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  "documentTitle": "The age of AI: Banking’s new reality",
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      "text": "On the investment side of the equation, banks will need to account for a range of costs. For many—especially those which have not progressed very far along their modernization journey—strengthening their core will consume a significant portion of their overall investment.",
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      "text": "Finally, regarding the generative AI tools themselves, banks will need to provide for the costs of creating, industrializing, maintaining and using generative AI. These costs will be directly linked to the complexity of the applications.",
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      "text": "Another significant area in which banks will need to invest is the transformation of their organizational structure, processes and culture. This investment is often underestimated. In the most recent wave of our recurring Pulse of Change survey, one in four banking executives said change management is a challenge. In the previous wave, only 8% held that view. This makes it the fastest growing concern as the implementation of generative AI gathers momentum.",
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