# 银行市场中的人工智能自动化

> 银行业中的人工智能与自动化市场研究报告，按技术（机器学习、自然语言处理、机器人流程自动化、计算机视觉）、按应用（欺诈检测、客户服务、风险管理、贷款承销）、按部署类型（本地部署、基于云）、按最终用途（零售银行、投资银行、企业银行、保险）以及按地区（北美、欧洲、南美、亚太、中东和非洲） - 预测至2035年

- **Forecast Period:** 2025 - 2035
- **CAGR:** 11.25%
- **2024:** $ 20.86 Billion
- **2025:** $ 23.21 Billion
- **2035:** $ 67.41 Billion
- **Key Players:** IBM (US), Microsoft (US), Oracle (US), SAP (DE), Salesforce (US), FIS (US), NICE (IL), Temenos (CH), Cognizant (US)

**Report ID:** MRFR/ICT/32011-HCR · **Pages:** 128 · **Author:** Aarti Dhapte · **Last Updated:** September 17, 2026

**URL:** https://www.marketresearchfuture.com/reports/ai-automation-in-banking-market-33849

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## Market Summary

## **AI and Automation in Banking Market Overview**

As per MRFR analysis, the AI and Automation in Banking Market Size was estimated at 15.15 (USD Billion) in 2022. The AI and Automation in Banking Market Industry is expected to grow from 16.85(USD Billion) in 2023 to 44.0 (USD Billion) by 2032. The AI and Automation in Banking Market CAGR (growth rate) is expected to be around 11.25% during the forecast period (2024 - 2032).

### **Key AI and Automation in Banking Market Trends Highlighted**

The need for enhanced efficiency and improved customer experiences drives global AI and automation in the banking market. As banks face increasing pressure to provide seamless services, the adoption of AI technologies enables them to streamline operations, reduce costs, and minimize risks associated with fraud. Automation allows for faster processing of transactions and enhances data management, which in turn supports better decision-making. Additionally, regulatory compliance is simplified through AI, helping institutions adhere to evolving laws and standards. There are significant opportunities to be explored in the integration of AI into various banking processes.

Personalized customer experiences can be achieved by leveraging data analytics and machine learning, allowing banks to offer tailored products and services. Furthermore, the rise of digital-only banks presents potential market share captures for traditional banks through modernization initiatives. The potential for blockchain technology in automating various banking processes, such as settlements, provides avenues for increased security and efficiency. As customers increasingly demand 24/7 access to services, banks can harness AI to offer round-the-clock customer support, leading to higher satisfaction rates.

Recent trends indicate a significant shift towards using AI tools for risk assessment and management as financial institutions seek to mitigate potential losses.

The emergence of conversational AI through chatbots and virtual assistants indicates a growing preference for automation in customer interactions. Moreover, banks are increasingly investing in cybersecurity measures powered by AI, enhancing protection against cyber threats. As the landscape continues to evolve, collaboration between tech companies and financial institutions is likely to become more prevalent, driving innovation and creating new market dynamics. The focus on ethical AI practices is also gaining importance, ensuring that automated systems are transparent and fair, which is essential for maintaining customer trust in the banking sector.

Source: Primary Research, Secondary Research, _Market Research Future_ Database and Analyst Review

### **AI and Automation in Banking Market Drivers**

#### **Increasing Demand for Enhanced Customer Experience**

In the Global AI and Automation in the Banking Market Industry, one of the major drivers propelling market growth is the increasing demand for enhanced customer experience. As more banks and financial institutions recognize the significance of providing exceptional customer service, they are turning to AI and automation technologies to streamline operations and improve interactions. AI-driven chatbots and virtual assistants are becoming commonplace, allowing customers to have their queries addressed quickly and efficiently.This technology not only saves time for customers but also helps banks manage a large volume of requests, especially during peak hours.

Furthermore, AI algorithms can analyze customer data and behavior, allowing banks to offer personalized services that cater to individual needs. From tailored financial advice to customized product offerings, leveraging insights gained from data analytics enhances the customer journey and fosters loyalty. In an increasingly competitive sector, where consumer preference is paramount, banks are eager to adopt AI and automation to stay ahead of rivals.

