全球监管者警告说,尽管面临持续的挑战,随着各国推动将AI用于金融业,银行业将面临AI风险。 Global regulators warn of AI risks in banking as nations advance AI use in finance despite ongoing challenges.

全球金融监管者正在努力跟上银行业采用人工智能的步伐,金融稳定委员会警告说,由于模式不透明、数据偏差和第三方依赖性,存在系统性风险。 Global financial regulators are struggling to keep pace with AI adoption in banking, with the Financial Stability Board warning of systemic risks from model opacity, data bias, and third-party dependencies. 与此同时,印度、德国、西班牙、加拿大、法国、英国和尼日利亚的银行和芬特克公司正在部署AI公司,负责信用评分、欺诈检测、个性化服务和业务效率。 Meanwhile, banks and fintechs in India, Germany, Spain, Canada, France, the UK, and Nigeria are deploying AI for credit scoring, fraud detection, personalized services, and operational efficiency. 美国看到AI驱动的结账系统和零售数字化,而孟买的GFF 2025强调AI驱动的UPI创新和普惠金融。 The U.S. sees AI-driven checkout systems and retail digitization, while the GFF 2025 in Mumbai highlighted AI-powered UPI innovations and inclusive finance. 尽管在金融科技和零售业中人工智能增长有很强的预测,但数据隐私,实施成本和监管不一致等挑战仍然存在. Despite strong growth projections for AI in fintech and retail, challenges like data privacy, implementation costs, and inconsistent oversight persist.