{"id":219218,"date":"2026-09-22T09:09:26","date_gmt":"2026-09-22T09:09:26","guid":{"rendered":"https:\/\/10pearls.com\/uk\/?p=219218"},"modified":"2026-10-05T10:50:08","modified_gmt":"2026-10-05T10:50:08","slug":"ai-in-banking-use-cases","status":"publish","type":"post","link":"https:\/\/10pearls.com\/uk\/blog\/ai-in-banking-use-cases\/","title":{"rendered":"AI in Banking Use Cases: What Works and What Stalls"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"219218\" class=\"elementor elementor-219218\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b47792b e-flex e-con-boxed e-con e-parent\" data-id=\"b47792b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-243731e elementor-widget__width-initial indigo-h1 elementor-widget elementor-widget-heading\" data-id=\"243731e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Can Banks Operationalise AI Without Overcomplicating It?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e4fab6 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5e4fab6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"81\" height=\"81\" viewBox=\"0 0 81 81\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M41.9662 0.167969C54.7101 0.167969 65.9976 6.21222 73.207 15.5335C70.8038 14.2955 68.1822 13.4216 65.5606 12.8391L64.2498 12.6206L62.5749 12.4749H57.9871L56.1665 12.6206C45.1704 14.514 36.8686 22.2331 33.8829 32.6467C33.2275 34.9771 32.9362 37.3074 32.9362 39.7105C32.9362 44.5168 34.1014 49.2502 36.5773 53.4011C40.7282 60.392 48.0104 65.4168 56.5306 66.5819L58.3512 66.7276H62.7934L64.6139 66.5819C67.5996 66.0722 70.4397 65.1255 73.0613 63.7419C65.5606 73.4272 53.5449 79.5443 40.2184 78.9617C19.8282 78.0879 3.29751 61.5572 2.49646 41.1669C1.69541 18.7377 19.6825 0.167969 41.9662 0.167969ZM21.8672 65.6353H30.8972V14.1499H12.4003L17.862 23.4711H21.8672V65.6353Z\" fill=\"black\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M60.5396 20.9219C70.8803 20.9219 79.2549 29.2964 79.2549 39.6372C79.2549 49.978 70.8803 58.3526 60.5396 58.3526C50.1988 58.3526 41.8242 49.978 41.8242 39.6372C41.8242 29.2964 50.1988 20.9219 60.5396 20.9219Z\" fill=\"black\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">10Pearls Editorial Team<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">11 min read<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-433b190 e-flex e-con-boxed e-con e-parent\" data-id=\"433b190\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-694f909 e-con-full e-flex e-con e-child\" data-id=\"694f909\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-920665e elementor-widget elementor-widget-heading\" data-id=\"920665e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Summary<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff735c5 elementor-widget elementor-widget-text-editor\" data-id=\"ff735c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI is transforming banking through fraud detection, <span data-teams=\"true\">personalised <\/span>customer experiences, credit decisioning, compliance, cybersecurity, and process automation. To <span data-teams=\"true\">operationalise <\/span>AI at scale, banks need modern data and cloud infrastructure, strong governance, responsible AI practices, legacy-system integration, and workforce adoption while balancing innovation with security, regulatory, and accuracy risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c5b7e5 e-con-full e-flex e-con e-child\" data-id=\"7c5b7e5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5414ef1 e-con-full e-flex e-con e-child\" data-id=\"5414ef1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-239b9c8 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"239b9c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI is transforming banking through fraud detection, <span data-teams=\"true\">personalised <\/span>customer experiences, credit decisioning, compliance, cybersecurity, and process automation. To <span data-teams=\"true\">operationalise <\/span>AI at scale, banks need modern data and cloud infrastructure, strong governance, responsible AI practices, legacy-system integration, and workforce adoption while balancing innovation with security, regulatory, and accuracy risks.\u00a0<\/p><p>AI in banking is restructuring the basic logic behind the sector&#8217;s main functions, from fraud detection, credit decisioning, and compliance monitoring to customer engagement. McKinsey estimates banks could potentially deliver $1 trillion in annual value through strategic AI adoption. Yet most banks are still running pilots, managing legacy data, and waiting for clearer regulatory signals to <span data-teams=\"true\">operationalise <\/span>AI. The gap between institutions that are deploying AI in banking use cases at a larger scale and those still scoping use cases is widening fast. This competitive race between banks can only be won by those who take an \u201cAI-first\u201d approach.\u00a0\u00a0<\/p><p>This blog breaks down where AI is having the most impact on banking today, and the steps banks need to take in order to lead, not just participate.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb6199 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"5bb6199\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"01\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The state of AI in banking today<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69cddbc section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"69cddbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The AI in banking use cases have moved well past early experimentation. The argument this year isn\u2019t whether banks should adopt AI, but how they can <span data-teams=\"true\">operationalise <\/span>it to create tailwinds impacting revenue and operations. AI in banking plays a significant role in enhancing data analysis, boosting customer engagement, and predicting trends and fraud risks.\u00a0\u00a0\u00a0<\/p><p>Research by PWC indicates that AI can drive a <a href=\"https:\/\/www.pwc.com\/us\/en\/industries\/financial-services\/library\/how-ai-is-reshaping-banking.html\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"text-decoration: underline;\">15-percentage-point<\/span><\/a> improvement in your bank\u2019s efficiency ratio. For example, banks with higher AI maturity can capture more money from the market by anticipating customer needs without a proportional increase in costs.<\/p><p>Over the past few years, banks have been using AI and ML to automate repetitive tasks, but now, with the integration of big data and cloud platforms, AI in banking use cases have evolved into an ecosystem of intelligent systems. Some banks have started driving predictive insights, <span data-teams=\"true\">analysing <\/span>large volumes of data points to flag suspicious activity, <span data-teams=\"true\">personalise <\/span>product offerings, assess creditworthiness, etc.