2025-加速银行业生成式AI潜能向利润转化之路-BCG&Google Cloud-24页

Accelerating the Path from GenAI Potential to Profit in BankingJanuary 2026 By Davids Tjhin, Tushar Agarwal, Harish Koundinya, Sai Prasad Kolluri, Asif Saleem, and Kunal TalwarBoston Consulting Group Boston Consulting Group partners with leaders in business and society to tackle their most important challenges and capture their greatest opportunities. BCG was the pioneer in business strategy when it was founded in 1963. Today, we work closely with clients to embrace a transformational approach aimed at benefiting all stakeholders—empowering organizations to grow, build sustainable competitive advantage, and drive positive societal impact.Our diverse, global teams bring deep industry and functional expertise and a range of perspectives that question the status quo and spark change. BCG delivers solutions through leading-edge management consulting, technology and design, and corporate and digital ventures. We work in a uniquely collaborative model across the firm and throughout all levels of the client organization, fueled by the goal of helping our clients thrive and enabling them to make the world a better place.Google Cloud Google Cloud is the new way to the cloud, providing AI, infrastructure, developer, data, security, and collaboration tools built for today and tomorrow. Google Cloud offers a powerful, optimized AI stack with its own planet-scale infrastructure, custom-built chips, generative AI models and development platform, as well as AI-powered applications, to help organizations transform. Customers in more than 200 countries and territories turn to Google Cloud as their trusted technology partnerThis report is the outcome of a collaboration between Google Cloud and BCG.Contents01 Introduction02 The true opportunity of (Gen)AI for Banks03 What is driving the gap between potential and performance?04 Rethinking the path to get ahead with (Gen)AI05 GenAI & Agentic AI Technology for Banking06 Call to action: The Scaling AI Playbook ACCELERATING THE PATH FROM GENAI POTENTIAL TO PROFIT IN BANKING 4BOSTON CONSULTING GROUP + GOOGLE CLOUDArtificial Intelligence (AI) has reshaped financial services over the past two decades. Today, the pace of change is accelerating once again.Predictive AI helped financial institutions defend against digital disruptors and streamline their operations. The arrival of generative AI (GenAI) amplified both opportunity and risk—raising new questions about value creation, trust, and responsible adoption.Agentic AI stretches the frontier further. By enabling systems to act autonomously, agentic AI moves beyond analysis into action, turning insight into execution.Leaders across the industry recognize that AI will drive a fundamental shift in how financial institutions operate, compete, and create value. In Boston Consulting Group’s (BCG) 2025 global survey of 1,250 executives, 75% ranked AI and GenAI among their top three strategic...