英国专业与金融服务领域AI应用研究报告：释放未来创新机遇

AI for Services2025 report Unlocking future innovation opportunitiesin UK Professional & Financial Services March 2025 Table of contents 6Regions beyond London64 Executive summary 78111619202129333642Regional strengths & challenges65Incubators & accelerators68Universities & spin-outs69Midlands and East of England71Northern Ireland73North of England75Scotland77South of England79Wales81Contributors & methodology83 Executive summaryUK Professional & Financial Services: highlightsKey findingsRecommendations: Innovation & impact The role of innovation & technologyMarket driversCompetitive dynamicsIndustry impactSector perspectivesFuture shaping Investment landscape49 Investment landscape50Macro-environment and valuations54Investment appetite and ideal investment targets55Market focus areas58Co-investment & collaboration60Regional funding62 About this report Key workstreams included group andindividual discussions with industry,technology, research, private investors,and cluster/network organisations, 330+responses to a dedicated online survey,and a programme of desktop researchusing a combination of publicly availableand proprietary data sources. In the UK, the Professional & FinancialServices (PFS) market contributesover £260bn in GVA (or c12% of the UKeconomy), employs over 1.7m people, andis home to over 132,000 organisations. This report explores how digital technologieshave shaped and continue to influencethe UK’s PFS market, mapping keytransformations over the past 3-5 years. We would like to thank all the stakeholderswe engaged with, both for their opennessto share as well as the quality of their insights. More specifically, it shares a deep dive intothe innovation and impact of the sector andits investment landscape, as well as a viewof its future state and the increasingly diverseregional picture – going beyond London. Whitecap Consulting project team: Julian Wells, Michael Fletcher, Josh Dracup,Purnarka Dutta, Queralt Smith Vila. This report focuses on three main sectors:Accounting, Financial Services & Insurance,and Legal Services. Each of these sectorsplays a crucial role in the impact deliveredby and ongoing development of the UK’sPFS market. Innovate UK and ESRC project team: Stephen Browning, Astrid Ayel, Winn Faria,Martin Martinoff, Sarah Pagan. Foreword The Industrial Strategy green paper identifiedboth the Professional and Business ServicesSector and the Financial Services Sector aswell as the Digital and Technologies Sectoras pivotal to the country’s growth. Combiningthese, the development and adoption ofdigital technology, including but not limitedto AI, holds enormous potential to reshapeProfessional and Financial Services aswell as enabling them to serve a broaderbase of customers. In particular, there is anopportunity to address areas of inequality,where some businesses and individuals insociety are currently underserved or excluded. is transforming the sector. From supportingearly adopters and initial research in this area,we are now engaging with a growing numberof firms and stakeholders collaborating andimplementing novel solutions. As we lookahead, it is more important than ever to informthe sector on this ever-changing landscape,ensuring that the sector feels supported tojoin its transformation. This report is the third published by AI forServices, the network underpinning theprogramme. AI for Services counts more than1,500 leading businesses, researchers, firmsand investors coming together to support thetransformation of the UK PFS sector. Afterreading this insightful report, I hope that youwill also join AI for Services and help us drivepositive change in the sector benefitting bothindustry and its customers across society. Gary Cutts, Executive Director forDigital & Technologies, Innovate UK The Professional and Financial Servicessectors are truly a cornerstone of the UKeconomy. By themselves, they contributeabout 13% of Gross Value Add (GVA) andemploy some 1.7 million people or about5% of the workforce. However, this is onlypart of the story. This could be for example, by providingaccess to credit through different ways ofassessing creditworthiness or providinglegal advice through digital delivery methods.We also see an important opportunity toconnect smaller and start-up business toestablished industry. We recognise the importance of these sectorsand the opportunity presented through theuse of advanced digital solutions such as AI.This report highlights those opportunities aswell as barriers to be addressed. Commercially, they underpin every economicactivity across the country, whether thatis trade supported by payment systems,contracts supported by legal services,advising businesses of all sizes throughaccountancy services or insuring premisesand equipment. For individuals, these sectorsalso offer key support from planning for thefuture to dealing with unexpected difficulties.The impact of these sectors on the UK cannotbe underestimated and while L