IBM商业价值研究所：2025年创造者之声：核心银行系统现代化与全企业AI应用研究报告（英文版）

Innovation in banking presents formidable challenges for established institutions, constrained by client responsibilities, regulatory demands, and the complexity of justifying long-term initiatives amid persistent technical debt. To build asymmetrical competitive advantages, banks must transition from tactical to strategic approaches, reimagining operating models where AI simplifies complexities, reorchestrates workflows, and embeds business logic into technological progress. Central to this