普华永道&微软：2026解锁未来：金融服务行业代理型AI应用实践指南（英文版）（44页）.pdf

1、Unlocking Tomorrow:A playbook that explores the power of agentic AI for the Financial Services industryPwCUnlocking Tomorrow:Agentic AI for Financial Services2Table of contentsExecutive Summary301Introduction602Sector spotlights13 Banking14 Insurance18 Capital markets(including private equity)2503Be

2、coming a Frontier organisation2804Why PwC and Microsoft39Authors43PwCUnlocking Tomorrow:Agentic AI for Financial Services3Financial services organisations are operating in a period of profound transformation.Macroeconomic uncertainty,rising compliance demands,increasing fraud risk,shifting customer

3、expectations and a rapidly ageing workforce are all reshaping how banks,insurers and capital markets firms must operate.At the same time,regulatory frameworks such as EUs AI Act,DORA and GDPR are accelerating the need for transparent,secure and well-governed technology adoption.Against this backdrop

4、,many financial institutions are turning to agentic AI to strengthen resilience,accelerate key processes,transform the customer experience,and unlock new opportunities for growth.Agentic AI represents a step change from traditional analytics,automation and generative AI.Rather than completing isolat

5、ed tasks,agents can reason,act and orchestrate multistep processes with minimal human interventionaccessing data,executing workflows and adapting to new conditions.When deployed responsibly,this enables financial institutions to improve efficiency and accuracy while maintaining essential human overs

6、ight for high-stake decisions.Executive Summary PwCUnlocking Tomorrow:Agentic AI for Financial Services4The impact of agentic AI is already visible across the industry.In banking,significant value is already emerging in financial crime,regulatory compliance,customer engagement and lending.Agents can