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银行向人工智能投入数十亿，但多数未见投资回报。本文将解析其中缘由

部分银行正在其私人银行部门应用人工智能，并已实现营收增长

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    • 例如，新加坡的DBS银行在2025年通过其人工智能项目获得了10亿新元的经济价值。
    • 例如，新加坡的DBS银行在2025年通过其人工智能项目获得了10亿新元的经济价值。 图片来源：路透社

    Tomas Skoumal

    Published Sat, Apr 25, 2026 · 11:00 AM

    本文由AI辅助翻译

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    长期以来，银行的私人银行部门在服务超高净值人士以外的客户方面一直面临挑战。投资组合研究、客户建档和合规等任务耗时过长，导致这些服务只能提供给最富有的客户。

    尽管高增长市场中的大众富裕家庭迅速扩张，这一限制依然存在。这反过来为保费银行服务创造了巨大机遇，但整个行业却未能把握住。

    人工智能 (Artificial Intelligence) 辅助工具的出现，为解决这种供需失配问题提供了方案。然而，承诺与实际营收之间的差距，比大多数银行愿意承认的要大。本文将解析其中缘由。

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