Artificial intelligence in the financial system: implications and progress from a central bank perspective

The adoption of the Artificial Intelligence Act by the European Union, together with the emergence of large language models (LLMs) based on foundation models, or, more generally, of generative artificial intelligence (GenAI), has attracted renewed interest, within and beyond the financial sector, in...

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Detalles Bibliográficos
Autores: Marqués, José Manuel, Gorjón, Sergio, Balsategui, Iván
Tipo de recurso: artículo
Fecha de publicación:2024
País:España
Institución:Banco de España
Repositorio:Repositorio Institucional del Banco de España
OAI Identifier:oai:repositorio.bde.es:123456789/38942
Acceso en línea:https://repositorio.bde.es/handle/123456789/38942
Access Level:acceso abierto
Palabra clave:Inteligencia artificial
Modelo extenso de lenguaje
Riesgos financieros
Regulación y supervisión de instituciones financieras
Generative artificial intelligence
Foundation models
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spelling Artificial intelligence in the financial system: implications and progress from a central bank perspectiveMarqués, José ManuelGorjón, SergioBalsategui, IvánInteligencia artificialModelo extenso de lenguajeRiesgos financierosRegulación y supervisión de instituciones financierasGenerative artificial intelligenceFoundation modelsThe adoption of the Artificial Intelligence Act by the European Union, together with the emergence of large language models (LLMs) based on foundation models, or, more generally, of generative artificial intelligence (GenAI), has attracted renewed interest, within and beyond the financial sector, in the opportunities and limitations of this technology as a driver of change in society. This article aims to provide the context for recent developments and put them into perspective, identify possible road maps within the financial system and also set out what could hold back or spur progress in the medium and long term.Banco de EspañaMadrid2024info:eu-repo/semantics/articleapplication/pdfhttps://repositorio.bde.es/handle/123456789/38942reponame:Repositorio Institucional del Banco de Españainstname:Banco de EspañaEspañolFinancial Stability Review / Banco de España, 47 (Autumn 2024), 5-28 p.Versión en español 123456789/38235info:eu-repo/semantics/openAccessoai:repositorio.bde.es:123456789/389422026-06-20T12:44:27Z
dc.title.none.fl_str_mv Artificial intelligence in the financial system: implications and progress from a central bank perspective
title Artificial intelligence in the financial system: implications and progress from a central bank perspective
spellingShingle Artificial intelligence in the financial system: implications and progress from a central bank perspective
Marqués, José Manuel
Inteligencia artificial
Modelo extenso de lenguaje
Riesgos financieros
Regulación y supervisión de instituciones financieras
Generative artificial intelligence
Foundation models
title_short Artificial intelligence in the financial system: implications and progress from a central bank perspective
title_full Artificial intelligence in the financial system: implications and progress from a central bank perspective
title_fullStr Artificial intelligence in the financial system: implications and progress from a central bank perspective
title_full_unstemmed Artificial intelligence in the financial system: implications and progress from a central bank perspective
title_sort Artificial intelligence in the financial system: implications and progress from a central bank perspective
dc.creator.none.fl_str_mv Marqués, José Manuel
Gorjón, Sergio
Balsategui, Iván
author Marqués, José Manuel
author_facet Marqués, José Manuel
Gorjón, Sergio
Balsategui, Iván
author_role author
author2 Gorjón, Sergio
Balsategui, Iván
author2_role author
author
dc.subject.none.fl_str_mv Inteligencia artificial
Modelo extenso de lenguaje
Riesgos financieros
Regulación y supervisión de instituciones financieras
Generative artificial intelligence
Foundation models
topic Inteligencia artificial
Modelo extenso de lenguaje
Riesgos financieros
Regulación y supervisión de instituciones financieras
Generative artificial intelligence
Foundation models
description The adoption of the Artificial Intelligence Act by the European Union, together with the emergence of large language models (LLMs) based on foundation models, or, more generally, of generative artificial intelligence (GenAI), has attracted renewed interest, within and beyond the financial sector, in the opportunities and limitations of this technology as a driver of change in society. This article aims to provide the context for recent developments and put them into perspective, identify possible road maps within the financial system and also set out what could hold back or spur progress in the medium and long term.
publishDate 2024
dc.date.none.fl_str_mv 2024
dc.type.none.fl_str_mv info:eu-repo/semantics/article
format article
dc.identifier.none.fl_str_mv https://repositorio.bde.es/handle/123456789/38942
url https://repositorio.bde.es/handle/123456789/38942
dc.language.none.fl_str_mv Español
language_invalid_str_mv Español
dc.relation.none.fl_str_mv Financial Stability Review / Banco de España, 47 (Autumn 2024), 5-28 p.
Versión en español 123456789/38235
dc.rights.none.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Banco de España
Madrid
publisher.none.fl_str_mv Banco de España
Madrid
dc.source.none.fl_str_mv reponame:Repositorio Institucional del Banco de España
instname:Banco de España
instname_str Banco de España
reponame_str Repositorio Institucional del Banco de España
collection Repositorio Institucional del Banco de España
repository.name.fl_str_mv
repository.mail.fl_str_mv
_version_ 1869423303588839424
score 15,811543

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