2025年AI赋能投资机构：智能体时代财富与资产管理机构AI行动指南

An AI playbook for wealth and assetmanagement firms in the agentic era. Researchbackground A variety of providers bytype of firm To analyze the impact of AI on wealth and asset management providers, in Q3 of 2025, ThoughtLabconducted a comprehensive survey of 500 firms in the top investment markets around the world. real estate, and commodities. Wealth management firms typically offer a broaderrange of services beyond investment management. A mix of providers bysize and location Keeping pacewith AI innovation The AI revolution has begun How investment executives see the roleof AI in their industry Most wealth and asset management executives in our study believe that an AI revolution is underwaythat will be critical for the future of their businesses. AI’s new abilities to act and think like humans— and perform tasks autonomously — will galvanize all parts of the value chain for investment firms.Client interaction will become more effective, as AI makes experiences more efficient, personalized,and seamless. Advisors will do a far better job at optimizing investment portfolios and generating 63% industry. As usual it will start withfintechs, then will be adopted byincumbent banks, where it willeliminate complexity and spur 62% 59%Staff are enthusiastic about AI The AI-Powered Investment Firm AI, and particularly agentic AI, will fundamentallyreshape the industry by embedding intelligenceinto the heart of operations. GenAI applicationshave enhanced productivity in discrete tasks, but AI is reshaping the industry from the inside out.It is already hugely simplifying tasks in the backoffice, such as account opening and data checking.These are now running in minutes instead of days.AI models feed easier-to-use dashboards, offering Group President,FNZ VP, Asset & WealthManagement Lead,Publicis Sapient personalized investing, allowing real-timeinvestment portfolios tailored to a client’s financialgoals, risk tolerance, and life stages. This goeswell beyond risk profiles to account for changingcircumstances or tax situations. The investment and its impact will only accelerate. The biggestopportunity lies in enabling advisors to delivermore personalized, timely, and scalable advice. AIhelps filter the noise, surface relevant insights, and Services Advisory, GrantThornton Advisors LLC Strategy, LSEG Wealth and asset management firms are picking up thepace on AI adoption across their organizations. Back-office functions—such as code development,business processes, and custody services—have beenprime candidates for early AI deployment because of the 17%of firms think they are office. Most are using AI to automate compliance checksto quickly identify any violations. At the same time, theyare boosting data security and privacy by using AI todetect anomalies in real-time and respond immediately to AI has also elevated front office activities with clients.Nearly six out of 10 firms now use AI to deepen customer analysis. Slightly fewer offer AI-enabled chatbots and self-service portals to provide clients with 24/7 personalizedsupport. HSBC’s AI-driven “Future Planner” helps customers modelmultiple future scenarios based on their current holdingsand personal goals. Firms are planting the seeds for AI transformation Investment firms have made considerableheadway in laying the foundation for AItransformation. They have taken decisive stepsto build a strategic roadmap, innovation culture,and talent pool to foster AI reinvention. Theyare shifting to cloud-based modern platformsthat facilitate deploying and scaling AI. They curious to try AI. In literally everythingwe do and in everything we build, wethink about where the place is for AI.”Erik Smith 63% LPL Financial So far, most of the AI efforts of investment firms have beencentered on earlier generations of AI, such as machine learningto automate specific, pre-defined tasks, and natural languageprocessing to power chatbots. More recently, companies haveembraced GenAI, tapping into its ability to create content, of the next wave of AI technologies, such as multimodal AI foranalyzing data in any format, explainable AI to make AI decisionsmore transparent, and agentic AI to take on tasks formerly handledby people. This next wave of AI innovation will give firms the tools highly regulated landscape. Most advice businessesare already harnessing AI to enhance productivity anddeliver actionable insights. The next major shift willbe the rise of agentic AI, when it becomes capable of Colonial First State AI is improving theadvisor experience Investment firms are actively deploying GenAI to enhance the experience and capabilities ofinvestment advisors and financial planners. For example, Marc Butler, a financial planner at AnthonyPetsis & Associates, says that GenAI saves his team up to 15 hours each week by automatingmeeting notes, handling compliance procedures, and providing CRM updates and client follow-ups. information and insights, for examp