AI助力非洲保险业变革，推动普惠金融发展
LLMs and Agentic AI in Insurance Decision-Making: Opportunities and Challenges For Africa
- 结合大语言模型与智能体AI优化保险决策流程
- 揭示非洲市场现存短板并提出本地化解决方案
- 呼吁多方协作构建非洲人主导的AI保险体系
本文探讨人工智能（特别是大语言模型和智能体AI）在保险领域的变革潜力。随着性能提升、开源资源增多、部署成本下降及模型框架日益复杂，我们聚焦非洲保险市场的独特机遇与挑战，识别关键缺口，强调本土实践、主要参与者及合作机会。最后呼吁精算师、保险公司、监管机构与科技领袖共同推进包容性、可持续且公平的AI战略，确保解决方案由非洲人设计、为非洲人服务。
原文摘要 · Abstract (English)
In this work, we highlight the transformative potential of Artificial Intelligence (AI), particularly Large Language Models (LLMs) and agentic AI, in the insurance sector. We consider and emphasize the unique opportunities, challenges, and potential pathways in insurance amid rapid performance improvements, increased open-source access, decreasing deployment costs, and the complexity of LLM or agentic AI frameworks. To bring it closer to home, we identify critical gaps in the African insurance market and highlight key local efforts, players, and partnership opportunities. Finally, we call upon actuaries, insurers, regulators, and tech leaders to a collaborative effort aimed at creating inclusive, sustainable, and equitable AI strategies and solutions: by and for Africans.
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