英文【UK Finance埃森哲】2025年金融服务领域生成式AI应用实践：机遇与风险管理研究报告（英文版）

Generative AI in Action: Opportunities & Risk Management in Financial ServicesJanuary 2025In collaboration with: This report has been jointly authored by UK Finance and Accenture, sponsored by the UK Finance AI Policy Committee.Primary authors (alphabetically by surname): • Sapan Dogra (Accenture)• Michael Erras (Accenture)• Callum Farrell-Morris (Accenture)• Peter Hairs (Accenture)• Carsten Maple (Alan Turing Institute)• Walter McCahon (UK Finance)• Tom Niven (Accenture)• Bella Thornely (Accenture)• Luma Zitani (Accenture)Contributors and reviewers (alphabetically by surname): • Heather Adams (Accenture)• Claire Aldworth (Accenture)• Molly Bloore (UK Finance)• Liam Carlisle (Accenture)• Ray Eitel-Porter (Accenture)• Suhail Kapoor (Accenture)• Anna Kharchenkova (Accenture)• Ed Knight (Accenture)• Chris Lane (Accenture)• Joe Lovatt (Accenture)• Adam Markson (Accenture)• Phillip Mind (UK Finance)• Jason O’Brien (Accenture)• Lukasz Szpruch (Alan Turing Institute)• Kuangyi Wei (Accenture)• Mark Welsh (Accenture)• Jen Wilson (Accenture)UK Finance Limited | Generative AI in Action: Opportunities & Risk Management in Financial Services201 Report overview 4Foreword: UK Finance 5Foreword: Accenture 6Executive Summary 702 Today’s generative AI landscape across financial services 12Current adoption and near-term trends 13Sub-components of a generative AI solution 17Prevalent use cases in financial services 19Overview of generative AI related risks 21Regulatory landscape 2503 Generative AI case studies 28Case study one: Customer complaints agent 30Case study two: Know Your Customer 34Case study three: Software development lifecycle 3804 Key risks and mitigation approaches 42Risk topic one: Reliability of outputs 43Risk topic two: Data privacy and security 47Risk topic three: Third-party considerations 5005 Conclusions and outlook 5306 References 55UK Finance Limited | Generative AI in Action: Opportunities & Risk Management in Financial Services3ContentsReport overview 01UK Finance Limited | Generative AI in Action: Opportunities & Risk Management in Financial Services4Yet the financial sector has a long history of responsible innovation. Its recent adoption of cloud technology stands as testament to how firms can successfully understand and manage risk when embracing new technologies. And the experiences so far with generative AI indicates that this continues to be the case. This report shows that firms are innovating and expanding their use cases beyond chatbots, finding practical applications across different functions. They’re also doing so prudently – expanding their use of the technology in step with improvements to their technical understanding and enhancements to risk management frameworks. Rather than considering hypothetical use cases that may arise at some point in the future, this report is focused on the near-term. It is intended to illuminate how generative AI is being used in production currently or will likely be used in the near futu