{"id":2123,"date":"2024-08-08T09:00:00","date_gmt":"2024-08-08T09:00:00","guid":{"rendered":"https:\/\/www.teagueins.com\/?p=2012"},"modified":"2024-08-08T09:00:00","modified_gmt":"2024-08-08T09:00:00","slug":"how-ai-will-change-the-risk-landscape","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2024\/08\/08\/how-ai-will-change-the-risk-landscape\/","title":{"rendered":"C\u00f3mo la IA cambiar\u00e1 el panorama de riesgos"},"content":{"rendered":"

Un nuevo informe de Swiss Re (\u201cCambios tecnol\u00f3gicos: C\u00f3mo la IA podr\u00eda cambiar el panorama de riesgos de la industria\u201d) analiza el riesgo que la IA representa para diez importantes industrias. Tambi\u00e9n identifica las oportunidades para que las aseguradoras ayuden a sus clientes a mitigar estos riesgos.<\/strong><\/h3>\n\n\n\n

Una estimaci\u00f3n sugiere que la IA generativa, una subrama de la IA, podr\u00eda aportar por s\u00ed sola entre 2,6 y 4,4 billones de d\u00f3lares anuales a la econom\u00eda mundial. Sin embargo, el informe se\u00f1ala que la IA no se diferencia de otras tecnolog\u00edas: puede fallar. 

Podr\u00eda fallar en los par\u00e1metros de rendimiento; podr\u00eda perpetuar inadvertidamente la discriminaci\u00f3n; podr\u00eda ser objeto de ataques maliciosos; o tal vez causar da\u00f1os reales. Dondequiera que haya oportunidades \u2014y las oportunidades son enormes\u2014, habr\u00e1 riesgos. 

El informe clasifica diez industrias principales en t\u00e9rminos de exposici\u00f3n al riesgo de IA, tanto a corto como a largo plazo. Bas\u00e1ndose en datos y ejemplos anecd\u00f3ticos, estos son sectores donde el riesgo de IA est\u00e1 m\u00e1s concentrado actualmente, tanto por frecuencia como por gravedad; y donde podr\u00eda volverse m\u00e1s frecuente con el tiempo. A continuaci\u00f3n, se presentan algunos puntos destacados:

Tecnolog\u00eda:<\/strong> Este sector no deber\u00eda sorprender a nadie dado su papel como desarrollador de sistemas de IA. 

Energ\u00eda y servicios p\u00fablicos:<\/strong> El riesgo en este caso deber\u00eda ser relativamente bajo, aunque es probable que cualquier incidente sea de alta gravedad. La frecuencia aumentar\u00e1 a medida que la IA se implemente m\u00e1s ampliamente en las redes inteligentes.

Medios y comunicaciones:<\/strong> Existe una exposici\u00f3n a corto plazo al riesgo de propiedad intelectual, lo que refleja la reciente incorporaci\u00f3n de la IA generativa y la situaci\u00f3n legal del uso de materiales protegidos por derechos de autor para el entrenamiento de grandes modelos ling\u00fc\u00edsticos (LLM). A medida que el uso de la IA se generalice, los riesgos se distribuir\u00e1n mejor entre los sectores. 

Atenci\u00f3n sanitaria y productos farmac\u00e9uticos:<\/strong> Se espera que el riesgo de la IA para estas industrias sea prominente debido a una combinaci\u00f3n de 1) alta frecuencia de incidentes potenciales, dada una gran cantidad de aplicaciones en la cadena de valor de la salud que podr\u00edan usar IA; y 2) p\u00e9rdidas potencialmente de alta gravedad (por ejemplo, lesiones corporales, responsabilidad profesional).

As\u00ed es como Swiss Re clasifica la exposici\u00f3n al riesgo de IA por industria en la actualidad y en el futuro cercano (la clasificaci\u00f3n estimada en diez a\u00f1os aparece entre par\u00e9ntesis). <\/p>\n\n\n\n

    \n
  1. (4) Servicios de TI <\/li>\n\n\n\n
  2. (3) Energ\u00eda y servicios p\u00fablicos <\/li>\n\n\n\n
  3. (1) Salud y farmacia <\/li>\n\n\n\n
  4. (10) Otros servicios (comercio minorista, hosteler\u00eda, jur\u00eddico) <\/li>\n\n\n\n
  5. (2) Movilidad y transporte <\/li>\n\n\n\n
  6. (7) Servicios financieros y de seguros <\/li>\n\n\n\n
  7. (6) Gobierno y educaci\u00f3n<\/li>\n\n\n\n
  8. (8) Fabricaci\u00f3n <\/li>\n\n\n\n
  9. (5) Medios y comunicaciones <\/li>\n\n\n\n
  10. (9) Agricultura, alimentos y bebidas <\/li>\n<\/ol>\n\n\n\n

    Perspectivas a largo plazo<\/h4>\n\n\n\n

    En general, los riesgos relacionados con la \u00e9tica, los sesgos y la privacidad ser\u00e1n m\u00e1s prominentes a corto plazo. A medida que se establezcan los modelos de IA, el peligro reside en que las deficiencias existentes en el almacenamiento y an\u00e1lisis de datos se consoliden. Los sectores que manejan datos personales sensibles, como el sanitario, el financiero o el jur\u00eddico, son particularmente vulnerables. A largo plazo, el riesgo de rendimiento cobrar\u00e1 mayor importancia. Suponiendo que se puedan solucionar los problemas iniciales en la creaci\u00f3n de modelos de IA, el riesgo de rendimiento se convertir\u00e1 en la categor\u00eda de riesgo dominante. Esto ocurrir\u00e1 especialmente en la producci\u00f3n en sistemas cerrados, como la agricultura o la manufactura. Puede descargar una copia de \u00abAI and the industry risk perspective\u00bb de Swiss Re aqu\u00ed: https:\/\/tinyurl.com\/undj6wxp<\/a><\/p>\n\n\n\n

    Para mitigar estos desaf\u00edos, las compa\u00f1\u00edas de seguros deben priorizar el desarrollo de IA \u00e9tica, aprovechar datos de capacitaci\u00f3n diversos y representativos, evaluar y auditar sus sistemas de IA de manera consistente a trav\u00e9s de un modelo de gobernanza s\u00f3lido y mantener la transparencia en la toma de decisiones.<\/p>\n\n\n\n

    Art\u00edculo cortes\u00eda de SmartsPublishing.com<\/a><\/p>\n\n\n\n

    <\/h6>","protected":false},"excerpt":{"rendered":"

    Un nuevo informe de Swiss Re (\u201cCambios tecnol\u00f3gicos: C\u00f3mo la IA podr\u00eda cambiar el panorama de riesgos de la industria\u201d) analiza el riesgo que la IA representa para diez importantes industrias. Tambi\u00e9n identifica las oportunidades para que las aseguradoras ayuden a sus clientes a mitigar estos riesgos.<\/p>","protected":false},"author":1,"featured_media":2124,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13],"tags":[],"class_list":["post-2123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"yoast_head":"\nHow AI Will Change the Risk Landscape - Teague Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.teagueins.com\/es\/2024\/08\/08\/how-ai-will-change-the-risk-landscape\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How AI Will Change the Risk Landscape\" \/>\n<meta property=\"og:description\" content=\"A new report from Swiss Re (\u201cTech-tonic Shifts: How AI could change industry risk landscapes\u201d) studies the risk posed by AI to ten major industries. 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