人工智能时代对金融服务业就业的影响：爱尔兰视角

Understanding the Impact ofArtificial Intelligence onFinancial Services Employmentin Ireland A C C O U N T I N G F O RWORKERSIN THE AGE OF AI:Understanding the Impact of Artificial Intelligence onFinancial Services Employmentin Ireland TABLE OF CONTENTS Figures and Tables.....................................................................................................................................5Executive Summary...................................................................................................................................6AI Exposure in the Financial Services Sector.................................................................................6Changing Workplace Environments.................................................................................................6Opportunities for Resilience and Growth......................................................................................6Surveying Worker Sentiment............................................................................................................6Key Survey Findings...........................................................................................................................7Paths Forward........................................................................................................................................7Private Sector Policy Recommendations.....................................................................................7Public Sector Recommendations...................................................................................................7 3.1.1 Competitive Advantages of Ireland......................................................................................93.1.2 Government and Industry Initiatives related to Finance.............................................103.1.2 Key Government Initiatives Related to AI........................................................................10 4.1 Technological Overview..............................................................................................................134.1.1 The Evolution of AI in Financial Services..........................................................................14 4.1.2 Key AI Technologies Impacting Financial Services.........................................................144.1.3 GenAI as an emerging disruptor.........................................................................................154.1.3 ChatGPT in the Financial Services Workplace.................................................................15 4.2 Key AI Use Cases in Financial Services...................................................................................174.2.1 Credit Underwriting...............................................................................................................18 4.2.2 Chatbots and Customer Service.........................................................................................184.2.3 Fraud Monitoring...................................................................................................................194.2.4 Asset Management................................................................................................................194.2.5 Predicting Financial Crises..................................................................................................19 4.3.1 Job Displacement...................................................................................................................204.3.2 Skills Gaps...............................................................................................................................204.3.3 Managerial Oversight and Surveillance............................................................................214.3.4 Ethical and Bias Concerns....................................................................................................214.3.5 Customer Comfort..................................................................................................................214.4.1 Increased Productivity..........................................................................................................224.4.2 Workplace Inclusion.............................................................................................................22 5. Workforce Disruption in Financial Services...................................................................................235.1 AI as a Labour Market Disruptor...............................................................................................235.1.1 The concept of job exposure vs. complementarity........................................................235.1.2 The scale of AI disruption in Ireland.................................................................................24 5.2 Financial Services Employment Outlook................................................................................265.2.1 Forecasting Affect