2026年银行业生成式AI潜能变现提速之路研究报告（英文版）-.pptxVIP

AcceleratingthePathfromGenAIPotentialtoProfitinBankingJanuary2026ByDavidsTjhin,TusharAgarwal,HarishKoundinya,SaiPrasadKolluri,AsifSaleem,andKunalTalwar

BostonConsultingGroupBostonConsultingGrouppartnerswithleadersinbusinessandsocietytotackletheirmostimportantchallengesandcapturetheirgreatestopportunities.BCGwasthepioneerinbusinessstrategywhenitwasfoundedin1963.Today,weworkcloselywithclientstoembraceatransformationalapproachaimedatbenefitingallstakeholders—empoweringorganizationstogrow,buildsustainablecompetitiveadvantage,anddrivepositivesocietalimpact.Ourdiverse,globalteamsbringdeepindustryandfunctionalexpertiseandarangeofperspectivesthatquestionthestatusquoandsparkchange.BCGdeliverssolutionsthroughleading-edgemanagementconsulting,technologyanddesign,andcorporateanddigitalventures.Weworkinauniquelycollaborativemodelacrossthefirmandthroughoutalllevelsoftheclientorganization,fueledbythegoalofhelpingourclientsthriveandenablingthemtomaketheworldabetterplace.GoogleCloudGoogleCloudisthenewwaytothecloud,providingAI,infrastructure,developer,data,security,andcollaborationtoolsbuiltfortodayandtomorrow.GoogleCloudoffersapowerful,optimizedAIstackwithitsownplanet-scaleinfrastructure,custom-builtchips,generativeAImodelsanddevelopmentplatform,aswellasAI-poweredapplications,tohelporganizationstransform.Customersinmorethan200countriesandterritoriesturntoGoogleCloudastheirtrustedtechnologypartnerThisreportistheoutcomeofacollaborationbetweenGoogleCloudandBCG.BCG

Contents01Introduction02Thetrueopportunityof(Gen)AIforBanks03Whatisdrivingthegapbetweenpotentialandperformance?04Rethinkingthepathtogetaheadwith(Gen)AI05GenAIAgenticAITechnologyforBanking06Calltoaction:TheScalingAIPlayboo