AI Innovation in Financial Services
作者：微信文章This paper discusses the increasing use of artificial intelligence (AI) in financial services, particularly in emerging markets. AI is being adopted to analyze diverse data sources, which helps in areas like assessing creditworthiness for those without traditional financial histories and improving risk management against threats like fraud. Furthermore, AI supports process automation through tools like chatbots, which can lower the cost of providing services and potentially expand access to more customers. While these developments offer significant opportunities for financial inclusion, the paper also highlights important risks such as potential algorithmic bias, privacy concerns, and the need for a competitive market to prevent monopolies. Ultimately, responsible AI adoption, supported by appropriate infrastructure and regulatory frameworks, is crucial for maximizing the benefits of this technology in the financial sector.
https://www.ifc.org/content/dam/ifc/doc/mgrt/emcompass-note-85-ai-innovation-in-financial-services.pdf
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