The ability to deliver faster responses, personalized interactions, and round-the-clock service gives banks a distinct edge, further pushing the adoption of AI and automation technologies in the banking sector.

**Cost Reduction and Operational Efficiency**

One of the driving forces in the Global AI and Automation in the Banking Market Industry is the focus on cost reduction and operational efficiency. Banks are consistently seeking ways to minimize expenses and optimize their processes. AI and automation facilitate a streamlined workflow, enabling institutions to handle numerous transactions seamlessly while reducing the reliance on manual labor.

By automating repetitive tasks such as data entry, transaction processing, and compliance checks, financial institutions can allocate their human resources to more strategic endeavors that require complex decision-making skills.This not only drives down operational costs but also enhances accuracy, mitigating the risk of human error. Additionally, these technological advancements improve transaction speed, giving banks the agility needed to respond to customers and financial markets. The significant cost savings associated with AI and automation continue to be a significant driver of growth within the banking sector.

**Regulatory Compliance and Risk Management**

As regulations in the banking sector become increasingly stringent, the necessity for reliable compliance and risk management solutions emerges as a significant driver in the AI and Automation in Banking Market Industry. Financial institutions are under intense scrutiny from regulators, compelling them to adopt advanced technology for monitoring transactions and ensuring adherence to legal standards. AI systems can analyze vast amounts of data in real-time, identifying irregularities and potential fraud much more efficiently than traditional methods.

Moreover, automation aids in creating comprehensive audit trails and maintaining accurate records, which simplifies the compliance process. The ability to manage risks proactively not only preserves the integrity of financial institutions but also builds consumer trust, ultimately enhancing market opportunities for AI and automation technologies in banking.

### **AI and Automation in Banking Market Segment Insights**

#### **AI and Automation in Banking Market Technology Insights**

The AI and Automation in Banking Market is witnessing robust growth, particularly within the Technology segment where it is anticipated to be valued at 16.85 USD Billion in 2023 and is projected to reach 44.0 USD Billion by 2032. This segment is expected to significantly contribute to market growth, propelled by advancements in various technological domains that include Machine Learning, Natural Language Processing, Robotic Process Automation, and Computer Vision.

 Machine Learning holds a prominent position in the market with valuations of 5.0 USD Billion in 2023 and expected growth to 13.5 USD Billion in 2032, representing the majority holding due to its ability to analyze vast amounts of data for predictive modeling and enhanced decision-making processes in banking.Natural Language Processing is also a key player, valued at 4.0 USD Billion in 2023 and projected to grow to 10.5 USD Billion by 2032; it plays a significant role in enabling banks to understand customer inquiries more effectively, thereby improving customer service experiences.

Robotic Process Automation holds a strong market value of 4.5 USD Billion in 2023 and is expected to reach 11.5 USD Billion by 2032, reflecting its significance in automating repetitive tasks that drive operational efficiency within banking institutions.

Meanwhile, Computer Vision, valued at 3.35 USD Billion in 2023 and expected to grow to 8.5 USD Billion by 2032, plays a vital role in fraud detection and management, emphasizing the importance of visual data analysis in ensuring security and compliance.Collectively, these technologies are driving a fundamental transformation in the banking sector, paving the way for innovative customer engagement strategies and streamlined operations across the industry.

The diverse growth potential in the AI and Automation in Banking Market segmentation highlights the imperative need for banks to invest in these technologies to remain competitive and meet the evolving needs of their customers effectively.

Source: Primary Research, Secondary Research, _Market Research Future_ Database and Analyst Review

**AI and Automation in Banking Market Application Insights**

The AI and Automation in Banking Market is experiencing significant growth, with a projected market valuation of 16.85 USD Billion in 2023. Several applications are driving this expansion, including areas crucial to banking operations such as fraud detection, customer service, risk management, and loan underwriting. The demand for advanced fraud detection systems continues to rise as financial institutions seek to combat rising cyber threats; this segment plays a critical role in safeguarding assets and maintaining consumer trust. Customer service applications utilize AI-driven chatbots and virtual assistants to provide efficient and responsive support, significantly enhancing user experience.

