重新思考银行业的人工智能

Using next-gen AI to transform your organization and elevate your people. Table of Contents A New Phase for AI in Banking Elevating Human Potential in Banking Democratizing AI Benefits Across Banking Organizations Cheat Sheet: Three Ways Banks Using AI Will Thrive Closing: AI Is More Than Technology A new phase for AIin banking. Case study snapshot: BMO. Today, 70% of financial services executives believe AI will directly tie to revenuegrowth, and 9 in 10 believe adjustments are needed for reskilling the workforceto support AI.1In other words, banking is on the cusp of a new AI-driven future. Challenges: In the context of other industries, banking already has momentum with AI. Thisis partly because many banks, and financial services organizations more broadly,embraced earlier capabilities that you might call AI-adjacent—helpful automations,anomaly and pattern detection, algorithmic trading functionality—that haveimproved operations and value generation. These outcomes are crucial, but thenext phase of AI deployment will address a new set of challenges, and will require anew, more holistic way of thinking about AI. •Needed to accelerate decision-making and ensure more timely decisions•Dealt with fragmented HR data sources that led to multiple versions of the truth•Required greater agility to adapt in times of change driven by compliance oremployee need Solutions: •Unified data sources with Workday for one book of record•Gained access to real-time information for increased agility and accelerateddecision-making•Custom apps and a unified platform improved the overall employee experience Today’s challenges are more personal. Persistent labor shortages and an overall“changing of the guard” in banking workforces have affected these organizationssignificantly, and the industry continues to face stiff—and ever-changing—regulatorypressures that demand significant staff attention and system optimization. And, ofcourse, societal change and profound economic uncertainty mean that bankingcustomers walk in the door with a new set of concerns and service expectations. Business value: •Gained efficiencies through streamlined internal processes•Provides easier access to information for all internal and external stakeholders•Enhanced compliance focus and usage of data to influence decision-making These factors tell us something important about what banks need AI to do forthem next. They need it for the sake of their humans. Welcome to the human era of AI. The task—and the opportunity—for banks today is to use existing momentumwith AI to reshape the industry for new workforces, approaches to talentand hiring, market pressures, and ways of doing business. Banks that makethis pivot, whether they’re small local banks or national names, will lead theirmarkets and demonstrate the ongoing relevance, and the innovative spirit, ofbanking as a whole. of financial services executives are prioritizingresponsible AI2 And they’ll do it using next-generation AI. The remaining chapters in this guidewalk you through how to make it work. Enjoy. Elevating human potentialin banking. The upcoming human skills revolution. New global data—presented and explained in a Workday report called“Elevating Human Potential: The AI Skills Revolution”—shows us thatprofessionals who are most familiar with AI in the business are also the mostoptimistic. AI’s true potential, the data says, lies in its ability to free peoplefrom systemic and intellectual constraints, empowering everyone to reach newlevels of productivity and creativity. A 2025 World Economic Forum report highlighted the fact that “with theirdata-rich and language-heavy operations [financial services organizations]are uniquely positioned to capitalize on the developments of AI.”3The reportalso hints at the payoff banks can receive when they put in place tools such asgenerative AI and key automations: “The attention of business leaders is nowshifting towards revenue growth opportunities.” For example, among several possible scenarios of AI’s influence, the leadingresponse (53%) in the study—with more than double the responses of anyother scenario—was “AI will augment human capabilities, leading to increasedproductivity and new forms of innovation.” The key word there is “opportunities” because banks are discovering thatwith AI capabilities in place, their humans can focus on higher-value, strategiccontributions that they used to be pulled away from due to older manualprocesses and number crunching. What might this look like in the org chart of a bank? There’s data for that, too. That’s one reason why, as AI moves into all parts of the organization, its benefitshave grown much more humanistic. Today, its most critical applications,typically spanning HR, finance, and operations,4are showing us a new wayfor banks to elevate their people and allow them to make the most impactfulcontributions they’re capable of. In banking, this typically includes relationshipmanagement, a