国际清算银行：2024年金融领域中的人工智能监管报告：近期发展与主要挑战（英文版）

Financial institutions have been using artificial intelligence (AI) for many years. Three AI use cases are worth highlighting: customer support chatbots; fraud detection, including for purposes of anti-money laundering and combating the financing of terrorism (AML/CFT); and credit and insurance underwriting. Use of AI for chatbots and fraud detection is not new, but the technology has significantly improved in recent years. In terms of credit and insurance underwriting, financial institutions