IBM predicts triumph of generative AI in 2025
IBM has published its annual forecast of technological transformations in the global financial industry, predicting radical changes in the banking sector due to the implementation of generative artificial intelligence in 2025.
According to the IBM Institute for Business Value report, the banking industry is on the verge of massive changes. While in 2024 only 8% of banks systematically developed generative AI, and 78% used a tactical approach, in 2025 there is expected to be a transition from pilot projects to full-scale implementation, including agent artificial intelligence.
“We are observing significant changes in how generative AI is being implemented in the banking industry. Financial institutions are moving from broad experimentation to a strategic corporate approach with a priority on targeted application of this powerful technology,” noted Shanker Ramamurthy, Global Managing Director of IBM Consulting for Banking and Financial Markets.
The study identified several key trends:
– 60% of banking CEOs recognize the need to accept a certain level of risk to leverage automation benefits.
– More than 16% of clients worldwide are ready to fully transition to digital banking without physical branches.
– Competition is shifting from mass digital offerings to high-value-added services, including embedded financial and advisory services.
The analysis is based on data from eight major markets – USA, Canada, European Union, United Kingdom, Japan, China, and India. IBM predicts that in 2025, banks’ efforts will focus on using generative AI to improve customer service, increase operational efficiency, reduce risks, and modernize IT infrastructure.
Autor: AIvengo
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