<div id="readability-page-1"> <time datetime="2025-12-03T15:32:06+00:00"> Wednesday 03 December 2025 3:32 pm </time> <figure> <div> </div> <img width="742" height="495" src="https://imageproxy.pbkrs.com/https://www.cityam.com/wp-content/uploads/2024/11/010-FCA.jpg/query-dz03NDI?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" original-src="https://imageproxy.pbkrs.com/https://www.cityam.com/wp-content/uploads/2024/11/010-FCA.jpg/query-dz03NDI"/> <figcaption>The FCA is helping firms with AI. Chris Ratcliffe/Bloomberg via Getty Images</figcaption> </figure> The City’s top regulator has opened the doors to its first-ever ‘AI live testing‘ scheme, giving major financial firms a controlled environment to trial AI without fear of tripping regulatory wires.NatWest, Monzo, Santander, Scottish Widows, Gain Credit, Homeprotect and fintech Snorkl are among those in the inaugural cohort.The FCA says the scheme is designed for firms already positioned to put AI into live markets, offering tailored oversight from its regulatory team and technical support from UK assurance specialist, Advai.The idea is to fix governance before the algorithms start making high-stakes decisions.Early tests are already probing evaluation frameworks and risk controls, which are the sort of back-end mechanics that tend to go unnoticed until it’s too late.<h2 id="h-a-shift-in-regulatory-mood">A shift in regulatory mood</h2>Much of the action so far sits in retail financial services, with use cases ranging from AI-driven financial advice, complaints sorting and customer-engagement systems.The hope is that better-tested AI can speed up decision-making while keeping consumers safe.Jessica Rusu, the FCA’s chief data, information and intelligence officer, claimed the testing environment would help ensure AI is deployed “safely and responsibly in UK financial markets”.She added that working closely with firms and Advai should help avoid the pitfalls seen in other jurisdictions grappling with fast-moving technology.The move comes as the regulator leans heavily into digital innovation.In recent months, FCA boss Nikhil Rathi has argued that traditional rule-making can’t keep pace with AI’s rapid development, promising a more collaborative approach with firms.Crucially, she reassured the industry that the watchdog won’t “come after you every time something goes wrong”, only when failures are outright egregious.The FCA also seems keen to understand how AI will reshape markets more broadly.Insights from live testing will feed into its future regulatory approach and complement its “supercharged” sandbox launched with Nvidia earlier this year, aimed at firms still experimenting with early-stage models.Applications for the second cohort of AI Live Testing open in January, with approved companies entering the controlled environment from April.For a financial sector racing to modernise, and for a regulator trying to encourage growth while upholding consumer protection, the consensus seems to be to innovate, but do it properly. </div>

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英国金融行为监管局（FCA）已启动其首个 “人工智能实时测试” 计划，允许像 NatWest 和 Monzo 这样的主要金融公司在受控环境中试验人工智能。该倡议旨在确保人工智能在英国金融市场的安全部署，提供监督和技术支持。该计划反映了向数字创新的转变，FCA 采取了协作的人工智能监管方法。此次测试的见解将为未来的监管策略提供信息，下一批申请将在 1 月开放

FCA 推出 AI 的 ‘安全空间’，因为金融城的公司正争相部署新技术