FinancialServicesPracticeCapturingthefullvalueofgenerativeAIinbankingSettingupgenerativeAIpilotsiseasy;scalingthemtocapturematerialvalueishard.Arecipeforsuccessisemerging.ThisarticleisacollaborativeeffortbyVishnuKamalnath,LarryLerner,JaredMoon,GökhanSari,VikSohoni,andShuoZhang,representingviewsfromMcKinsey’sFinancialServicesPractice.December2023GenerativeAI(genAI)burstontothesceneinearlyTheMcKinseyGlobalInstituteestimatesthatamong2023andisshowingclearlypositiveresults—andindustriesglobally,genAIcouldaddtheequivalentraisingnewpotentialrisks—fororganizationsworldof$2.6trillionto$4.4trillionannuallyinvalueacrosswide.Bankingleadersappeartobeonboard,the63usecasesitanalyzed.2Amongindustryevenwiththepossiblecomplications.Two-thirdsofsectors,bankingisexpectedtohaveoneofseniordigitalandanalyticsleadersattendingathelargestopportunities:anannualpotentialofrecentMcKinseyforumongenAI1saidtheybelieved$200billionto$340billion(equivalentto9tothatthetechnologywillfundamentallychange15percentofoperatingprofits),largelyfromthewaytheydobusiness.Thepressingquestionsincreasedproductivity(exhibit).3TheeconomicforbankinginstitutionsarehowandwheretoimpactwilllikelybenefitallbankingsegmentsandusegenAImosteffectively,andhowtoensurethefunctions,withthegreatestabsolutegainsinapplicationsarefullyadoptedandscaledwithinthecorporateand...
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