\u00a0\u00a0\u00a0<\/p><p>Yet despite the opportunity, a significant gap persists between ambition and execution. Success of in AI in banking use cases requires a holistic transformation spanning multiple layers within the <span data-teams=\"true\">organisation<\/span>, which is where most <span data-teams=\"true\">organisations <\/span>often stall. The banks closing that gap aren&#8217;t necessarily the biggest; they&#8217;re the ones that have stopped treating AI as a technology initiative and started treating it as an operating model decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4847237 section-head-margin-bottom elementor-widget elementor-widget-image\" data-id=\"4847237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-1024x683.webp\" class=\"attachment-large size-large wp-image-219193\" alt=\"\" srcset=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-1024x683.webp 1024w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-300x200.webp 300w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-768x512.webp 768w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-1536x1024.webp 1536w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-2048x1366.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45d68ff indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"45d68ff\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"02\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AI in banking use cases<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be83803 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"be83803\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI enables innovation across various banking sectors, with diverse AI in banking use cases spanning retail, commercial, and investment banking. In order to gain the maximum benefit from AI and ML, banks need to incorporate it throughout the organisation across front, middle, and back offices to automate tasks, understand market dynamics and customer <span data-teams=\"true\">behaviours<\/span>, <span data-teams=\"true\">analyse <\/span>digital interactions, and provide engagement that resembles human intelligence and interaction but on a larger scale.\u00a0\u00a0\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7222c9b e-con-full e-grid section-head-margin-bottom e-con e-child\" data-id=\"7222c9b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da7ec7c elementor-widget elementor-widget-image-box\" data-id=\"da7ec7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Customised customer interactions<\/h3><p class=\"elementor-image-box-description\">AI-powered chatbots handle routine enquiries across digital channels, help customers get answers faster, and allow agents to focus on more complex issues.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-629cf5b elementor-widget elementor-widget-image-box\" data-id=\"629cf5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Identity verification &amp; fraud prevention<\/h3><p class=\"elementor-image-box-description\">OCR and machine learning help verify identity documents during onboarding, reducing fraud risk and speeding up customer verification.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67b00cd elementor-widget elementor-widget-image-box\" data-id=\"67b00cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Anomaly detection<\/h3><p class=\"elementor-image-box-description\">Machine learning analyses transactions in real time to identify suspicious activity linked to fraud, money laundering, and other financial crimes.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e847c3e elementor-widget elementor-widget-image-box\" data-id=\"e847c3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Regulatory compliance<\/h3><p class=\"elementor-image-box-description\">Monitor transactions and operational activity against regulatory requirements to help compliance teams identify potential issues and streamline reporting.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-119d436 elementor-widget elementor-widget-image-box\" data-id=\"119d436\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Process automation<\/h3><p class=\"elementor-image-box-description\">Automate repetitive tasks such as data entry, reconciliation, and account updates to reduce manual effort and human error.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-356b660 elementor-widget elementor-widget-image-box\" data-id=\"356b660\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Wealth &amp; investment management<\/h3><p class=\"elementor-image-box-description\">Analyse market trends, portfolio performance, and investor preferences to support research, portfolio planning, and personalised financial advice.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d708263 elementor-widget elementor-widget-image-box\" data-id=\"d708263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Loan &amp; credit analysis<\/h3><p class=\"elementor-image-box-description\">Evaluate borrower risk using a broader range of data sources, enabling faster credit decisions and more accurate risk assessments.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a15e4b8 elementor-widget elementor-widget-image-box\" data-id=\"a15e4b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Speech recognition<\/h3><p class=\"elementor-image-box-description\">Convert customer conversations into searchable text, helping banks uncover insights and improve service quality across contact centres.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72a73ec elementor-widget elementor-widget-image-box\" data-id=\"72a73ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Sentiment analysis<\/h3><p class=\"elementor-image-box-description\">Analyse the sentiments in the text using Natural Language AI to identify concerns early and improve engagement across service channels.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1949fff elementor-widget elementor-widget-image-box\" data-id=\"1949fff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Personalised recommendations<\/h3><p class=\"elementor-image-box-description\">Deliver tailored product and service recommendations based on customer behaviour, financial goals, and risk preferences.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa34cf9 elementor-widget elementor-widget-image-box\" data-id=\"fa34cf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Multilingual translation<\/h3><p class=\"elementor-image-box-description\">Make your content multilingual with dynamic machine translation to enhance customer interactions, accessibility, and reach.