Study: “Artificial intelligence, markets and financial stability”

The image accompanying the News on the meeting dedicated to "Artificial intelligence, markets and financial stability" it portrays a man consulting his laptop in front of a technological wall with data, graphs and histograms

The impact of the use of artificial intelligence (AI) on financial markets was explored at the event "Artificial Intelligence, Markets and Financial Stability” organised by LUISS University in partnership with Intesa Sanpaolo's IMI Corporate & Investment Banking Division.

Artificial intelligence can play a key role in improving a company's performance.

For example, Intesa Sanpaolo expects an additional contribution of about €500 mln to the Group's 2025 gross income through innovative initiatives comprising artificial intelligence.

Intesa Sanpaolo is deploying AI through the development of use cases that foster:

  • Improved commercial effectiveness
  • Strengthened risk management
  • Cybersecurity
  • Operational efficiency
  • ESG – to manage energy consumption in offices, for example.

Furthermore, Intesa Sanpaolo is the first European bank to use artificial intelligence for regulatory analysis thanks to the Italian start-up Aptus.AI.

To ensure that artificial intelligence is always used transparently and safely, including in communication with stakeholders, the Group has adopted principles that underpin its AI solutions:

  • Explainability: to build models that are explainable to users
  • Fairness: to ensure that its code of ethics is respected in AI models
  • Data quality: to ascertain the quality and reliability of response outputs.
  • Human in the loop: to ensure that it is always a human being who supervises or controls the decisions made with AI models.

Intesa Sanpaolo is also committed to collaborating with institutions in the academic world to stimulate research in technology and improve the education of new generations.

The Group's action is also intended to have a positive impact on the economic growth potential of the country , which is already heavily invested in technological innovation and green transition..

All this becomes even more important in an environment in which new technologies such as artificial intelligence are increasingly influencing and directing choices in business and beyond.

In the European Union...

  • Last March, the European Parliament passed the AI Act, the first regulation in the world governing the use of this technology.

...in the world:

  • For the first time in history, the top ten US-listed big tech companies make up more than 30% of the S&P500 index and, unlike in previous bubbles, also account for 25% of the profits generated by the index.
  • In the US, 70% of financial market orders are placed through the use of AI.