未来之路——人工智能与金融服务的未来2020（英文）

The road ahead: Artificial intelligence and the future of financial servicesCOMMISSIONED BY2The road ahead: Artificial intelligence and the future of financial services© The Economist Intelligence Unit Limited 2020Contents3 About the research 4 Executive summary6 Who is leading the race for AI?8 Main benefits11 True measures of success13 A transformational journey14 Overcoming legacy systems and other barriers16 The upskilling revolution18 Conclusion3The road ahead: Artificial intelligence and the future of financial services© The Economist Intelligence Unit Limited 2020About the researchThe road ahead: Artificial intelligence and the future of financial services is an Economist Intelligence Unit report, commissioned by ThoughtSpot. The report analyses the results from a survey of 200 business executives and C-suite managers performing both information technology (IT) and non-IT functions at investment and retail banks and insurance companies. The survey examines where and to what degree artificial intelligence (AI) technologies are being adopted within the financial services industry, how these institutions measure its success and what challenges remain to be overcome.Through our survey and in-depth interviews with leading experts we sought to determine how these changes will shape the financial services industry in the coming years.Our thanks are due to the following individuals for their time and insight:• Cary Krosinsky, lecturer, sustainable finance, Yale School of Management• Kerry Peacock, chief of operations EMEA and international head of operations, MUFG Bank (London Branch)• Alaa Saeed, managing director and global head, Institutional eSales and Client eCom Products, Citibank (London Branch)This report was authored by Dewi John and edited by Katya Kocourek.4The road ahead: Artificial intelligence and the future of financial services© The Economist Intelligence Unit Limited 2020Executive summaryThe financial services industry has long been an early adopter of technology. The telegraph system was still a novel idea when Western Union began using it for money transfers in the mid-19th century. Online banking emerged in the mid-1990s, half a decade after the internet and well before most people had an email account. This revolution in technology has gone from gathering data to connecting people. The next stage will be providing valuable interpretations of that data for those, now networked, people. As artificial intelligence (AI) is increasingly considered the new engine of growth in the modern age, different financial sectors—investment banks, retail banks and insurers—have been incorporating it into their systems with varying degrees of success. These trends are surveyed and analysed here as well as the ways in which AI is being used.Key findings of the study are:• Investment banks emerge from the survey as trendsetters. In terms of AI adoption, investment banks are followed by their retail peers. Insurers trail behind, probably because