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd41dad elementor-widget elementor-widget-image-box\" data-id=\"dd41dad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Document processing<\/h3><p class=\"elementor-image-box-description\">Extract, organise, and analyse information from documents to enable efficient search, retrieval, and storage for document-intensive workflows such as loan servicing and investment opportunity discovery.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd0e898 elementor-widget elementor-widget-image-box\" data-id=\"cd0e898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Predictive modelling<\/h3><p class=\"elementor-image-box-description\">Use customer, transaction, or trading data insights to predict specific future outcomes with high precision. These capabilities support the identification of fraud and risk, as well as the prediction of customers' future needs.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a7a1b0 elementor-widget elementor-widget-image-box\" data-id=\"5a7a1b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cybersecurity<\/h3><p class=\"elementor-image-box-description\">Continuous monitoring and analysis of network traffic to detect, prevent, and respond to cyber threats, enhancing banking and data security.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0b3731 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"c0b3731\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"03\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">GenAI in banking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea47412 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"ea47412\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>According to <a href=\"https:\/\/www.pwc.com\/m1\/en\/publications\/documents\/2024\/leveraging-genAI-in-banking.pdf\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"text-decoration: underline;\">PWC\u2019s CEO survey,<\/span><\/a> leaders expect technologies like GenAI and Machine Learning (ML) to be a major driver in <span data-teams=\"true\">optimising <\/span>costs, creating new revenue streams and improving customer experience within their organisations.<\/p><p>Generative AI can create new content, including text, images, videos, audio, and computer code. In banking, much of the work involves contracts, reports, and complex documents. Generative AI can quickly read, <span data-teams=\"true\">summarise<\/span>, and explain this kind of information, which helps employees work faster and focus more on customers.<\/p><p>A leading example of generative AI in banking is <a href=\"https:\/\/openai.com\/index\/morgan-stanley\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"text-decoration: underline;\">Morgan Stanley&#8217;s AI-powered assistant<\/span><\/a> for wealth management advisors that was built in collaboration with OpenAI using GPT-4. The system enabled advisors to search the firm&#8217;s extensive knowledge base using natural language, quickly retrieving research insights and client-relevant information. According to Morgan Stanley and OpenAI, more than 98% of advisor teams have adopted the tool, helping advisors respond to client needs more efficiently and focus on higher-value relationship building.<\/p><p>David Wu, Head of Firmwide AI Product &amp; Architecture Strategy at Morgan Stanley, highlighted the efficiency gains enabled by generative AI:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-737daba e-con-full e-flex e-con e-child\" data-id=\"737daba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db81f6e indigo-h4  elementor-widget elementor-widget-heading\" data-id=\"db81f6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">\u201cWe went from being able to answer <b>7,000<\/b> questions to a place where we can now effectively answer any question from a corpus of <b>100,000<\/b> documents.\u201d<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96b811e indigo-h3 section-head-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"96b811e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Practical Uses in Financial Services<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-05bc0a2 e-con-full e-grid section-head-margin-bottom e-con e-child\" data-id=\"05bc0a2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-613578c elementor-widget elementor-widget-image-box\" data-id=\"613578c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Financial document search &amp; summarisation<\/h3><p class=\"elementor-image-box-description\">Banks handle large volumes of documents such as contracts, policies, and regulatory reports. Generative AI can quickly search through these files and summarise key points. It can also help create reports and prepare materials for client meetings.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6c2f5 elementor-widget elementor-widget-image-box\" data-id=\"4b6c2f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Improved virtual assistants<\/h3><p class=\"elementor-image-box-description\">AI-powered assistants can answer customer questions, including complex ones not covered in standard chatbot scripts. They can also help resolve issues such as fraud cases by pulling information from multiple sources and explaining it clearly.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-060f53f elementor-widget elementor-widget-image-box\" data-id=\"060f53f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Market &amp; investment research<\/h3><p class=\"elementor-image-box-description\">Investment firms need to review large amounts of financial data, including earnings reports, filings, and market updates. Generative AI can help analyse this information and highlight the most important insights.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24df6a5 elementor-widget elementor-widget-image-box\" data-id=\"24df6a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Regulation &amp; compliance support<\/h3><p class=\"elementor-image-box-description\">Compliance requirements in the financial industry change often and can be complex to adhere to. Generative AI can help developers and compliance teams understand these changes, summarise requirements, and support updates to systems and code.