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  "documentTitle": "The age of AI: Banking’s new reality",
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      "text": "Banks can achieve the necessary balance by doing three things simultaneously: Lead with top-down support and funding for the prioritized initiatives; Establish an operating and steerco model that ensures adoption and is compliant with all relevant regulations; Drive multi-speed implementation and adoption across business segments, functions and enterprise applications.",
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      "text": "The key is to balance the need for rapid diffusion throughout the organization with the accompanying cost and with the relevant regulatory requirements. Some use cases are simple and relatively inexpensive while others, like building a digital twin of the bank's mortgage function, are complex and require a lot of expertise, data and computation. With regard to computation, the rapid decline in the cost of using most generative AI models makes prioritization especially challenging. Many banks are starting their generative AI journey with simple, no-regrets applications while planning the timing of their more complex initiatives by calculating where the shifting cost and return curves are likely to intersect.",
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