{"id":110580,"date":"2025-02-26T05:44:21","date_gmt":"2025-02-26T05:44:21","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/balancing-ai-hype-and-practical-innovation\/"},"modified":"2025-02-26T05:44:21","modified_gmt":"2025-02-26T05:44:21","slug":"balancing-ai-hype-and-practical-innovation","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=110580","title":{"rendered":"Balancing AI Hype And Practical Innovation"},"content":{"rendered":"


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Investment in AI is soaring, yet its real-world utility is still evolving, with many viewing it as an emerging technology.<\/em><\/h2>\n

While the financial sector has been using artificial intelligence in one form or another for several years, the recent uptick in AI-related activity and investment is sharpening the focus on how far and fast these new technologies can be scaled. According to the latest Infosys Bank Tech Index, global banks allocated 29% of their technology budgets to AI in Q3 2024, up from 20% in Q1\u2014an overall increase of nine percentage points.\u00a0<\/p>\n

A study from IDC forecasts global AI investment in systems, services, and platforms to reach $300 billion by 2026, driving a compound annual growth rate of 26.5% since 2022\u2014with financial services anticipated to account for a significant share.<\/p>\n

Among the drivers of this surge, arguably, was the 2022 launch of ChatGPT. Since then, according to Goldman Sachs, $45 billion of inflation-adjusted investment has been committed to AI technology in the US alone as of the third quarter of last year.<\/p>\n

In this new era, \u0130\u015fbank is at the forefront. \u201cAs a pioneer in financial technology, our mission is to deliver seamless, hyper-personalized experiences through the strategic integration of cutting-edge innovations,\u201d says Sezgin L\u00fcle, deputy CEO of the Istanbul-based bank. \u201cAmong these, AI stands out as a cornerstone for reshaping the banking sector and redefining customer experience.\u201d<\/p>\n

Today, AI is at the core of \u0130\u015fbank\u2019s plans.<\/p>\n

\u201cBy enabling predictive analytics, hyper-personalized services, and enhanced operational efficiencies,\u201d L\u00fcle says, \u201cAI is not just a technological advancement. It is a driving force for reshaping the financial ecosystem.\u201d<\/p>\n

Another institution leading the charge is S\u00e3o Paulo-based Nubank. CTO Vitor Olivier says predictive AI enables it to gain leverage and deliver value in a competitive landscape.<\/p>\n

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Olivier, Nubank: From the very beginning, it was all about big data.<\/em><\/strong><\/figcaption><\/figure>\n<\/div>\n
<\/p>\n

\u201cWe felt from the very beginning that it was all going to be about big data,\u201d Olivier says, \u201cabout the right infrastructure fetching as much data as possible, applying the right algorithms, the right policies and frameworks to allow us to be more precise at a bigger scale and to deliver higher confidence decisions at a larger scale and a lower cost.\u201d<\/p>\n

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For the past three years, Nubank has been wielding GenAI tools to interact with customers and help them better understand their financial situation.The neobank expects AI to be a growth driver for both its business and its customers\u2014and not just in its home market. While international growth in the banking sector has largely been through M&A, Nubank is betting it can grow organically across borders through new lower-cost platforms, enabling it to approve more customers, bank more people, and offer more competitive products.<\/p>\n

\u201cWe were born as mobile native,\u201d says Olivier. \u201cWe don\u2019t have any branches, so all our over 100 million customers are banked through the app.\u201d<\/p>\n<\/div>\n<\/div>\n

While the smartphone has put a bank branch in everybody\u2019s pocket, AI puts a banker in everybody\u2019s pocket, providing customized insights and nudging customers to think in ways that generate better decisions.<\/p>\n

\u201cI think that\u2019s the next wave,\u201d Olivier predicts. \u201cIt\u2019s around optimizing people\u2019s lives through technology and giving them greater confidence that they are making the right decisions to manage their finances.\u201d<\/p>\n

Hyperscaling<\/h2>\n

Nubank has several partnerships in place, primarily focused on operations, productivity, and infrastructure, several of these with hyperscalers: cloud service providers that furnish services such as computing and storage at enterprise scale.<\/p>\n

Hyperscalers arguably have made themselves critical to any expansive AI strategy. In the US, they spent around $200 billion on AI in 2024, according to Goldman Sachs, a number it expects to increase to $250 billion this year. For Standard Bank Group, that\u2019s where much of the investment is focused.<\/p>\n

