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  "documentTitle": "Banking: The future is back",
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      "text": "Generative AI will be a potent and universal tool for improving operational efficiency. But its greatest contribution to banks' financial performance will be to drive revenue and growth.",
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      "text": "Develop talent capable of rethinking process in the age of generative AI. Historical re-engineering approaches stalled when faced with qualitative challenges; generative AI enables a fresh look at every process.",
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      "text": "Time your investments in accordance with advances in technology and shifts in costs. Both are changing rapidly, so ensure that each project utilizes technology that is both ready and cost effective. With the costs of LLMs dropping by over 50% annually, a previously unprofitable business case could transform into a great opportunity within just a few months.",
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      "text": "Explore how AI could be used in conjunction with front-line associates to increase revenue, such as developing co-pilots to guide conversations or freeing employees from non-customer-facing tasks. More than 340,000 bank tellers in the US (the industry's single biggest job function in the US) spend on average 33% of their time on non-client-related tasks; with generative AI they could redirect half of that time to client-facing activities.",
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      "text": "Think beyond the process. Consider how changes in products and customer experiences (see trends 4 and 5) and the utilization of unstructured data could completely eliminate wasted time. An example is the creation of credit memos from digitally captured documents.",
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      "text": "We recommend:",
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      "text": "What do we expect by 2030?",
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