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While some banks are highly advanced in their use of AI, many others face significant barriers that impede progress. Moving beyond tests and pilots is no longer an option � it is an imperative. This report serves as a guide to help banks navigate this critical transition and unlock AI’s transformative potential.

Banks are beginning to grapple with the reality that seizing the significant opportunities AI presents will require far more than just an investment in technology. It demands a holistic rethinking of strategy, culture, operation practices and an ethical framework for deployment.

Yet, many find themselves stalled by inertia. Long-term value is difficult to define, and many organizations struggle with setting clear objectives, identifying key performance indicators (KPIs) and proving return on investment (ROI). These challenges are compounded by the costs of technology upgrades, implementation risk and hesitations among senior executives who are eager to transform but cautious about leading the charge.

To prepare for an intelligent enterprise, banks should embrace AI as a driver of sustainable growth. By integrating AI across functions � from marketing and customer service to fraud prevention and risk management � banks can create innovative, customercentric solutions that not only enhance profitability but also deepen customer loyalty. This report provides the tools and insights needed to break through barriers, scale AI adoption and position banks to succeed in an increasingly competitive and intelligent future.

To understand how AI will usher in a new era of smart banking and create an intelligent bank, ÀÖÓ㣨Leyu£©ÌåÓý¹ÙÍø conducted an extensive research program, interviewing executive leaders across eight key global markets. This research outlines a comprehensive blueprint for AI in banking, helping banks chart a path toward unlocking AI’s immense value.