In the financial services industry, GenA.I. applications have the potential to lead to more curated customer experience, and more efficient ways of processing and utilising digital information. However, the adoption of GenA.I. could also give rise to new risks and challenges. This suggests that amidst accelerated GenA.I. innovation, its adoption requires a critical focus on safety, trust and integrity. In Hong Kong, authorities have begun to update regulatory guidelines and to launch initiatives in support of responsible GenA.I. adoption and innovation.

金融危机十年后，持续已久的阴霾逐渐消散。除《巴塞尔协议III》（Basel III）尚处于最后阶段外，大多数危机后审慎政策均已敲定。

本报告聚焦生成式 AI 在金融服务中的应用，指出其可提升金融机构生产力与运营效率，75% 的香港受访金融机构已实施或探索相关用例，预计 3 - 5 年这一比例升至 87%。不过，模型准确性、数据隐私等成主要风险，且大小机构 adoption 存在差距。全球及香港监管机构正完善框架，未来需加强风险管理、人才培养及多方协作，以推动其负责任应用。