Company: TCMFF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0001104659-25-019133
Chunk: 35

Company: TELECOM ARGENTINA SA
Filing Date: 2025-02-28
Form: 20-F
Item: Item 3
Chunk 35
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 customers’ personal data, including financial information. Due to the digital nature of our payment services, third parties may engage in abusive schemes or fraud attacks that are often difficult to detect and may reach a scale that would not otherwise be possible in physical transactions. Fraud schemes and misuse of our payment services could expose us to significant costs and liabilities, require us to change our business practices, result in a loss of customer confidence in, or reduced use of, our products and services, damage our reputation and brands, and divert management’s attention from operating our business.
Additionally, as a result of the adoption of new technologies such as Gen AI, the Company could be subject to threats that are increasingly difficult to detect and prevent, considering the development of new attack vectors as well as the improvement of existing ones. The adoption of AI could increase the threat of undetectable attack vectors, which may expose us to cybersecurity vulnerabilities and, in turn, affect our business. For more information regarding risks related to AI, see “—Artificial intelligence presents material risks that may result in reputational harm, competitive harm or legal liability and, in turn, adversely affect our business.”
Artificial intelligence presents material risks that may result in reputational harm, competitive harm or legal liability and, in turn, adversely affect our business.
We currently incorporate AI technology in our business operations. For further information regarding our use of AI, see “Item 4—Marketing and Customer Care—Sales and Marketing” and see “Item 4—Information Technology Strategy—Gen AI.” As with many new and emerging technologies, the adoption of AI presents material risks that may result in reputational harm, competitive harm or legal liability.
Our use of AI tools for customer interactions and operational processes may result in unintended adverse consequences due to AI’s inherent complexity of its design and algorithms. Analyses generated by AI may create flawed or inaccurate responses in customer service, or misinterpretation of sentiment data, or base responses on inappropriate biases, all of which could negatively impact customer trust and satisfaction, harming our brand reputation or competitive position.
Any failure to manage or mitigate these risks could result in reputational harm, competitive harm or legal liability and, in turn, materially impact our operations and financial condition.

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PART I - ITEM 3 KEY INFORMATION   TELECOM ARGENTINA S.A.
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The impacts of climate change could pose risks of damage to our infrastructure and cause disruptions in our operations, which may affect our financial results.
Extreme weather phenomena caused by climate change may damage our infrastructure, disrupt our ability to