More AI is ≠ better credit decisioning

Banks have been deploying GenAI across the credit lifecycle, but many have yet to realise the productivity gains they expected.

The key question is not whether AI works. It's whether banks can integrate AI effectively with the data, workflows, governance frameworks and human judgment that drive better decision-making at scale.

Our analysis of 30 large US-listed banks shows that while AI investment and adoption increased sharply between 2023 and 2025, average efficiency ratios improved by less than two percentage points.

Read our point of view on why connected execution, rather than standalone AI adoption, represents the next frontier in banking.

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