人工智能在金融服务中的影响

REPORT QUALIFICATIONS/ASSUMPTIONS & LIMITING CONDITIONSOliver Wyman was commissioned by UK Finance to collaboratively prepare a report on AI in the financial sector. The primary audience forthis report includes specialists and senior management from firms, policy makers and regulators.Oliver Wyman and UK Finance shall not have any liability to any third party in respect of this report or any actions taken or decisions madeas a consequence of the results, advice or recommendations set forth herein.This report does not represent formal or legal advice, which can only be provided by legal counsel and for which you should seek advice ofcounsel, and whilst anyone is welcome to use this report, it is entirely at their own risk. The opinions expressed herein represent the viewsof Oliver Wyman and UK Finance, it is strictly for information and has not been approved by a regulatory body. Whilst public informationand industry and statistical data are from sources Oliver Wyman and UK Finance deem to be reliable, Oliver Wyman and UK Finance makeno representation or warranty as to the accuracy or completeness of such information and has accepted the information without furtherverification. Accordingly, Oliver Wyman and UK Finance shall not be responsible or liable for any loss, damages or costs arising from the useof this report. Users of this report should ensure that it is suitable for their use (and that appropriate due diligence has been conducted,including in relation to compliance with relevant laws). Therefore, Oliver Wyman and UK Finance take no responsibility for changes in marketconditions or laws or regulations and no obligation is assumed to revise this report to reflect changes, events or conditions, which occursubsequent to the date hereof. FOREWORDDevelopments in artificial intelligence (AI) have provoked a mixture of excitement and anxietyamong commentators, politicians, policy makers and members of the public. In this report weaim to present a rounded picture.We illuminate some of the ways in which AI in the financial services sector can bring value tobusinesses and to consumers. This includes Generative AI — which has captured the publicimagination this year — and also ‘traditional’ Predictive AI, which hasa more developed position in financial services.We hope to assist industry players, policy makers and other readers in understanding thestate of play in the sector in terms of current uptake and applications, as well as where thetechnology might be utilized in the future. The report also explores what firms are up to interms of analysing, understanding and managing AI risks. Firms are innovating and exploringAI use cases but are doing so carefully, conscious of the risks.The nature of the technology gives rise to novel regulatory and policy challenges, for whichbest practice is yet to emerge. We intend for this report to contribute to this debate. Althoughthere is broad international consensus over many AI risks, different approaches to tackling themare emerging globally. Ultimately, these will be tested over time, acting as a natural experimentand revealing what measures best mitigate risks, and which are most conducive to responsibleinnovation and uptake.UK Finance looks forward to participating actively in this important area of policydevelopment, leveraging the expertise of the sector through its AI Policy Committeeand engaging with the wide range of interested actors within and outside of government.Jana MackintoshManaging DirectorPayments, Innovation and ResilienceUK Finance FOREWORDAI, particularly Generative AI, is transforming industries with its recent breakthroughs, offeringexciting possibilities alongside challenges that demand attention. Oliver Wyman is workingwith a range of our clients on this topic. This resurgence in AI discussions is now a top priorityfor executives — and the impacts on the industry will be profound. These include innovativepropositions, enhanced user experiences, and increased automation to reduce costs andbridgeskills gaps.We are delighted to work with UK Finance to examine the current and future state of AIin the UK financial services sector in this report. Working at the forefront of this topic,in this collaboratively way with the industry would only be possible with the relationshipOliver Wyman has with UK Finance. Drawing on insights from in-depth interviews and asurvey of UK Finance members, we see that more than 90 per cent of which have deployedAI, we highlight the immense opportunities and the steps that the industry has already taken.We also identify key discussion areas for safe AI adoption.The UK is a leader in financial services and renowned for its adoption of technology, whilemanaging to balance safety and innovation in its regulatory ecosystem. The recent AI SafetySummit underlines this leadership. Given the importance of the AI topic, we have worked hardto support UK Finance to set the immediate agenda for financial institutions and regulators to