研究预测：从数字银行转向AI驱动的金融将在2027年转型金融服务。
随着AI agents和运营模式重塑金融公司获得客户和提供咨询的方式，明年将标志着从数字银行向智能金融的突然过渡。
这是一份新的福雷斯特研究报告“2027年预测：银行与投资”的核心论文。 调查结果摘自美国、英国和加拿大的915个答复者的数据。
福雷斯特确定了几个关键的过渡点。 其中包括通过金融发现和引导旅行的自动化进行根本性改变，以及相信尽管三分之一的银行会宣布AI转型程序，但只有5%的成功。
“2027年，金融服务将进入一个新阶段，即情报成为创造价值的主要来源。” 称 Forrester研究者在报告中。 “AI助手们正在重新塑造客户如何发现、评价和处理金融产品；尽管经济持续焦虑，投资参与正在扩大；银行们正在竞相确定AI是否只是加强现有业务或从根本上改变业务。”
扩大金融服务的AI
福雷斯特对5%成功率的预测基于这样一种信念，即许多银行会将现有的AI倡议重新命名为AI本土，而不会在运营基础设施方面发生重大变化。 保留遗留的流程和操作模式将阻碍AI部署规模化的能力，而AI技术供应商如Dell Technology Inc.正在金融服务界向其客户强调这一基本要求。
戴尔的首席财务官David Kennedy(David Kennedy)在最近接受CUBE、SiliconANGLE Media的直播工作室采访时表示，“问题是，你能大规模这样做吗？”
金融机构追求规模的一个方式是通过合并和收购。 Forrester预测AI银行技术M&A在2027年将增长50%. 获取专有数据资产，治理能力，以及AI-native编组，将要求具备导航混合计算环境的能力，这种需要是先进微设备公司等供应商在自己的客户中看到的。
“作为人工智能计算提供者，我们希望确保这些企业不仅能够通过边疆API在云中执行人工智能任务，而且还在为它们提供基础设施，使其能够非常高效地在prim上主持开放量级模型。” 称 Suresh Andani，计算机公司副总裁和AMD企业AI，在接受CUBE采访时。 “我所参与的每一个企业对话都是讨论的一个关键议题。
另一个关键议题涉及AI agents及其在企业中越来越大的影响。 根据福雷斯特的调查结果，40%的银行明年会提供发布 AI助手。 许多金融机构面临的挑战是利用人工智能助理提供不同的指导，利用专有数据、决策和专业知识指导客户。 根据全球首席技术官兼戴尔的AI首席军官约翰·罗塞(John Roese)的说法，将专有知识留在内部就能够成为明显的优势。
Roese对CUBE说，“这只是意味着，当你设计你的人工智能系统时，你需要意识到，你的护城河并不是真正的工具。 这甚至不是模型。 现在这些新形式所表现的正是特殊知识
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Research prediction: Shift from digital banking to AI-driven finance will transform financial services in 2027
The coming year will signal an abrupt transition from digital banking to intelligent finance, as AI agents and operating models reshape the ways that financial firms acquire customers and provide advice.
This is the central thesis of a new Forrester Research report, “Predictions 2027: Banking and Investing.” The findings were summarized from data involving 915 respondents in the U.S., U.K., and Canada.
Forrester identified several key points of transition. These included fundamental changes through automation in financial discovery and guidance journeys, as well as a belief that although one-third of banks will announce an AI transformation program, only 5% will succeed.
“In 2027, financial services will enter a new phase in which intelligence becomes the primary source of value creation,” said Forrester researchers in the report. “AI assistants are reshaping how customers discover, evaluate and act on financial products; investment participation is expanding despite persistent economic anxiety; and banks are racing to determine whether AI will merely enhance existing operations or fundamentally transform them.”
Scaling AI for financial services
Forrester’s prediction of a 5% success rate is based on a belief that many banks will rebrand existing AI initiatives as AI-native without significant changes in operational infrastructure. Retention of legacy processes and operating models will prevent an ability to scale AI deployment, a fundamental requirement that AI technology providers such as Dell Technologies Inc. are emphasizing to their clients in the financial services world.
“Ultimately, I think we’ve enough proof points now that AI works and it works really well and it gives you speed and efficiency in your company,” according to David Kennedy, chief financial officer of Dell, during a recent interview with theCUBE, SiliconANGLE Media’s livestreaming studio. “The question is, can you do that at scale?”
One way that financial institutions will pursue scale is through mergers and acquisitions. Forrester predicts that AI banking technology M&A will increase by 50% in 2027. Acquisition of proprietary data assets, governance capabilities, and AI-native orchestration will require an ability to navigate hybrid computing environments, a need that compute providers such as Advanced Micro Devices Inc. has seen among its own customers.
“As a provider of AI compute, we want to make sure that we are enabling those enterprises to not only run their AI tasks through the frontier APIs in the cloud, but we are providing them infrastructure that they can host open-weight models very efficiently on-prem,” said Suresh Andani, corporate vice president of compute and enterprise AI at AMD, in an interview with theCUBE. “Every enterprise conversation I’m in, that’s a key topic of discussion.”
Another key topic involves AI agents and their growing influence in the enterprise. According to Forrester’s findings, 40% of banks will launch AI assistants next year. The challenge for many financial institutions will be leveraging AI assistants to deliver differentiated guidance using proprietary data, decisioning and specialist expertise to guide customers. This is where keeping proprietary knowledge in-house can become a distinct advantage, according to John Roese, global chief technology officer and chief AI officer of Dell.
“It doesn’t mean you can’t use frontier models and open models,” Roese told theCUBE. “It just means that when you design your AI system, you need to realize that the thing that is your moat is not the actual tools. It’s not even the models. It’s the special knowledge that’s now manifesting in these new forms that really captured what you know and do differently than your competitors.”
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