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6f44ae elementor-widget elementor-widget-image-box\" data-id=\"f6f44ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Personalised financial advice<\/h3><p class=\"elementor-image-box-description\">Banks already use data to suggest products to customers, but generative AI makes it easier to turn these insights into personalised messages. It can help create tailored recommendations in emails, apps, and other customer communications.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6e9985 section-head-margin-bottom elementor-widget elementor-widget-image\" data-id=\"b6e9985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-1024x683.webp\" class=\"attachment-large size-large wp-image-219193\" alt=\"\" srcset=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-1024x683.webp 1024w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-300x200.webp 300w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-768x512.webp 768w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-1536x1024.webp 1536w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-fold-1-2048x1366.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c38dbb indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"2c38dbb\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"04\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits of AI in banking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ace09d4 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"ace09d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are a number of benefits a bank can gain by implementing AI in banking use cases across its systems and offices.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c127c1 indigo-h3 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"1c127c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Better APIs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-087d0fa section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"087d0fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banks use APIs to connect with other apps, enabling customers to track and manage their money. AI improves security and automates routine tasks, making these systems more effective.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc8ff49 indigo-h3 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"bc8ff49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Better customer tools<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6145193 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"6145193\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI helps banks improve customer service through chatbots and virtual assistants. It can also support budgeting apps that help customers manage their finances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf4190 indigo-h3 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"5cf4190\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Smarter credit scoring<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d735fd section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"1d735fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banks use customer data to decide whether to approve credit cards, credit limit increases, and other requests. AI helps <span data-teams=\"true\">analyse <\/span>this data and speed up decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4063b29 indigo-h3 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"4063b29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Better security &amp; fraud detection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b608bfc section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"b608bfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI helps banks detect fraud and cyber threats more quickly. It can also help prevent crimes such as money laundering and identity fraud.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfa92d8 indigo-h3 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"bfa92d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Embedded banking<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-218950d section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"218950d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banking services are increasingly being added to non-banking apps and platforms. AI helps companies understand customer needs, assess credit risk, and provide more <span data-teams=\"true\">personalised <\/span>services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97176b0 indigo-h3 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"97176b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">New opportunities<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48c83c8 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"48c83c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI helps banks identify growth opportunities, improve lending decisions, and spot customers who may be considering closing their accounts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-380a2cb indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"380a2cb\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"05\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Risks, challenges, &amp; responsible AI in banking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a0cadb section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"1a0cadb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI is a developing technology that brings many benefits to its users, but it&#8217;s not free from risks and challenges. Some of the challenges of AI in banking as are follows:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47954aa e-con-full e-flex e-con e-child\" data-id=\"47954aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5afd9d indigo-h4 elementor-widget elementor-widget-icon-box\" data-id=\"d5afd9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCybersecurity\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhile GenAI can be used to prevent fraud and compliance issues, it can also pose some threats. Using open AI tools in a banking IT system can lead to security risks, as they are valuable targets for malicious actors.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2b3521 e-con-full e-flex e-con e-child\" data-id=\"a2b3521\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6dffb9 indigo-h4 elementor-widget elementor-widget-icon-box\" data-id=\"e6dffb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRegulatory uncertainty\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSince the use of AI in banking is still evolving, regulations are often unclear or inconsistent across regions. This makes compliance more challenging, especially when handling sensitive customer data.