2024 年VS2030 年金融服务 AI.pdf

1、Financial services AI in 2024 vs.2030By:Grant EasterbrookLongtime Fintech/AI consultant and former founderTable of contents1.The current state of AI in financial services in 20242.The future state in 2030 3.How will Gen AI change the financial services industry?The current state of AI in financial s

2、ervices in 2024In 2024,the financial services industry primarily offers very basic chatbotsThe industry has not yet transitioned to Gen AI-based assistants Only a handful of fintech early movers offer a Gen AI assistantFinancial services lags behind other industriesWhat does the financial AI assista

3、nt of 2030*look like?*Exact date varies by vertical!What are the key capabilities that AI assistants will offer customers in 2030?Account analysis and suggestionsBudgeting and financial planning“Plain English”financial education/conversationAssist with trading/market researchSome key capabilities ar

4、e uncertain for 2030 they require a tech breakthroughGenerative AI can perform basic budgeting and financial planningBy 2030,all financial services firms will offer this technology to handle basic planning questions/needsAdvisors must focus on higher value activityBy 2030,Gen AI will be able to perf

5、orm very personalized planning/analysisAs of 2024,Gen AI assistants can only provide basic account analysisThe ability to converse in“plain English”dramatically improves the value of the AIGen AI assistants can help with trading research,but currently stop short of buy/sellPs Alpha AssistantAAAAAdva

6、nced capabilities with an uncertain 2030 outlookBuy/sell/hold trade adviceProduct recommendationsAdvanced tax minimization strategies“Painful to undo”products(e.g.,trusts,life insurance policies,etc.)Regulatory/liability concerns need to be overcome+tech breakthrough needed to re