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      "text": "Accelerators: Tech advances drive development of use cases; Large language model (LLM) access expands significantly; Model accuracy continues to improve; Regulatory clarity is achieved globally; FIs overcome technical debt issues.",
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      "text": "Impediments: An FI is fined for lack of compliance with GenAI regulations; Rogue LLMs spur greater regulatory scrutiny; Sources of good training data decline.",
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      "text": "During wave two, FIs and their tech partners will make significant progress in lowering the costs and risks of GenAI. The complexity of scaling AI will be solved through advancements in computing. There will, however, be impediments that slow adoption, including heightened regulatory scrutiny and diminishing improvements in certain model types. Nevertheless, FIs will continue to build on lessons learned and improve their ability to scale models and embed GenAI across workflows and customer journeys.",
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      "text": "WAVE 2: DRIVERS AND OUTCOMES",
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