Intervento di Giuseppe Siani al workshop "Credito 2026: tra nuovi processi, AI e regolamentazione europea"

While no new rules were announced, the speech signals continued supervisory focus on how technological advancements are reshaping lending practices. For compliance teams, this underscores the need to stay ahead of evolving EU regulatory expectations regarding AI governance, model risk management, and consumer protection. Firms should assess their use of AI in credit decision-making, ensure robust documentation and explainability, and monitor Bank of Italy communications for further guidance.

The emphasis on innovation suggests opportunities for institutions that can responsibly integrate AI to enhance efficiency and customer experience, but also highlights the risk of supervisory scrutiny if controls are inadequate. Proactive engagement with regulators and investment in compliance infrastructure will be key to navigating this landscape.