HKIMR：2025年GenA.I.新时代：促进金融服务负责任地应用人工智能报告（英文版）（77页）.pdf

1、April 2025Hong Kong Institute for Monetary and Financial ResearchHKIMR Applied Research Report No.1/2025Financial Services in the Era of Generative AIFacilitating Responsible AdoptionContentsPagesForeword2Acknowledgements3Executive Summary4Chapter 1Generative Artificial Intelligence:An Overview6Evol

2、ution,key technical breakthroughs,and implications for the financial services industryChapter 2Implications for Financial Services Industry Risk Management and Talent Strategies18The importance of risk management and talentChapter 3Insights from Market Participants in Hong Kong31GenA.I.adoption in t

3、he financial services industryChapter 4The Role of Regulation45The international and local experienceChapter 5Considerations For Fostering Responsible GenA.I.adoption in Hong Kong55The scope for further facilitation and cooperationConclusions63Appendix A:Background of the GenA.I.Survey64Appendix B:G

4、lossary of Technical Terms66Appendix C:References702Financial Services in the Era of Generative AIForewordGenerative Artificial Intelligence(GenA.I.),a rapidly evolving technology in its early stages of development and adoption,represents the latest evolution in Artificial Intelligence(AI).Globally

5、and in Hong Kong,financial institutions are swiftly exploring GenA.I.s capabilities,with many promising use cases emerging.In the financial services industry,GenA.I.applications have the potential to lead to more curated customer experience,and more efficient ways of processing and utilising digital

6、 information.However,the adoption of GenA.I.could also give rise to new risks and challenges.This suggests that amidst accelerated GenA.I.innovation,its adoption requires a critical focus on safety,trust and integrity.In Hong Kong,authorities have begun to update regulatory guidelines and to launch