近年人工智慧技術快速導入金融服務領域，從智能理財、授信審 核、風險評估、客戶分群、商品推薦到防制詐欺，都逐漸呈現自動化與 演算法化之趨勢；而此一發展雖可提升金融服務效率，卻也伴隨演算法 偏誤、模型不透明、責任歸屬不明及資訊不對等加劇等法律風險。與此 同時，我國已邁入超高齡社會，高齡者不僅逐漸成為金融市場中資產集 中且交易活躍之重要客群，亦因其在認知功能、心理狀態、數位操作能 力及社會支持不足等因素上之不利，而具有較高的金融剝削風險。 本文以人工智慧時代下高齡金融消費者之保護為核心，首先分析人 工智慧出現前後高齡者投資決策流程、資訊來源與風險結構之變化，並 說明高齡者可能存在能力下降但信心未同步下降的落差；其次，本文檢 視我國金融消費者保護法、公平待客原則、金融業運用人工智慧指引等 相關規範，探討其於人工智慧金融情境下對高齡金融消費者保護之適用 可能與不足；再次，本文透過民事、刑事判決及金融消費評議案件，觀 察現行實務如何處理高齡者之意思能力、財務決策能力、說明義務、適 合度義務與責任歸屬等問題。 最後，透過比較法研究觀察外國制度對於高齡金融消費者保護、金 融剝削防制及人工智慧金融治理的相關經驗，其目的並非直接移植他國 制度，而是從中整理可供我國借鏡之制度設計與監理思維。透過各章節 所探討的內容，找出可以兼顧金融科技創新與高齡金融消費者的實質保 護的可能性。;In recent years， artificial intelligence has been rapidly introduced into the field of financial services. From robo-advisory services， credit review， risk assessment， customer segmentation， product recommendations， to fraud prevention， financial services have increasingly shown a trend toward automation and algorithmic decision-making. Although this development can improve the efficiency of financial services， it also gives rise to legal risks such as algorithmic bias， model opacity， unclear allocation of responsibility， and intensified information asymmetry. At the same time， Taiwan has entered a super-aged society. Older adults have not only gradually become an important customer group in the financial market， with concentrated assets and active transaction participation， but also face a higher risk of financial exploitation due to disadvantages in cognitive function， psychological condition， digital operation ability， and insufficient social support. This thesis focuses on the protection of elderly financial consumers in the age of artificial intelligence. It first analyzes the changes in older adults’ investment decision-making process， sources of information， and risk structure before and after the emergence of artificial intelligence， and explains the possible gap between declining ability and confidence that does not decline at the same pace. Second， this thesis examines relevant regulations in Taiwan， including the Financial Consumer Protection Act， the Fair Customer Treatment Principles， and the Guidelines for the Use of Artificial Intelligence in the Financial Industry， and discusses their applicability and limitations in protecting elderly financial consumers in AI-driven financial contexts. Third， through civil and criminal judgments as well as financial consumer dispute resolution cases， this thesis observes how current practice addresses issues such as older adults′ capacity to express intent， financial decision-making ability， the duty of explanation， suitability obligations， and the allocation of responsibility. Finally， this thesis adopts a comparative law approach to examine foreign experiences in the protection of elderly financial consumers， the prevention of financial exploitation， and the governance of AI in financial services. The purpose is not to directly transplant foreign legal systems， but to identify institutional designs and regulatory approaches that may serve as useful references for Taiwan. Through the discussions in each chapter， this thesis seeks to explore the possibility of balancing financial technology innovation with the substantive protection of elderly financial consumers.
