Regulatory Alerts2025-11-13
Hyperpersonalization: A Tailor-Made Online Choice Environment
The Dutch Authority for the Financial Markets (AFM) issued this November 2025 analysis report to examine the opportunities and risks of hyperpersonalization in the financial sector's online choice environments. The regulator warns that while AI-driven personalization can support consumers, it poses significant risks of unwanted influence and discrimination, urging firms to prioritize customer interests over commercial gains. The AFM emphasizes the need for responsible implementation, consumer control, and enhanced supervisory knowledge to address emerging challenges from generative and conversational AI.
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