金杜律师事务所：2025人工智能（AI）对澳大利亚金融行业的影响研究报告（英文版）（56页）.pdf

1、1Lusha by Stephanie Laine T H E I M P A C T O F A R T I F I C I A L I N T E L L I G E N C E O N T H E A U S T R A L I A N F I N A N C E I N D U S T R YReport for the Australian Finance Industry Association|May 20252REPORT ON THE IMPACT OF AI ON THE AUSTRALIAN FINANCE INDUSTRY2C O N T E N T SREPORT O

2、N THE IMPACT OF AI ON THE AUSTRALIAN FINANCE INDUSTRY1.EXECUTIVE SUMMARY32.BACKGROUND AND CONTEXT43.CURRENT USE OF AI IN THE AUSTRALIAN FINANCE INDUSTRY6 4.ECONOMIC IMPACT OF THE ADOPTION OF GENERATIVE AI IN THE AUSTRALIAN FINANCE INDUSTRY145.WHILE GENERATIVE AI HAS BENEFITS,IT CARRIES RISKS206.THE

3、AUSTRALIAN AI POLICY AND REGULATORY LANDSCAPE28ANNEXURE 1:ABBREVIATION AND GLOSSARY34ANNEXURE 2:WHAT IS AI36ANNEXURE 3:REVIEW METHODOLOGY38ANNEXURE 4:FURTHER DETAIL42ANNEXURE 5:INTERNATIONAL COMPARISON46ANNEXURE 6:AUSTRALIAN LEGISLATION AND REGULATION THAT LIKELY APPLIES TO GENERATIVE AI IN FINANCIA

4、L SERVICES523In 2024,the Australian Finance Industry Association(AFIA)commissioned King&Wood Mallesons(KWM)and Sapere to research the impact of artificial intelligence(AI)on the Australian Finance Industry.Participants in the research included banks,non-bank lenders,finance companies,fintechs,provid

5、ers of vehicle and equipment finance,car rental and fleet providers,as well as service providers that provide technology or AI powered services.Much of the Australian finance industry has already embraced specific forms of AI.Narrow AI1(being AI that typically provides a point solution for a particu

6、lar use case,such as decision-making based on predetermined algorithms and rules)has been long used in the finance industry,in many cases over decades,for various use cases that include operations,servicing,and risk management.With the increased adoption of Generative AI(being AI that generates new