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Asian Financial Forum 2024 Joint HKTDC and PwC Survey
2024年度亚洲金融论坛香港贸易发展局与普华永道联合调研
AI and the Future of Financial Services
AI赋能未来金融服务
 
All fields marked with an asterisk (*) are required 标有「*」的项目是必须填写的
Part 1 – 1. Hong Kong’s AI competencies in delivering financial services.
第一部分 – 香港在AI提供金融服务方面的表现

Q1. What is your perceived degree of AI integration in the following areas of financial services in Hong Kong? (Select one option per row).
您认为香港在以下金融服务领域的AI整合程度如何？（请在每行点选一个选项） *Required
Space Cell Fully integrated
完全整合		Partially integrated
部分整合		No integration but will probably develop in the future
没有整合，未来有望取得进展		No integration and will probably not develop in the future
没有整合，未来可能无进展
Private/retail banking
私人/零售银行
Personalised financial products and recommendations
个性化金融产品和推荐
Virtual assistant/chatbots
虚拟助理/聊天机器人
Cybersecurity
网络安全
Biometric authentication/KYC/AML/CTF
生物识别认证/KYC/AML/CTF
Credit Rating/scoring
信用评级/评分
Portfolio management
投资组合管理
Securities trading
证券交易
FX
外汇
Virtual assets/VATP
虚拟资产/VATP
Compliance
合规
Cross-border money transfers
跨境汇款
Claims processing
索赔处理
Fraud detection
欺诈检测
Other applications
其他应用场景
Q2. To what extent has the use of AI improved the overall efficiency, both in terms of costs and customer satisfaction, in the aforesaid areas? (Select one option per row)
就成本和客户满意度两个方面而言，AI的采用在多大程度上提升了上述领域的整体效率？（请在每行点选一个选项） *Required
Space Cell Greatly improved
很大程度上提升		Moderately improved
一定程度上提升		Slightly improvede
略微提升		No improvement
没有提升
Private/retail banking
私人/零售银行
Personalised financial products and recommendations
个性化金融产品和推荐
Virtual assistant/chatbots
虚拟助理/聊天机器人
Cybersecurity
网络安全
Biometric authentication/KYC/AML/CTF
生物识别认证/KYC/AML/CTF
Credit Rating/scoring
信用评级/评分
Portfolio management
投资组合管理
Securities trading
证券交易
FX
外汇
Virtual assets/VATP
虚拟资产/VATP
Compliance
合规
Cross-border money transfers
跨境汇款
Claims processing
索赔处理
Fraud detection
欺诈检测
Other applications
其他应用场景
Q3. How would you perceive Hong Kong’s current status in the development and application of AI in the financial service industry? (Select only one option)
就AI在金融服务业的发展和应用而言，您认为香港当前进展如何？（请选择一项） *Required
Part 2 – Challenges in AI implementation
第二部分 – 采用AI所面临的挑战
 
Q4. Considering both demand and supply side factors, what are the main risks, challenges, and barriers to further implement AI in the financial service industry? (Select all that apply)
考虑到供需双方的因素，在金融服务业进一步采用AI所面临的主要风险、挑战和障碍是什么？（请选择所有适用的选项） *Required
  • * Required
Q5a. How are these challenges and risks being addressed in Hong Kong? (Select one option per row)
香港在多大程度上充分应对了这些挑战和风险？（请在每行点选一个选项） *Required
Space Cell Adequately addressed
充分应对		Insufficiently addressed
未充分应对		Not addressed
没有应对
Cybersecurity and data privacy
网络安全和数据隐私
Data availability and quality
数据可用性和质量
Regulatory compliance
监管合规
Skill gap in the workforce
劳动力技能差距
Accuracy and reliability of AI-generated outputs
AI生成物的准确性和可靠性
Ethical reasons
伦理原因
IT implementation
IT实施
Stakeholder and customer trust/explainability
利益相关者和客户的信任/可解释性
Operational failure
操作故障
Potential threats to financial stability
对金融稳定的潜在威胁
Q5b. How are these challenges and risks being addressed globally? (Select one option per row)
全球在多大程度上充分应对了这些挑战和风险？（请在每行点选一个选项） *Required
Space Cell Adequately addressed
充分应对		Insufficiently addressed
未充分应对		Not addressed
没有应对
Cybersecurity and data privacy
网络安全和数据隐私
Data availability and quality
数据可用性和质量
Regulatory compliance
监管合规
Skill gap in the workforce
劳动力技能差距
Accuracy and reliability of AI-generated outputs
AI生成物的准确性和可靠性
Ethical reasons
伦理原因
IT implementation
IT实施
Stakeholder and customer trust/explainability
利益相关者和客户的信任/可解释性
Operational failure
操作故障
Potential threats to financial stability
对金融稳定的潜在威胁
Part 3 – Opportunities in AI implementation
第三部分 – 运用AI的机遇
 