\u201cUltimately, you go from on-premises computing power to third-party hyperscaler computing power and that\u2019s most probably where your investment will be,\u201d argues Standard Bank CIO J\u00f6rg Fischer. At this stage, the firm measures its primary AI investment in time rather than money.<\/p>\n

As technology advances, Fischer expects it to become an integral part of daily operations. That said, it will be some time before AI\u2019s impact can be claimed to be \u201cprofound.\u201d In the meantime, Standard Bank is firmly focused on \u201cnext-level\u201d productivity enhancement incorporating AI.<\/p>\n

\u201cWe are really pushing AI now, and are using it on a daily basis,\u201d Fischer says. That means working with multiple technology vendors. He\u2019s also nervous when it comes to client-facing AI. Human oversight must keep AI from running \u201ctotally wildly\u201d\u2014bringing with it a range of reputational risks\u2014from errors, to ethical concerns, or even liability, he adds.<\/p>\n

As with previous computing innovations, AI\u2019s benefits depend on confidence levels, making pre-adoption testing essential. Following the \u201cinitial exuberance,\u201d says Satish Babu, principal engineer at Standard Bank, banks are addressing the practical question of how to make AI the basis of a robust set of products that address genuine customer needs.<\/p>\n

\u201cWe do viability assessments early in the cycle, to see if an idea will give us a reasonable return,\u201d he says. \u201cThere\u2019s an element of unknown until we do the testing, but we do make quick judgments about return on investment.<\/p>\n

\u201cWe always look at the hype as \u2018the art of the possible\u2019 and then work out how that applies to our situation and if it makes sense for us. There\u2019s definitely an exuberant hype on what the technology can provide, and I believe it will live up to that at some point in time. But we are quite some distance from there.\u201d<\/p>\n

For some areas of financial services, the horizon is further off. \u201cAlthough we expect AI technology will help enhance returns, we don\u2019t see fully automated investment funds in the near future,\u201d Hidekazu Ishida, an adviser to Global Financial City Tokyo (FinCity.Tokyo), says. \u201cIt is because good investment judgments are highly subjective and unique, and the current AI technology does not come close.\u201d<\/p>\n

That said, some investment managers are trying to utilize AI.<\/p>\n

\u201cJust as Japanese chess players train themselves with AI players, fund managers will increasingly use AI technology to gather and process information,\u201d says Ishida. \u201cWe hear that some fund managers are using AI to replace sell-side research. We also hear that some are trying to use non-financial data to assess the speed of management change.\u201d Quantitative tools tend to lag behind change in management behavior, but AI, combined with fund manager creativity, will eventually help investors achieve higher returns, he adds.<\/p>\n

Uneven Progress<\/h2>\n

Attitudes toward the promise of AI are far from even across global financial markets. Parts of the sector remain fixated on leveraging AI for incremental productivity gains or competitive advantage, rather than focusing on its potential to disrupt and transform, observes Dennis Flynn, AI strategist and senior research fellow at the Centre for Sustainable Business, University College London.<\/p>\n

\u201cBy significantly enhancing predictive accuracy,\u201d Flynn contends, \u201cAI could narrow or even eliminate arbitrage opportunities, forcing a reevaluation of the risk-reward dynamics that underpin modern markets. Those who embrace this paradigm shift, rather than clinging to outdated models, will emerge as the real winners. AI should empower us to achieve more with the same resources, not simply do the same with less. Letting go of familiar ways of working is difficult, but we are beginning to see a shift in mindset.\u201d<\/p>\n

For many banks, however, AI is already central to improving operational efficiency, enhancing decision-making, and expanding product offerings, with strategic partnerships helping them to scale these advantages and speed innovation.<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"

Investment in AI is soaring, yet its real-world utility is still evolving, with many viewing it as an emerging technology. While the financial sector has been using artificial intelligence in one form or another for several years, the recent uptick in AI-related activity and investment is sharpening the focus on how far and fast these […]<\/p>\n","protected":false},"author":1,"featured_media":110584,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11313,19147,11187,2058],"dealstore":[],"offerexpiration":[],"class_list":["post-110580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-balancing","tag-hype","tag-innovation","tag-practical"],"yoast_head":"\nBalancing AI Hype And Practical Innovation - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=110580\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Balancing AI Hype And Practical Innovation - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Investment in AI is soaring, yet its real-world utility is still evolving, with many viewing it as an emerging technology. 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