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  "documentTitle": "Retail Banking Evolution in the Age of AI",
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  "authorName": "Kearney",
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  "notes": "The slide uses a 'typical bank' model to illustrate GenAI impact across retail and corporate business lines, with a supporting table of cost categories.",
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      "text": "Trading (treasury) activity can usually yield high income and profit, utilizing available funds from retail/companies. GenAI can help enhance investment decisions. 3-6% NII uplift.",
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      "text": "Mortgage. Use GenAI brings usually high profitability to enhance Sales (co-pilot), Next Best Offer, augmented credit evaluation (thin file cases). 2-8% NII uplift (while improving CIR on Mortgage)",
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      "kind": "callout",
      "text": "Consumer loans / unsecured lending. Similar to Mortgage. Focus on increasing penetration + identifying new customer profiles. 4-12% NII uplift (while improving CIR on product)",
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      "text": "Short term loans for companies. Focus on increasing penetration, retention + identifying new customer profiles. Uses like customer lending solutions generation, guided application process, credit decisioning, can enhance process experience and in turn sales. 3-9% NII uplift.",
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      "text": "Biggest capture value potential in: optimizing IT costs (Savings 4-35%+), reducing personnel costs in G&A (Savings 5-50%+), and marketing spend optimization (Savings 2-6%+).",
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      "text": "Create value / Capture value",
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      "text": "Net income: 1 bn EUR",
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