BCG波士顿咨询&谷歌云：2026年银行业生成式AI潜能变现提速之路研究报告（英文版）

Artificial Intelligence (AI) has reshaped financial services over the past two decades. Today, the pace of change is accelerating once again. Predictive AI helped financial institutions defend against digital disruptors and streamline their operations. The arrival of generative AI (GenAI) amplified both opportunity and risk—raising new questions about value creation, trust, and responsible adoption. Agentic AI stretches the frontier further. By enabling systems to act autonomously, agentic AI