Financieel dienstverleners staan voor uitdagingen rond AI en cyberweerbaarheid

It reinforces that AI adoption must be governed through clear accountability, model risk controls, explainability, data protection and outsourcing oversight. Cyber resilience remains a board-level priority: firms should test incident response, third-party dependencies and recovery plans against evolving threats. Licensing compliance also warrants review—products, distribution and activities must stay within permissions as business models change.

The report further highlights firms' role in consumers' financial resilience, linking conduct outcomes to vulnerability support and clear communications. For compliance teams, the practical response is to map these themes to existing frameworks (operational resilience, AI governance, outsourcing, conduct risk) and evidence board oversight. No immediate filing or rule change is indicated, but AFM expectations are likely to be reflected in supervision.

Actions: refresh AI inventory and governance; stress-test cyber controls; review licence permissions; strengthen consumer resilience disclosures and support. Firms that act can reduce supervisory risk and use responsible AI and cyber resilience as trust differentiators.