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eddb78a e-con-full e-flex e-con e-child\" data-id=\"eddb78a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d58ca60 indigo-h4 elementor-widget elementor-widget-icon-box\" data-id=\"d58ca60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAccuracy &amp; explainability\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAI models do not currently understand or reason about the outputs they deliver; rather, they detect patterns and generate results accordingly. Therefore, they cannot tell whether the data is accurate, and in many circumstances, especially in banking, explainability is necessary.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6127d8b e-con-full e-flex e-con e-child\" data-id=\"6127d8b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89d7fb9 indigo-h4 elementor-widget elementor-widget-icon-box\" data-id=\"89d7fb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBias in AI models\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAI models are trained on human data and can sometimes inherit the biases that influence humans. Banks need to eliminate these biases when determining factors such as creditworthiness.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c751907 e-con-full e-flex e-con e-child\" data-id=\"c751907\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f40bcb1 indigo-h4 elementor-widget elementor-widget-icon-box\" data-id=\"f40bcb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLegacy system integration\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMany banks still rely on older IT systems, which makes integrating AI tools difficult. This often requires significant time, cost, and system upgrades.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e98c172 e-con-full e-flex e-con e-child\" data-id=\"e98c172\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8991daa indigo-h4 elementor-widget elementor-widget-icon-box\" data-id=\"8991daa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTalent gaps\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAI requires skilled professionals in data science, engineering, and governance, but these experts are in short supply. Banks must invest in hiring and training to bridge this gap.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe484a1 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"fe484a1\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"06\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The future of AI in banking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08db770 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"08db770\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banking institutions are under constant pressure to undergo digital transformation. Banking systems are prioritising AI investment to stay ahead of the competition and expand their money management and investment product portfolios. Customers are also <span data-teams=\"true\">prioritising <\/span>the banks that offer <span data-teams=\"true\">personalised <\/span>experiences and AI applications to gain visibility into their financial opportunities.<\/p><p>Winning in the AI era requires banks to act across five interconnected fronts: <span data-teams=\"true\">digitalising <\/span>financial services, driving operational efficiency, renewing risk management, investing in workforce education, and above all, leading with AI as a core business strategy. The race for exponential growth in banking will seemingly be won only by those who deploy AI advancements faster than their competitors and advertise their use of AI.<\/p><p>Another important aspect of advancing AI is encouraging adoption across the <span data-teams=\"true\">organisation<\/span>. An IMB study indicates that 59% of banking CEOs say cultural change matters more than technical challenges, and 65% believe people&#8217;s adoption will determine success more than the tools themselves; leaders need to take steps to support AI adoption within their teams.\u00a0<\/p><p>According to a Temenos survey, 60% of banking professionals see AI to augment their teams, not replace them, and the institutions embracing that mindset are the ones building AI into the foundation of their operations, not just layering it on top.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2fce7 indigo-h2 section-head-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"1e2fce7\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"07\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs about AI in banking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90913f3 section-head-margin-bottom elementor-widget-mobile__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"90913f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1510\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1510\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How is AI used in banking? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1510\" class=\"elementor-element elementor-element-317dddc e-con-full e-flex e-con e-child\" data-id=\"317dddc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd47d53 elementor-widget elementor-widget-text-editor\" data-id=\"cd47d53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are a number of AI in banking use cases across sub-sectors such as fraud detection, credit underwriting, customer service automation, cybersecurity, and personalisation. Banks deploy predictive models, natural language processing, and increasingly generative and agentic AI to automate decisions, reduce risk, improve customer experiences, and cut operational costs across front, middle, and back-office functions.\u00a0\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1511\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1511\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What's the difference between generative and agentic AI in banking? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1511\" class=\"elementor-element elementor-element-bcdf98e e-con-full e-flex e-con e-child\" data-id=\"bcdf98e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c516d4 elementor-widget elementor-widget-text-editor\" data-id=\"8c516d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Generative AI in banking produces content such as pictures, texts, summaries, drafts, and responses to prompts. Whereas agentic AI in banking executes multi-step workflows autonomously, it receives a goal, plans a sequence of actions, executes across tools and systems, and iterates towards a result with limited human input. Agentic AI is more powerful but also more complex to govern.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1512\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1512\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How can AI be integrated into legacy banking infrastructure? