the purchase of US dollars. As Argentinians absorbed the news, staff at Galicia, one of the country’s largest private banks, braced for a hectic weekend.
Galicia’s technology team sprang into action to enable free dollar transactions in the bank’s app before business resumed on Monday. One factor proved decisive: They used AI to expedite coding for the new feature.
Developers at Galicia leveraged GitHub Copilot, an AI developer tool that empowers teams with AI across the software development lifecycle, to deliver the updated app on time.
“Code assistants help us gain the speed we need to make these kinds of things a reality… and to do it with the necessary security checks and the quality it deserves,” says Germán Gross, head of architecture at Galicia, who oversees the design and implementation of the bank’s technology systems.
Marcelo Fabián Gutiérrez, a senior developer at Galicia, calls the turnaround “highly unlikely” without GitHub Copilot, which he relies on almost daily. “No doubt about it,” he says, flashing a lopsided grin. “You save time, and that extra time leads to improved work performance.”
He adds that Copilot has made him more productive. “It’s giving teams and developers a lot more agility, which really helps us tackle more tasks.” The tool enables developers to generate full lines of code or complete functions through a variety of features, like context-aware suggestions, natural language prompts and real-time autocompletion.
Across Argentina’s financial sector, developers are increasingly using AI to write and test high-quality code faster, enhancing their own expertise and delivering better services to consumers. Many say they are learning from AI too, discovering creative solutions to resolve code problems that they hadn’t considered before.
Companies benefit as well, reaching their goals faster, attracting more customers, and accelerating technological growth – key advantages in the competitive financial industry, the tech leaders say. Bank app users enjoy quicker feature updates and improved reliability.
The financial sector – regionally and globally – is undergoing rapid transformation, with new digital banks entering the market and traditional banks adapting fast to avoid losing market share. In Argentina, a long history of inflation, currency controls and economic uncertainty have shaped an even more complex environment.
Galicia
Improving the experience
GitHub Copilot is built on GitHub, the leading developer platform to build, scale and deliver secure software, and integrates with popular code editors like Visual Studio, Xcode and Neovim. By the end of 2024, GitHub reported nearly 1.2 million developer accounts in Argentina.
GitHub Copilot offers three real-time chat modes: one for questions and code suggestions, another for editing and a third agent mode that can manage multistep tasks like building features or creating files across an entire project. Additionally, developers can delegate routine and specialized tasks to the GitHub coding agent to move projects forward, even while they’re offline.
Powered by the latest generative AI models, GitHub Copilot prioritizes security, privacy, compliance and transparency. The tool encrypts data in transit and at rest on Microsoft Azure.
Galicia, which is part of Grupo Galicia, has over 5 million clients and adopted AI code assistants in early 2024 as part of a broader digital transformation. Today, around 500 developers at the bank actively use GitHub Copilot. “You simply can’t succeed as a bank today without embracing an innovative mindset,” Gross says. “It is mandatory.”
Founded in 1905, the bank’s core business has long centered on offering loans and managing deposits to medium- and high-income people and businesses.
At Naranja X, a fintech also under Grupo Galicia, the adoption of GitHub Copilot was in its DNA. Specializing in digital credit services, Naranja X manages more than 13 million credit and debit cards.
Sofía Baggini, DevOps and automation manager at Naranja X, says developers save two to three hours daily with GitHub Copilot. Time spent troubleshooting specific tasks dropped by 50%, she adds. A back-office developer even used Copilot to fix front-end connection problems outside of his usual expertise.
“The quicker the product reaches customers, the happier they’ll be and the better their interaction,” Baggini says. “If a click takes one second instead of five, that impacts the experience.”
Javier Blanco, a Naranja X developer focused on automated testing, uses GitHub Copilot to suggest code, fix errors, and test final products. He calls AI “a very good accelerator” that helps him juggle multiple projects simultaneously, get higher quality, find creative solutions and switch seamlessly between programming languages.
“It’s like becoming bilingual, but in programming – you’re learning a whole new language,” Blanco remarks.
More than 80% of Naranja X developers – approximately 560 users – are now actively using GitHub Copilot, according to Pablo Fernández, the company’s tech lead. “The impact is significant since access was granted to all; anyone can request and automatically receive a license without paperwork.”
Naranja X
Less time, more value
Gutiérrez, the Galicia developer, used to spend hours searching blogs and manuals for coding solutions. Now, he simply asks Copilot. For a recent anti-fraud feature for the Galicia app, GitHub Copilot improved his draft code and flagged potential issues. He then used the assistant to create unit tests to confirm the feature worked.
By leveraging GitHub Copilot, developing comprehensive test cases for this project took 60% less time. “For me, it adds real value – this is nothing short of a revolution,” Gutiérrez points out.
An internal survey at Galicia found that about 80% of developers feel more productive with Copilot, says Gross. His team of developers utilizes the tool across its various modes, including the coding agent.
The head of architecture emphasizes that developers remain essential as AI can be inaccurate at times or miss context. In fact, he believes AI may increase the demand for new software features. AI code assistants “are like steroids for any software developer,” Gross observes.
Gonzalo Manuel Calderón, another Galicia developer, was initially skeptical. Now, he uses GitHub Copilot to autofill code directly in the editor. After compiling the text, he uses the chat to spot errors and create unit tests. “It’s like getting a third opinion,” he says.
With Copilot’s help, he built a mortgage redirect page from the personal banking section in just two days—compared to the usual one-week timeline. He’s also finishing a computer engineering degree at the University of Buenos Aires and uses Copilot as a learning tool for his studies.
“It’s a lot like interacting with a teacher,” Calderón adds, pointing out that, just like with people, the more context you give AI, the better its responses. “It’s going to transform how we work.”