[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fintech-22-036":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fintech","金融科技力知識檢定","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fintech-22-036","22",36,"保險理賠自動化若要同時辨識影像／文件並抑制偽造風險，最佳做法不是只看畫質，而是導入下列何種流程以提升防詐可靠度？",[13,14,15,16],"僅依圖片清晰度判斷真假","全由人工判斷不引入 AI","只看上傳時間長短","加入多模態比對與異常偵測流程",3,"保險科技",1,"理賠自動化要兼顧辨識與防詐,單看畫質並不可靠,因為偽造或修圖的單據同樣可以很清晰。較佳做法是導入多模態比對與異常偵測流程:交叉比對影像、文件文字、保單資料與歷史理賠紀錄是否一致,並以模型偵測重複送件、竄改痕跡與不合理的理賠型態,異常案件再轉人工覆核,故 (D) 正確。(A) 只依清晰度判斷容易被高品質偽造品騙過;(B) 全靠人工效率低,難以處理大量案件;(C) 上傳時間長短與文件真偽並無必然關聯。","easy",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fintech-19-016","下列何項通常不屬於保險科技可能帶給保險業的效益？",16,{"id":28,"question":29,"qno":30},"fintech-19-017","下列何者非屬保險科技面臨的挑戰？",17,{"id":32,"question":33,"qno":34},"fintech-19-025","有關設純網路投保業務目的之敘述，下列何者錯誤？",25,{"id":36,"question":37,"qno":38},"fintech-19-049","有關各國為支持金融保險科技所設置單位之功能敘述，下列何者錯誤？",49,{"id":40,"question":41,"qno":42},"fintech-20-035","依保險業設立許可及管理辦法規定，我國數位人身保險公司，其最低實收資本額為新臺幣多少金額？",35,{"id":44,"question":45,"qno":10},"fintech-20-036","下列何者非屬保險業得辦理網路投保之人身保險商品？",1793070566268]