1、KPMG I bankingA blueprint for creating value through AI-driven transformationKPMG.Make the Difference.Contents03Foreword22Second phase:Embed04At a glance27Third phase:Evolve08Research findings36Preparing for an AI future05Introduction31Key considerations15First phase:Enable11Building the intelligent

2、 bank39KPMG:Guiding your AI transformation with experience and trust 2025 Copyright owned by one or more of the KPMG International entities.KPMG International entities provide no services to clients.All rights reserved.Intelligent banking:A blueprint for creating value through AI-driven transformati

3、on|2This report is the result of extensive research into the value being created by artificial intelligence(AI)within the banking sector.It is designed to provide actionable insights for leaders at every stage of their AI journey,from those deploying their first pilots to banks seeking to scale ente

4、rprise-wide AI initiatives.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 un

5、lock AIs 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 d

6、eployment.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 upg