Accelerating Trustworthy AI: developing a first-to-market AI System Risk Management Platform for Insurance Product creation

算法的采用正在商业和社会中迅速扩大。英国人工智能公司的数量在过去十年中增长了600%，达到1,300家公司，预计到2040年，企业内的人工智能采用量将达到130万（英国政府）。但随着人工智能的增长，人们对大规模采用的潜在后果的担忧也在增加。全球范围内的立法正在加速：英国已经宣布了其国家人工智能战略，包括“保证生态系统路线图”;而影响深远的欧盟人工智能法案和美国的多项干预措施（例如纽约市人工智能人力资源“偏见调查”）正在出现，并已经大大改变了局面。这项规定是非常必要的。很快，数十亿算法将在最少的人为干预下做出决策;从自动驾驶汽车和金融，到医疗，就业和法律的决策。如果没有针对偏见、错误和其他潜在的破坏性和代价高昂的问题的保护，企业将面临重大损失和潜在的罚款。在我们的第一阶段加速可信赖人工智能项目之后，整体人工智能（HAI）和更广泛的联盟处于理想的位置，可以响应这一主要且仍在增长的行业需求，评估企业的人工智能状况并防范潜在损失。我们处于人工智能保证和保险服务之间的交叉点，这是解决这个问题的关键平衡点，我们的团队在等式的两边都有独特的经验。我们目前与联合利华等企业合作，评估其多个人工智能项目的偏见和失败，为新兴监管环境中的跨国应用做好准备。我们现在寻求在第一阶段工作的基础上创建一个全方位服务的风险管理平台，以满足保险行业的要求。该平台将使保险公司能够快速评估和量化人工智能和数据应用程序中的潜在风险，为客户提供可靠、准确的保险报价。我们将利用我们现有的评估能力，以及在开发过程中收集的重要数据集、行业合作伙伴数据、案例研究和知识，建立一个定价和评估结构，为算法及其部署提供适当的保险。因此，该项目将创建一个独特而新颖的产品，提供第一个适合保险公司的人工智能评估的未来工具，满足主要的行业需求和商业需求，以实现可信AI部署的成熟。它创造了一个以英国为中心的重要的全球市场创新，既满足了围绕人工智能增长和负责任部署的国家优先事项，也满足了全球对道德人工智能使用日益增长的担忧。

Algorithm adoption is rapidly expanding across business and society. The number of AI companies in the UK has grown by 600% over the last ten years to \>1,300 companies, and AI adoption within businesses is predicted to reach 1.3m by 2040 (UK Gov).But as AI grows, so do concerns around potential consequences of mass adoption. Legislation is accelerating globally: The UK has announced its National AI Strategy including the 'assurance ecosystem roadmap'; while the far-reaching EU-AI-Act and multiple US interventions (e.g. New York City AI-HR 'bias audits') are emerging and already dramatically changing the landscape. This regulation is sorely needed. Soon billions of algorithms will make decisions with minimal human intervention; from autonomous vehicles and finance, to medical treatment, employment, and legal decisions. Without protection against bias, errors, and other potentially damaging and costly issues, companies face major losses and potential fines.Following our Phase 1 Accelerating Trustworthy AI project, Holistic AI (HAI) and the wider consortium is ideally positioned to respond to this major and still growing industry need for assessment of companies' AI position and insurance against potential losses. We sit at the intersection between AI assurance and insurance services, a crucial balance for solving of this issue, and our team is uniquely experienced in both sides of the equation. We currently work with enterprise companies like Unilever, evaluating their multiple AI projects for bias and failure, ready for multinational application in the emerging regulatory landscape.We now seek to create a full-service Risk Management Platform, building on our work during Phase 1, to deliver on insurance industry requirements. The platform will enable insurers to rapidly evaluate and quantify potential risk within and from AI and data applications to provide customers with reliable, accurate, insurance quotes. We will leverage our existing assessment capabilities, alongside vital datasets gathered during development to-date and industry partner data, case-studies and knowledge to build a pricing and assessment structure fundamental to enable the appropriate insurance of algorithms and their deployment.This project will therefore create a unique and novel offering providing the first future-proof tools suitable for insurer-based AI assessment, answering a major industry demand and a commercial necessity for the maturity of trusted AI deployment. It creates a significant global market innovation centralised in the UK, answering both national priorities around AI growth and responsible deployment, and growing global concerns around ethical AI usage.