Monitor Prawniczy
no. 8/2025
Regulatory context of the use of chatbots in financial services
DOI: 10.32027/MOP.25.8.3
Autor jest radcą prawnym, senior associate w Kancelarii Wardyński i Wspólnicy
Autor jest adwokatem, wspólnikiem w Kancelarii Wardyński i Wspólnicy
Abstract
This article attempts to identify the key provisions of Polish law that are important for the implementation and use of chatbots (i.e. tools enabling people’s interactions with a computer programme using a natural language, most often over the Internet) by financial institutions. The article additionally outlines the main conditions and legal challenges in selected areas related to the implementation and use of chatbots by financial institutions. The article focuses on the following legal areas:
(1) chatbots as tools for filing declarations of intent;
(2) AI chatbots;
(3) chatbots and outsourcing of financial services;
(4) chatbots as tools for processing personal data of clients of financial institutions.
Keywords
chatbot, artificial intelligence, personal data, profiling, automated decision-making, outsourcing, financial institutions
Literature
M. Olszak [w:] Prawo bankowe. Komentarz, pod red. A. Mikos-Sitek, P. Zapadki, Warszawa 2022, Lex/el; Opracowanie EBA „Broad and diverse adoption of AI in the EU/EEA banking sector; Opracowanie Europejskiego Urzędu Nadzoru Bankowego pt. „Final Report on EBA Guidelines on outsourcing arrangements”; Opracowanie Komisji Europejskiej pt. „Communication to the Commission Approval of the content of the draft Communication from the Commission - Commission Guidelines on the definition of an artificial intelligence system established by Regulation (EU) 2024/1689 (AI Act)”; Public Statement On the use of Artificial Intelligence (AI) in the provision of retail investment service (30 May 2024, ESMA35-335435667-5924); Raport przygotowany przez Consultative Expert Group on Digital Ethics in insurance przy European Insurance and Occupational Pensions Authority pt. „Artificial Intelligence Governance Principles: Towards Ethical And Trustworthy Artificial Intelligence In The European Insurance Secto”; Report on automation in financial advice sporządzony w 2016 r. przez Joint Committe of European Supervisory Authorities.
