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Auswirkung von Künstlicher Intelligenz auf die Altersvorsorge

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  • Eling, Martin

Abstract

Diese Studie analysiert Potenziale und Herausforderungen der Künstlichen Intelligenz (KI) im Bereich der Altersvorsorge. Es werden sieben zentrale Handlungsfelder identifiziert und im Rahmen einer Expertenbefragung verifiziert: die Vorsorgeberatung, die Personalisierung von Altersvorsorgeplänen, die Automatisierung administrativer Prozesse, die Optimierung von Anlagestrategien, Betrugsprävention und Datenschutz, finanzielle Bildung und Aufklärung sowie die Themenfelder Prävention und Pflege. KI kann die Effizienz der Altersvorsorge steigern, indem sie Beratungsprozesse unterstützt, individualisierte Vorsorgelösungen ermöglicht und Risiken präziser einschätzt. Zudem kann die Technologie zur Kostenreduktion und zur Verbesserung der Zugänglichkeit von Vorsorgeangeboten beitragen. Gleichzeitig erfordert der Einsatz von KI aber eine sorgfältige Auseinandersetzung mit Datenschutz, ethischen Standards und potenziellen Marktverzerrungen, um die Technologie verantwortungsvoll zu nutzen.

Suggested Citation

  • Eling, Martin, 2025. "Auswirkung von Künstlicher Intelligenz auf die Altersvorsorge," I.VW HSG Schriftenreihe, University of St.Gallen, Institute of Insurance Economics (I.VW-HSG), volume 72, number 334491.
    • Handle: RePEc:zbw:usgivw:334491
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    References listed on IDEAS

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    1. Frey, Carl Benedikt & Osborne, Michael A., 2017. "The future of employment: How susceptible are jobs to computerisation?," Technological Forecasting and Social Change, Elsevier, vol. 114(C), pages 254-280.
    2. Martin Eling & Davide Nuessle & Julian Staubli, 2022. "The impact of artificial intelligence along the insurance value chain and on the insurability of risks," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 47(2), pages 205-241, April.
    3. Annamaria Lusardi & Olivia S. Mitchell, 2014. "The Economic Importance of Financial Literacy: Theory and Evidence," Journal of Economic Literature, American Economic Association, vol. 52(1), pages 5-44, March.
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