科孚（CRIF）：2025金融市场中的生成式AI：数字化转型新前沿研究报告（英文版）（25页）.pdf

1、GENERATIVE AI IN THE FINANCE MARKET:The new frontier in digital transformation.n 01 I Insidenside G GenenAIAIExecutive summaryIn recent years,developments in generative artificial intelligence(GenAI)have had a huge impact on both our personal and professional lives.GENERATIVE AI,WHICH INCLUDES SYSTE

2、MS THAT INTERACT WITH TEXT,IMAGES,AND AUDIO,IS REDEFINING HOW BUSINESSES ENGAGE WITH CUSTOMERS,MANAGE RISKS,AND OPTIMIZE OPERATIONS.InsideInside G GenenAIAIInsideInside G GenenAIAI3Many industries have already started to experiment with these new technologies,integrating activities into their proces

3、ses supported by platforms using generative AI.Due to the nature of their business and their long-standing propensity for digitalization,banks and insurance companies were among the first sectors to begin exploring these new technologies across various areas of their operations.The current applicati

4、ons of generative AI in banking and insurance demonstrate how this technology will not only improve operational efficiency,but also deliver unprecedented customization of financial services.A number of studies have shown that adopting generative AI can significantly reduce operating costs by automat

5、ing processes that traditionally require significant human effort,such as document checks and claims assessments.A 2024 study by Gartner,while scaling back earlier estimates,states that the adoption of generative AI has“passed the Peak of Inflated Expectations”according to Gartners Hype Cycle.It has

6、 been shown that generative AI is starting to achieve measurable gains in early applications in the order of a 14%increase in productivity in operational functions(such as call centers),up to peaks of 34%when generative AI is used to support low-skilled operators.In particular,generative AI linguist