AIにより推定されたラベル
金融サービスにおける生成AI プロンプトリーキング 倫理的ガイドライン遵守
※ こちらのラベルはAIによって自動的に追加されました。そのため、正確でないことがあります。
詳細は文献データベースについてをご覧ください。
Abstract
Generative Artificial Intelligence (GenAI) is rapidly reshaping the global financial landscape, offering unprecedented opportunities to enhance customer engagement, automate complex workflows, and extract actionable insights from vast financial data. This survey provides an overview of GenAI adoption across the financial ecosystem, examining how banks, insurers, asset managers, and fintech startups worldwide are integrating large language models and other generative tools into their operations. From AI-powered virtual assistants and personalized financial advisory to fraud detection and compliance automation, GenAI is driving innovation across functions. However, this transformation comes with significant cybersecurity and ethical risks. We discuss emerging threats such as AI-generated phishing, deepfake-enabled fraud, and adversarial attacks on AI systems, as well as concerns around bias, opacity, and data misuse. The evolving global regulatory landscape is explored in depth, including initiatives by major financial regulators and international efforts to develop risk-based AI governance. Finally, we propose best practices for secure and responsible adoption – including explainability techniques, adversarial testing, auditability, and human oversight. Drawing from academic literature, industry case studies, and policy frameworks, this chapter offers a perspective on how the financial sector can harness GenAI’s transformative potential while navigating the complex risks it introduces.