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1512\" class=\"elementor-element elementor-element-670dd0e e-con-full e-flex e-con e-child\" data-id=\"670dd0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d4f4a5 elementor-widget elementor-widget-text-editor\" data-id=\"7d4f4a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Instead of replacing the system outright, an API-first approach should be taken that layers AI into existing banking services and systems. Connect the new AI solutions to legacy systems through a modular architecture, modernise data pipelines for real-time access, and deploy solutions gradually to manage operational and regulatory risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1513\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1513\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How can banks and other financial institutions maintain customer trust through strong AI governance and security? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1513\" class=\"elementor-element elementor-element-ac9cd6f e-con-full e-flex e-con e-child\" data-id=\"ac9cd6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d834aa5 elementor-widget elementor-widget-text-editor\" data-id=\"d834aa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-teams=\"true\">Organisations <\/span>can maintain customer trust by using AI responsibly and establishing clear governance to ensure accountability, oversight and ethical use. Integrating AI risk management, cybersecurity, and data governance practices into existing processes, along with regular monitoring and transparent communication, helps ensure AI systems are aligned with customer expectations. Partnering up with <span data-teams=\"true\">organisations <\/span>such 10Pearls support this effort by implementing AI governance frameworks responsibly and managing risks effectively.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1514\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1514\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How does AI impact cybersecurity in banking? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1514\" class=\"elementor-element elementor-element-a433ef1 e-con-full e-flex e-con e-child\" data-id=\"a433ef1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-394574f elementor-widget elementor-widget-text-editor\" data-id=\"394574f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI can help banks strengthen cybersecurity by improving fraud detection, identifying unusual activity, and supporting compliance monitoring. However, AI systems can also create new security challenges, including risks related to data exposure, model vulnerabilities, and attacks targeting AI-powered systems. Banks need strong security controls and governance frameworks to use AI safely.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd1c254 e-con-full e-flex e-con e-child\" data-id=\"fd1c254\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42c85f7 elementor-widget elementor-widget-heading\" data-id=\"42c85f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">TABLE OF CONTENTS<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27cacdd elementor-widget elementor-widget-heading\" data-id=\"27cacdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#01\">The state of AI in banking today<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e99271 elementor-widget elementor-widget-heading\" data-id=\"1e99271\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#02\">AI in banking use cases<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0359a15 elementor-widget elementor-widget-heading\" data-id=\"0359a15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#03\">GenAI in banking<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dae3ce elementor-widget elementor-widget-heading\" data-id=\"6dae3ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#04\">Benefits of AI in banking<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe550e1 elementor-widget elementor-widget-heading\" data-id=\"fe550e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#05\">Risks, challenges, &amp; responsible AI in banking<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15dc3e2 elementor-widget elementor-widget-heading\" data-id=\"15dc3e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#06\">The future of AI in banking<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc728a8 elementor-widget elementor-widget-heading\" data-id=\"cc728a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#07\">FAQs about AI in banking<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a40b667 section-padding gradient-lefttoright-service e-flex e-con-boxed e-con e-child\" data-id=\"a40b667\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cbc41ca e-con-full e-flex e-con e-child\" data-id=\"cbc41ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fef556 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"6fef556\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Don\u2019t fall behind your competitors in operationalising AI in banking. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f51831 elementor-widget elementor-widget-text-editor\" data-id=\"4f51831\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><div>Whether you&#8217;re exploring your first use case or looking to scale existing initiatives, a structured approach can help you achieve results while managing risk. Contact our team to discuss how AI can support your business goals and deliver measurable value.