BCG波士顿咨询：2026年从网点到智能体：AI代理将重塑零售银行吗？（英文版）

Banks have an abundance of attributes that sit squarely in AI’s sweet spot: enhanced customer support, personalization of service and offers, and automation of manual or repetitive tasks, to name a few. BCG has identified more than $370 billion a year in additional profit potential industrywide from AI. Little surprise that venture funding for fintech is surging and the frequency of AI mentions in retail banks’ investor presentations is rising fast. All that being said, actual examples of rea