Google AI Banking
The four building blocks of responsible generative AI in banking
“The future of banking is generative. While headlines often exaggerate how generative AI (gen AI) will radically transform finance, the truth is more nuanced.
At Google Cloud, we’re optimistic about gen AI’s potential to improve the banking sector for both banks and their customers. We also believe that it can be done in a responsible manner.
There’s work to be done to ensure that this innovation is developed and applied appropriately. This is the moment to lay the groundwork and discuss—as an industry—what the building blocks for responsible gen AI should look like within the banking sector.” Google Financial Services.
IBM research insights
2025 Global outlook for Banking and Financial Market
Elevate banking performance in the age of AI
“As we enter 2025, the banking sector faces a critical juncture, balancing a unique confluence of new challenges and opportunities that will define its evolution over the next decade. Over the past 15 years, the aftershocks of the 2008 Global Financial Crisis,ever-tightening regulatory pressures, low interest rates, and fierce competition from both traditional and nontraditional rivals have constrained banks’ degrees of freedom. This convergence has created an environment where profitability is under pressure,cost-to-income ratios are elevated, and price-to-book ratios remain strained. ” IBM Institute for Business Value | Research Insight
Microsoft for Banking
The future of banking in the era of AI
Generative AI is transforming banking
“In financial services, there’s heightened interest in how artificial intelligence (AI) can drive improvements in managing risk and generating returns. Technology continues to play a central role in addressing financial, regulatory, and competitive challenges, and AI has the potential to help banks transform employee productivity, operations, and customer experiences. Generative AI unlocks intelligent banking and creates possibilities to innovate for business value faster.
There’s a reason it’s considered transformative. AI presents great potential compared to other technologies currently available. The AI era has already begun—we’re in it. Customers want personalized, custom products and services. Employees are looking to work more efficiently. AI provides the capabilities to make that possible for everyone who taps, swipes, or clicks.” Microsoft.