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Banks are bullish that artificial intelligence will help them achieve their business priorities, fueling back-office efficiency gains, product innovation and new business models. Our recent survey with The Economist Intelligence Unit (EIU) found technology decision-makers have a “clear strategy” for using AI to achieve their goals – balancing business benefits against increasing complexity and risk. But on which business areas are banks focusing their AI investments, what barriers to adoption remain and what is the role of explainable AI in the future of banking?

The widespread uptake of disruptive new technologies is exacerbating the pressures facing retail banking today, thereby driving a fundamental change in the structure of the industry: the digital-driven disintermediation of the banking value chain.