FD-column Laura van Geest: 'Zie AI als klankbord, niet als beslisser bij geldzaken'

Greater access to AI-generated financial information can improve engagement, but inaccurate outputs, overreliance and echo-chamber effects may lead to poor decisions and unclear responsibility. Compliance teams should treat this as an AI governance and customer-outcomes issue: map where AI tools or third-party outputs could be perceived as advice, maintain human oversight and clear disclaimers, test for accuracy and bias, and include AI-related consumer harm in conduct-risk monitoring. Firms should also consider financial-literacy messaging and staff training so customers understand the limits of AI.

No immediate rule change is indicated, but firms using robo-advice, chatbots, comparison tools or AI-enabled support should review controls before scaling. The opportunity is to use AI responsibly for education, triage and support while preserving trust through human verification and transparent guardrails.