IBM：2024年全球银行和金融市场展望报告（英文版）（52页）.pdf

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1、IBM Institute for Business Value|Expert Insights2024 Global Outlook for Banking and Financial Markets Regenerate banking with AI2 Foreword3 The game-changer:How generative AI can transform the banking and financial sectors5 A critical moment11 Communication:The driving force behind the customer expe

2、rience19 A reimagined workforce experience can boost productivity and re-balance costs27 Risk and compliance:The double-edged sword35 Manage a trusted AI platform for value,innovation,and risk 39 The 10 guiding actionsContents1Almost 8 in 10 institutions(78%)are tactically implementing generative AI

3、 for at least one use case.Their tactical approaches vary but trend higher in the risk and compliance space,as well as in client engagement.Additionally,8%of institutions take a broader,more systematic approach by implementing generative AI across a wider set of business domains scaling throughout t

4、he bank.AI priorities reflect omnipresent concerns about riskand client relationships.Almost 60%of generative AI decision makers see higher value in risk control,compliance reporting,and client engagement.Keeping data private and earning client trust is essential to winning engagements.AI governance

5、 is a must-have.Every banker should be an AI risk manager.More than 60%of banking CEOs indicate new vulnerabilities for cybersecurity(76%),legal uncertainty related to operations(72%),difficulties in controlling outcome accuracy(67%),and prejudice from model bias(65%).Generative AI is more than this

6、 years buzzword.For starters,it can redefine a banks competitive edge in client relationships,evolve and streamline core banking operations,and bolster cybersecurity.Key takeaways2Foreword2023 was a groundbreaking year,with large language models(LLMs)opening unexpected doors for all of us to interac