The document discusses the evolution and future of AI in banking. It describes how AI has progressed from rule-based systems to more advanced machine learning and how banks are now applying AI. It discusses how banks are using AI for tasks like customer onboarding, risk management, and personalized investment products. The document also addresses the need to reevaluate AI uses for ethical, privacy, and regulatory reasons. Finally, it speculates that AI may revolutionize banking by creating highly personalized digital-only banks or having AI systems replace bank CEOs in the future.

1. AI
DIGITAL (R)EVOLUTION IN
BANKING
Cryptica 2023
Miroslav Marinković

2. Agenda
Evolution AI practice Re-Evaluation Revolution
 Evolution
 AI Practice
 Re-Evaluation
 Revolution

3. EVOLUTION

4. ’70 - 90 2000 Today
Rule based system
More ML not AI
Machine learning toward
AI
ML -> AI
Generative & Applied AI
EVOLUTION

5. AI
PRACTICE

6. AI PRACTICE
LLM
Biometrics
KYC / KYB
CRM
based on ML/AI
Risk management

7. AI PRACTICE
Prediction
models
Operational
efficiency
Investment
products
Cyber security

8. REEVALUATION

9. AI
for empleyee
AI
for client
REEVALUATION

10. Ethics Opel LLM
GDPR
Regulator
knowledge
REEVALUATION

11. REVOLUTION

12. REVOLUTION
AI BANK
=
PRIVATE
EXPERIANCE BANK

13. REVOLUTION
AI BANK?

14. REVOLUTION
NO BANK?

15. REVOLUTION
AI CEO?

16. Q & A
?

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