Q6. Considering both supply and demand side factors, what are the major opportunities arising from the further implementation of AI in the financial service industry? (Select all that apply)
考虑到供需双方的因素，AI在金融服务业的进一步运用带来了哪些重要机遇？（请选择所有适用的选项） *Required
  • * Required
Part 4 – Regulatory Environment in Hong Kong
第四部分 – 香港的监管环境
 
Q7. To what degree do the current regulations in Hong Kong impact the use of AI in the financial service industry? (Select only one option)
香港的现行法律法规对于金融服务业采用AI造成了多大的影响？（请选择一项） *Required
Q8. What changes to the regulatory environment would you agree are necessary to strike a balance between innovation and risk while facilitating AI development in the financial service industry? (Select one option per row)
在促进金融服务业AI发展的同时，为了在创新和风险之间取得平衡，你认为有必要对监管环境进行哪些改变？（请在每行点选一个选项） *Required
Space Cell Strongly agree
强烈同意		Agree
同意		Neutral
中立		Disagree
反对		Strongly disagree
强烈反对
Robust data governance framework (e.g. disclosure of and content for financial data collected by AI)
稳健的数据治理框架（例如AI收集的财务数据的披露和内容）
Collaboration with other jurisdictions in setting harmonised standards and best practices
与其他司法管辖区合作制定统一标准和最佳实践
Develop a designated regulatory framework for responsible AI use
为负责任的AI使用制定指定的监管框架
Increased cybersecurity requirements
更高的网络安全要求
Update existing laws (e.g. in the domain of copyrights, data privacy, asset ownership) to address future AI implications
更新现有的法律法规（例如版权、数据隐私、资产所有权领域），以应对未来AI的影响
Fairness and ethics scrutiny on AI usage
AI使用的公平性和伦理审查
Transparency and clarity of guidelines and standards concerning compliance on data, algorithms, and AI tool usage
关于数据、算法和AI工具使用合规的指导方针与标准的透明度和明确性
Mandatory human supervision requirements
强制性人工监督要求
Regulatory sandboxes for testing and deploying AI technologies
用于测试和部署AI技术的监管沙盒
Other regulations
其他法律法规
Q9. How effectively is Hong Kong keeping its regulations up to date to facilitate the adoption of AI in its financial service industry? (Please drag the scrollbar thumb and select a value between 1 and 10 with 1 indicating “not effective at all” and 10 indicating “extremely effective”)
在保持法规与时俱进，从而促进金融服务业采用AI这个方面，香港的成效如何？（请拖动滑块，从1到10 选一个数值；1代表几乎没效，10代表非常有效） *Required
1
10
Part 5 – Future developments of AI in the financial service industry in Hong Kong and worldwide
第五部分 – AI在香港及全球金融服务业的未来发展
 
Q10. What are the most promising areas of AI development for the financial service industry in the coming 3-5 years in Hong Kong and globally? (Select all that apply)
未来3-5年，AI在香港和全球金融服务业的最有前景的发展领域是什么？ （请选择所有适用的选项） *Required
  • * Required
Q11. To what extent would you agree Hong Kong is ready or future-proofed for further adoption of AI in the financial service sector for the following categories? (Select one option per row)
您在多大程度上同意香港已准备好或未来将准备好在以下方面进一步推进AI在金融服务业中的运用？（请在每行点选一个选项） *Required
Space Cell Strongly agree
强烈同意		Agree
同意		Neutral
中立		Disagree
反对		Strongly disagree
强烈反对
Infrastructure development – Hardware
基础设施开发-硬件
Infrastructure development – Software
基础设施开发-软件
Investor awareness and acceptance
投资者意识和接受度
Workforce availability and readiness
劳动力的可用性和准备程度
Regulatory environment
监管环境
Research capabilities
研究能力
I&T penetration rate
创新科技渗透率
Data utilisation and sharing
数据利用和共享
Access to capital for investing in AI projects
获得投资AI项目的资金
Government support (e.g. tax incentives, subsidies, and education programmes)
政府支持（如税收优惠、补贴和教育计划）
Q12. How can Hong Kong leverage its status as an international financial centre and advanced I&T hub to drive innovation in AI for the financial service industry? (Select all that apply)
香港可以如何利用其国际金融中心和创新科技中心的地位，推动金融服务业的AI创新？（请选择所有适用的选项） *Required
  • * Required
Demographic questions
调研对象概况
 
How do you best identify your role in your organisation? (Select one option only)
您如何定义自己在贵组织中的角色？（请选择一项） *Required
What is the main line of financial services of your organization? (Select one option only)
贵组织主要的金融服务业务线是什么？（请选择一项） *Required
What is your organisation size? (Select one option only)
贵公司的规模如何？（请选择一项） *Required
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