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1、In partnership withThe 2026 Global AI in Financial Services ReportAdoption,impact and risksApril 2026In collaboration withWith the support ofSuggested CitationThe 2026 Global AI in Financial Services Report:Adoption,impact and risks,Cambridge Centre for Alternative Finance,University of Cambridge Fo

2、reword 4 Research Team and Acknowledgements 5 Executive Summary 6 Introduction and Approach 11 Survey design 13 Data analysis and limitations 14 Survey demographics 16Chapter 1:Overview of Adoption of AI in Financial Services 20 Partner perspectives:The IMF Macroeconomic impacts of AI adoption 30Cha

3、pter 2:Industry AI Adoption 31 The landscape of AI use cases across the financial services industry 33 Partner perspectives:The AMF AI adoption and implications in the Arab world 39Chapter 3:Technology and Investment Dynamics 41 An AI investment divide 42Chapter 4:AI Vendor Trends 49 Cloud and found

4、ation model providers 53 Partner perspectives:BIS The AI supply and value chains 60Chapter 5:Measuring Value and Adoption Challenges 62 The Value of AI 63 Partner perspectives:WEF Demonstrated value and barriers to scaling 73 Challenges 74 Partner perspectives:CGAP Data quality scaling constraints 7

5、6Chapter 6:Risks 80 Partner perspectives:CGAP AIs impact on consumer protection 89 Partner perspectives:BIS AI explainability with Project Noor 92Chapter 7:Regulation and Use of AI by Regulators 97 AI regulation and policy developments 98 Use of AI within regulators 109 Partner perspectives:IDB AI f

6、or supervision in Latin America 110 Summary of report to G20 South Africa by World Bank 117Chapter 8:AI in 2030 121 Concluding thoughts 128 Appendix 130 Some of the logos of participating institutions 130 Logos of association partners 131 List of financial authorities that participated in the survey