保险中的人工智能革命:桥梁研究和现实
Sukriti Bhattacharya1, German Castignani1, Leandro Masello2
1Human-Centered AI, Data and Software (HANDS), Luxembough Institute of Science and Technology, Maison de l'innovation, Esch-sur-Alzette, Luxembourg.
Frontiers in artificial intelligence
|April 24, 2025
概括
本综述探讨了人工智能 (AI) 在汽车,健康和财产保险中的应用. 它确定了数据质量和道德AI使用等挑战,突出了研究差距和未来的创新机会.
科学领域:
- 保险技术 保险技术 保险技术
- 人工智能应用程序 人工智能应用程序
- 风险管理 风险管理
背景情况:
- 保险行业越来越多地采用人工智能 (AI) 来增强运营.
- 关键行业包括汽车,健康和财产保险,每个行业都有独特的应用场景.
- 系统审查对于理解当前的AI整合和未来的潜力至关重要.
研究的目的:
- 在主要保险领域全面审查人工智能应用.
- 确定保险行业内人工智能实施的挑战和研究缺口.
- 为利益相关者提供关于人工智能采用和降低风险的指导.
主要方法:
- 一个系统的文献审查,遵循PRISMA指南.
- 分析最近的学术研究和当前的行业实践.
- 对理论AI进步和现实保险实施的比较研究.
主要成果:
- 人工智能应用在汽车,健康和财产保险中是多样化的.
- 关键的挑战包括数据质量,监管合规性,道德考虑,以及需要可解释的人工智能.
- 在学术发现和行业采用之间存在显著的研究差距.
结论:
- 人工智能为保险业的效率和创新提供了巨大的潜力.
- 解决已识别的挑战对于负责任的AI部署至关重要.
- 需要进一步的研究和合作,以弥合人工智能潜力和实际应用之间的差距.
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