1、FINANCIAL INSTITUTIONSAI IN FI REPORT 2025For Banks,the AI Reckoning Is Here May 2025 By Saurabh Tripathi,Stiene Riemer,Matteo Coppola,Kirsten Rulf,Jrgen Rogg,Christian Schmid,Michael Strau03 Introduction04 The Next Five Years Will Define the Next 30 07 Rethink,Retool,and Reclaim Advantage11 Act Now

2、ContentsBOSTON CONSULTING GROUPFOR BANKS,THE AI RECKONING IS HERE 3Predictive AI has been reshaping financial services for years,pushing banks to fend off digital competitors and rethink their own operations.But the arrival of GenAI is an inflection pointaccelerating AIs impact,raising new strategic

3、 questions,and amplifying both opportunities and risks.Agentic AIsystems that can act autonomously within set parameterspropels this shift even further by moving AI from analysis into execution.Together,predictive,generative,and agentic AI are redefining the banking businessand eroding pillars that

4、have long underpinned banks advantage.The next several years will usher in new and differentiating capabilities for organizations that seize and scale them.Yet BCG analysis finds that only a quarter of financial institutions are using AI to reinforce their competitive position.The rest are experimen

5、ting at the marginsunderstandable,but insufficient.Winning in the coming era will require far more than isolated pilots or cautious upgrades.It means anchoring AI strategy in business strategy,systematically prioritizing high-ROI use cases,embedding clear performance metrics,and mobilizing capital a

6、nd CEO leadership decisively toward scalable impactwith tight alignment between investment and results.AI presents a strategic fault line.The banking leaders that are acting nowdefining where they will compete and how they will winhave already begun to shape the industrys future.The rest will be sha