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95b9eb5 indigo-btn indigo-btn--gradient elementor-widget elementor-widget-button\" data-id=\"95b9eb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\" target=\"_blank\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact now <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-745d906 section-padding e-flex e-con-boxed e-con e-parent\" data-id=\"745d906\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f88a2d indigo-h2 section-head-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"5f88a2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related blogs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b535c63 elementor-widget elementor-widget-insights_section_widget\" data-id=\"b535c63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"insights_section_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\t\t\/* \u2500\u2500 Widget wrapper \u2500\u2500 *\/\n\t\t#isw-b535c63 {\n\t\t\tposition: relative;\n\t\t\tpadding: 0 40px; \/* space for arrows on left\/right *\/\n\t\t\tbox-sizing: border-box;\n\t\t}\n\t\t#isw-b535c63 .isw-outer {\n\t\t\tposition: relative;\n\t\t\toverflow: hidden;\n\t\t\tpadding: 20px 0;\n\t\t\tmargin: -20px 0;\n\t\t}\n\t\t#isw-b535c63 .isw-track {\n\t\t\tdisplay: flex;\n\t\t\tflex-direction: row;\n\t\t\tflex-wrap: nowrap;\n\t\t\tgap: 20px;\n\t\t\ttransition: transform .5s cubic-bezier(.25,.46,.45,.94);\n\t\t\twill-change: transform;\n\t\t\talign-items: stretch;\n\t\t\tvisibility: hidden;\n\t\t}\n\t\t#isw-b535c63 .isw-slide { flex-shrink: 0; box-sizing: border-box; display: flex; }\n\n\t\t\/* \u2500\u2500 Card \u2014 no shadow by default, only on hover \u2500\u2500 *\/\n\t\t#isw-b535c63 .isw-card {\n\t\t\tborder-radius: 16px; overflow: hidden; width: 100%; flex: 1;\n\t\t\tposition: relative; height: 380px; background: #fff;\n\t\t\tbox-shadow: none;\n\t\t\ttransition: box-shadow .3s ease;\n\t\t}\n\t\t#isw-b535c63 .isw-card:hover {\n\t\t\tbox-shadow: 0px 14px 36px -8px rgba(99,102,241,0.2);\n\t\t}\n\n\t\t\/* Layer 1 \u2014 Image *\/\n\t\t#isw-b535c63 .isw-img-wrap {\n\t\t\tposition: absolute; top: 0; left: 0;\n\t\t\twidth: 100%; height: 100%; z-index: 1;\n\t\t}\n\t\t#isw-b535c63 .isw-img-wrap img {\n\t\t\twidth: 100%; height: 100%; display: block; object-fit: cover;\n\t\t}\n\n\t\t\/* Layer 2 \u2014 Text bar *\/\n\t\t#isw-b535c63 .isw-text-wrap {\n\t\t\tposition: absolute; bottom: 0; left: 0;\n\t\t\twidth: 100%; height: 35%; z-index: 2;\n\t\t\tbackground: #fff; padding: 16px 24px 20px;\n\t\t\tbox-sizing: border-box; display: flex; flex-direction: column;\n\t\t\tgap: 8px; overflow: hidden;\n\t\t\ttransition: height .35s cubic-bezier(.4,0,.2,1);\n\t\t}\n\t\t#isw-b535c63 .isw-card:hover .isw-text-wrap { height: 100%; }\n\n\t\t#isw-b535c63 .isw-excerpt-wrap,\n\t\t#isw-b535c63 .isw-readmore-wrap { display: none; }\n\t\t#isw-b535c63 .isw-card:hover .isw-excerpt-wrap { display: block; }\n\t\t#isw-b535c63 .isw-card:hover .isw-readmore-wrap { display: block; margin-top: auto; }\n\n\t\t\/* \u2500\u2500 Variation 2 overrides \u2500\u2500 *\/\n\t\t#isw-b535c63.isw-v2 .isw-card {\n\t\t\theight: 530px;\n\t\t\tborder-radius: 15px;\n\t\t\tbox-shadow: none;\n\t\t}\n\t\t#isw-b535c63.isw-v2 .isw-card:hover {\n\t\t\tbox-shadow: 0px 14px 36px -8px rgba(99,102,241,0.2);\n\t\t}\n\t\t#isw-b535c63.isw-v2 .isw-img-wrap {\n\t\t\tposition: absolute; top: 0; left: 0;\n\t\t\twidth: 100%; height: 100%; z-index: 1;\n\t\t}\n\t\t#isw-b535c63.isw-v2 .isw-img-wrap img {\n\t\t\twidth: 100%; height: 100%;\n\t\t\tposition: absolute; top: 0; left: 0;\n\t\t\tobject-fit: cover;\n\t\t}\n\t\t#isw-b535c63.isw-v2 .isw-text-wrap {\n\t\t\tposition: absolute; bottom: 0; left: 0;\n\t\t\twidth: 100%; height: 120px; z-index: 2;\n\t\t\tpadding: 12px 20px;\n\t\t\tbox-sizing: border-box; display: flex;\n\t\t\tflex-direction: column; gap: 6px;\n\t\t\toverflow: hidden; justify-content: center;\n\t\t\ttransition: height .2s ease-in-out, padding .2s ease-in-out;\n\t\t}\n\t\t#isw-b535c63.isw-v2 .isw-card:hover .isw-text-wrap {\n\t\t\theight: 100% !important;\n\t\t\tpadding: 24px 20px !important;\n\t\t\tjustify-content: flex-start !important;\n\t\t\toverflow-y: auto !important;\n\t\t}\n\t\t#isw-b535c63.isw-v2 .isw-title { margin-bottom: 4px !important; margin-top: 0 !important; }\n\t\t#isw-b535c63.isw-v2 .isw-excerpt { margin: 6px 0 !important; }\n\t\t#isw-b535c63.isw-v2 .isw-readmore { text-decoration: none; display: inline-block; }\n\t\t#isw-b535c63.isw-v2 .isw-card:hover .isw-excerpt-wrap { display: block; }\n\t\t#isw-b535c63.isw-v2 .isw-card:hover .isw-readmore-wrap {\n\t\t\tdisplay: flex; justify-content: flex-end; margin-top: auto;\n\t\t}\n\n\t\t\/* \u2500\u2500 Tag \u2014 no underline, same for V1 and V2 \u2500\u2500 *\/\n\t\t#isw-b535c63 .isw-tag {\n\t\t\tfont-family: \"Figtree\", sans-serif !important;\n\t\t\tfont-size: 14px !important;\n\t\t\tfont-weight: 600 !important;\n\t\t\ttext-transform: uppercase;\n\t\t\topacity: 0.75;\n\t\t\tmargin: 0;\n\t\t\tline-height: 18px;\n\t\t\tborder-bottom: none !important;\n\t\t\tdisplay: block;\n\t\t}\n\n\t\t\/* \u2500\u2500 Title \u2500\u2500 *\/\n\t\t#isw-b535c63 .isw-title {\n\t\t\tfont-family: \"Figtree\", sans-serif !important;\n\t\t\tfont-size: 20px !important;\n\t\t\tfont-weight: 700 !important;\n\t\t\tline-height: 24px !important;\n\t\t\tcolor: #171616 !important;\n\t\t\tmargin: 0;\n\t\t\tdisplay: -webkit-box;\n\t\t\t-webkit-line-clamp: 3;\n\t\t\t-webkit-box-orient: vertical;\n\t\t\toverflow: hidden;\n\t\t}\n\t\t#isw-b535c63 .isw-title a { color: inherit !important; text-decoration: none; }\n\n\t\t\/* \u2500\u2500 Arrows \u2014 outside the slider via widget padding \u2500\u2500 *\/\n\t\t#isw-b535c63 .isw-prev,\n\t\t#isw-b535c63 .isw-next {\n\t\t\tposition: absolute;\n\t\t\ttop: calc(50% - 30px); \/* vertically centered on card area *\/\n\t\t\ttransform: translateY(-50%);\n\t\t\tbackground: none !important;\n\t\t\tborder: none !important;\n\t\t\tbox-shadow: none !important;\n\t\t\tpadding: 0;\n\t\t\tcursor: pointer;\n\t\t\twidth: 24px; height: 24px;\n\t\t\tdisplay: flex;\n\t\t\talign-items: center; justify-content: center;\n\t\t\tz-index: 10;\n\t\t\toutline: none;\n\t\t}\n\t\t#isw-b535c63 .isw-prev { left: 4px; }\n\t\t#isw-b535c63 .isw-next { right: 4px; }\n\t\t#isw-b535c63 .isw-prev::after,\n\t\t#isw-b535c63 .isw-next::after,\n\t\t#isw-b535c63 .isw-prev::before,\n\t\t#isw-b535c63 .isw-next::before { display: none !important; content: none !important; }\n\t\t@media(max-width:768px){\n\t\t\t#isw-b535c63 .isw-prev,\n\t\t\t#isw-b535c63 .isw-next { display: none !important; }\n\t\t\t#isw-b535c63 { padding: 0; }\n\t\t\t\/* V2 mobile: fixed image height, card height follows *\/\n\t\t\t#isw-b535c63.isw-v2 .isw-card { height: 500px !important; }\n\t\t\t#isw-b535c63.isw-v2 .isw-img-wrap { height: 402px !important; }\n\t\t\t#isw-b535c63.isw-v2 .isw-img-wrap img { object-fit: fill !important; height: 95% !important; }\n\t\t}\n\n\t\t\/* Dots *\/\n\t\t#isw-b535c63 .isw-dots {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tjustify-content: center;\n\t\t\tgap: 16px;\n\t\t\tmargin-top: 32px;\n\t\t\theight: 36px;\n\t\t\tbox-sizing: content-box;\n\t\t}\n\t\t#isw-b535c63 .isw-dot {\n\t\t\twidth: 10px !important;\n\t\t\theight: 10px !important;\n\t\t\tborder-radius: 50% !important;\n\t\t\tbackground: var(--e-global-color-f527530) !important;\n\t\t\topacity: 0.25;\n\t\t\tcursor: pointer;\n\t\t\tborder: none !important;\n\t\t\tpadding: 0;\n\t\t\ttransition: width .25s ease, height .25s ease, opacity .25s ease, background .25s ease, border .25s ease;\n\t\t\tflex-shrink: 0;\n\t\t\tdisplay: block;\n\t\t\tbox-sizing: border-box;\n\t\t}\n\t\t#isw-b535c63 .isw-dot.active {\n\t\t\twidth: 14px !important;\n\t\t\theight: 14px !important;\n\t\t\topacity: 1 !important;\n\t\t\tbackground: var(--e-global-color-5d532a8) !important;\n\t\t\tborder: 3px solid var(--e-global-color-f527530) !important;\n\t\t}\n\n\t\t\/* Read More *\/\n\t\t#isw-b535c63 .isw-readmore {\n\t\t\tfont-size: 14px; font-weight: 600;\n\t\t\ttext-decoration: none; color: #171616 !important;\n\t\t\tborder-bottom: 1px solid #171616;\n\t\t\tdisplay: inline-block;\n\t\t}\n\t\t<\/style><div id=\"isw-b535c63\" class=\"isw-v2\"><button class=\"isw-prev\" aria-label=\"Previous\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M15.75 19.5L8.25 12L15.75 4.5\" stroke=\"#000\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button class=\"isw-next\" aria-label=\"Next\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M8.25 4.5L15.75 12L8.25 19.5\" stroke=\"#000\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><div class=\"isw-outer\"><div class=\"isw-track\"><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/aml-transaction-monitoring\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/aml-transaction-monitoring-thumbnail.webp\" alt=\"AML Transaction Monitoring and KYC: From Manual to AI\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/aml-transaction-monitoring\/\">AML Transaction Monitoring and KYC: From Manual to AI<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Traditional KYC and AML processes are struggling to keep up with modern financial crime. Learn how automation and AI are...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/aml-transaction-monitoring\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/top-fintech-app-development-companies\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/top-fintech-app-development-companies-2026-thumbnail.webp\" alt=\"Top 10 Fintech App Development Companies in 2026\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/top-fintech-app-development-companies\/\">Top 10 Fintech App Development Companies in 2026<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Looking for a reliable fintech app development partner? Explore the top fintech app development companies in 2026 and compare their...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/top-fintech-app-development-companies\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-in-banking-use-cases\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/AI-in-Banking-Use-Cases-Main-Blog-Thumbnail-1024x1024.webp\" alt=\"AI in Banking Use Cases: What Works and What Stalls\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-in-banking-use-cases\/\">AI in Banking Use Cases: What Works and What Stalls<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">A guide to AI in banking use cases, from fraud detection to document processing, the risks that stall them, and...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/ai-in-banking-use-cases\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/alternative-data-in-ai-credit-underwriting\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/What-is-Alternative-Data-Main-Blog-Thumbnail-1024x1024.webp\" alt=\"What is Alternative Data in AI Credit Underwriting\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/alternative-data-in-ai-credit-underwriting\/\">What is Alternative Data in AI Credit Underwriting<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">The CFPB dropped disparate impact from ECOA in April 2026. Here is what that changed for AI credit underwriting, and...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/alternative-data-in-ai-credit-underwriting\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/banking-as-a-service\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/banking-as-a-service-thumbnail.webp\" alt=\"Banking as a Service (BaaS): How It Works\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/banking-as-a-service\/\">Banking as a Service (BaaS): How It Works<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Learn what Banking as a Service (BaaS) is, how it powers embedded finance, and how non-banks integrate accounts, cards, payments,...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/banking-as-a-service\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/synthetic-identity-fraud\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/08\/Synthetic-Identity-Fraud-Featured-1024x1024.webp\" alt=\"Synthetic Identity Fraud Detection and Prevention\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/synthetic-identity-fraud\/\">Synthetic Identity Fraud Detection and Prevention<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Synthetic identity fraud is the fastest growing financial crime in the US. Understanding why that is and what its life...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/synthetic-identity-fraud\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/where-ai-creates-value-in-open-banking-data\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/Main-5-1024x1024.webp\" alt=\"How AI creates value with open banking data\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/where-ai-creates-value-in-open-banking-data\/\">How AI creates value with open banking data<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Every fintech company with an open banking licence in Saudi Arabia must build the basic infrastructure to receive open banking...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/where-ai-creates-value-in-open-banking-data\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/navigating-1033-compliance-in-fintech\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2025\/01\/navigating-1033-compliance-thumb.jpg\" alt=\"Key strategies for navigating 1033 compliance in finance\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/navigating-1033-compliance-in-fintech\/\">Key strategies for navigating 1033 compliance in finance<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">In its final rule, implementing section 1033 of the Dodd-Frank Act, the Consumer Financial Protection Bureau (CFPB) defined requirements that...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/navigating-1033-compliance-in-fintech\/\">Read More<\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"isw-dots\"><\/div><\/div><script>(function(){\n\t\t\tvar id       = \"isw-b535c63\";\n\t\t\tvar spvDesk  = 3;\n\t\t\tvar spvTab   = 2;\n\t\t\tvar gap      = 20;\n\t\t\tvar total    = 8;\n\t\t\tvar autoplay = true;\n\t\t\tvar autoSpd  = 5000;\n\t\t\tvar showDots = true;\n\n\t\t\tvar wrap  = document.getElementById(id);\n\t\t\tif(!wrap) return;\n\t\t\tvar outer  = 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