{"editorial":{"content_id":"3667f440-af8d-46df-80b3-6fbb1e9c46ce","slug":"getnet-ai-20261111-705802","content_type":"news","title":"Getnet高管警示AI自主购物代理出错后的责任归属问题","summary":"Getnet风险副总裁在TI Inside创新论坛上指出，能自主完成购买和金融交易的AI代理带来治理挑战，企业须在赋予更大自主权前设定运营限制和责任机制。","body":"在TI Inside Innovation Forum 2026上，Getnet风险副总裁亚历山大·奥利维拉（Alexandre Oliveira）警示，能够执行购买和金融交易的人工智能代理的自主性正给企业治理带来新挑战，企业需就运营边界、财务责任和控制机制制定明确规则。\n\n奥利维拉表示，代理在商业操作中的使用相较传统人工智能应用是重要变化：推荐产品或帮助选机票的工具对交易影响有限，而被授权完成购买的代理所做的决策可能产生财务后果。他问道：“如果它做错了，谁来承担错误？如果它做错了，谁来承担这些成本？”\n\nGetnet是一家支付处理公司，业务覆盖巴西、智利、阿根廷、乌拉圭、西班牙和葡萄牙。奥利维拉提到，公司正跟进这一转变，并与两个大型合作伙伴开展面向商户支付方式管理简化的AI代理电商项目。他认为，这些方案的扩展要求企业在赋予系统更大自主权之前建立限制和治理机制。\n\n奥利维拉说，采用人工智能应把试验自由与限制潜在损失的参数结合起来；在Getnet，设定限制是扩大技术使用准备的一部分，目的是让团队开展试验而不使公司或客户承受不成比例的风险。但当应用直接作用于金融操作时，要求随之提高：一个错误可能造成金钱损失、损害企业声誉并影响客户信任。他强调，治理应包含能快速识别不当行为并在必要时中断流程的指标和机制。\n\n他还主张风险部门应改变传统上在开发后期才评估产品和流程的做法，从产品构思初期就参与，使方案具备适当的安全与控制机制。“风险就是业务”，他说，风险人员的职责不只是阻止不合格方案上线，而是与产品和科技团队并肩推动安全举措落地。这一转变需要文化变革，尤其是在治理结构传统的企业。\n\n在客户体验方面，奥利维拉指出交易需在毫秒级完成，即使后台执行多种验证和安全机制，也不能给用户造成中断或过多步骤；在竞争激烈的市场，反复出错可能导致商户迅速更换支付供应商。随着自主代理以更少人工直接参与执行任务和调动资金，这一要求预计将进一步提高。\n\n在团队准备上，他主张企业鼓励试验和个人责任，领导者应创造条件让员工提出方案、质疑流程；对变革的抵触可能使企业错失效率、降本和新业务机会，而人工智能的采用须具备足够治理以维护消费者信任。他总结说，成功取决于速度、责任与文化变革的结合：“如果人不改变，就没有技术能进化。”","why_it_matters":null,"cbi_observation":null,"direction_tag":"巴西","primary_category":"金融监管","secondary_topics":["支付","科技","合规"],"content_level":"编辑整理","event_type":"公司动态","audience_tags":[],"event_location":null,"verification_status":"unverified","published_at":"2026-11-11T11:05:56.051Z","display_date":"2026-11-11","source_published_at":null,"source_url":"https://tiinside.com.br/10/11/2026/quem-paga-quando-a-ia-erra-uma-compra-getnet-alerta-para-riscos-dos-agentes-autonomos/","source_name":"TI 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