PricewaterhouseCoopers: Reducing risk losses is one of the main investment returns that AI brings to financial institutions.

One of the Big Four accounting firms, PricewaterhouseCoopers, has released a report stating that the core scenarios in which financial institutions are applying AI currently cover areas such as customer service optimization, fraud risk detection, and predictive analytics. "Different financial institutions have different focuses in the deployment of AI," PricewaterhouseCoopers points out. "In the asset and wealth management industry, AI is being applied to investment and portfolio management, data and market analysis. The banking sector is concentrating on risk management, anti-money laundering, and compliance tasks, while the insurance sector is focusing on improving agent capabilities, customer service, and claims processing." PricewaterhouseCoopers further notes that overall, the main sources of return on investment for financial institutions from AI are in three areas: reducing risk losses, increasing revenue, and cutting costs. However, PricewaterhouseCoopers emphasizes that the widespread adoption of AI by financial institutions still faces multiple constraints. Among them, talent shortage and organizational structure issues are core obstacles, with their impact far exceeding budget or technical issues.