Risk management is crucial in predicting and mitigating potential financial pitfalls, allowing banks to make informed decisions. Meanwhile, loan underwriting benefits from automation and AI to streamline processes and improve accuracy, thus accelerating decision-making. Together, these applications contribute to the robust growth trajectory of Global AI and Automation in the Banking Market, highlighting its importance in modern banking operations. With ongoing technological advancements, the market is poised to reach a valuation of 44.0 USD Billion by 2032, reflecting a promising future influenced by these key applications.

**AI and Automation in Banking Market Deployment Type Insights**

The AI and Automation in Banking Market, valued at 16.85 USD Billion in 2023, emphasizes the Deployment Type segment as vital for sector growth. This segment is primarily characterized by its division into On-Premises and Cloud-Based deployment models. On-premises solutions offer banks enhanced data security and compliance, making this approach significant for institutions handling sensitive financial information. Conversely, Cloud-Based solutions gain traction due to their scalability, cost-effectiveness, and ease of integration, catering to the dynamic needs of financial institutions looking to streamline operations.

The AI and Automation in Banking Market statistics highlight an increasing preference for cloud services, signifying a transformative shift in the industry. This shift represents a major growth driver, enabling banks to leverage advanced technologies without hefty initial investments. However, despite the opportunities, challenges like data privacy and regulatory compliance persist within this segment. Overall, the AI and Automation in Banking Market revenue is bolstered by these deployment types, aligning with the sector's evolving needs.

**AI and Automation in Banking Market End-Use Insights**

The AI and Automation in Banking Market, valued at 16.85 USD Billion in 2023, showcases a robust landscape influenced predominately by its End-use segments. Retail Banking emerges as a significant player, largely due to its ongoing transformation driven by AI to enhance customer experience and streamline operations. Furthermore, Investment Banking is increasingly leveraging automation for data analysis and transaction processing, thereby optimizing productivity and decision-making. Corporate Banking is also a noteworthy segment, employing AI-powered solutions to improve risk management and compliance processes.

Insurance firms are harnessing AI benefits to refine underwriting and claims processing, which enhances operational efficiency and customer satisfaction. Together, these sectors drive market growth, reflecting a notable adoption of advanced technologies across the banking industry. Rising demand for improved customer engagement and operational efficiencies within these End-use segments continues to contribute to the market's expansion. The AI and Automation in Banking Market data points to a trend of increasing investment in AI solutions, emphasizing the vital role these technologies play in shaping the future of banking.

**AI and Automation in Banking Market Regional Insights**

The AI and Automation in Banking Market demonstrates a solid foundation across various regions, with North America leading the way as a significant contributor to the overall market. In 2023, North America was valued at 6.5 USD Billion, expected to grow to 17.0 USD Billion by 2032, indicating its majority holding in the market.

Europe follows as a critical player, valued at 4.0 USD Billion in 2023 and projected to reach 10.5 USD Billion, showcasing its considerable role in adopting AI and automation solutions. The APAC region also shows promise, valued at 3.5 USD Billion in 2023 and anticipated to evolve to 9.0 USD Billion, driven by rapid digital transformation in banking.South America and MEA, while smaller in comparison, hold respective values of 1.2 USD Billion and 1.6 USD Billion in 2023, with projections of reaching 3.0 USD Billion and 4.5 USD Billion by 2032.

The relatively lower valuations in these regions highlight emerging opportunities for growth as banks increasingly recognize the importance of AI and automation in enhancing efficiency and customer experience.

Overall, the AI and Automation in Banking Market segmentation underscores North America's dominance while also highlighting the potential for growth and innovation across Europe, APAC, South America, and MEA.

Source: Primary Research, Secondary Research, _Market Research Future_ Database and Analyst Review

### **AI and Automation in Banking Market Key Players and Competitive Insights**

The AI and Automation in Banking Market is characterized by a rapidly evolving landscape where innovative technologies are transforming traditional practices. With the increasing demand for efficiency, accuracy, and enhanced customer experiences, banks have turned to artificial intelligence and automation solutions to modernize their operations. Competitive insights reveal that key players are focusing on harnessing advanced technologies such as machine learning, robotic process automation, and natural language processing to improve decision-making, streamline processes, and enhance risk management frameworks.

The market is segmented into various applications, including risk assessment, fraud detection, customer service, and compliance management, each contributing to the overall growth and competitiveness of service providers within the banking sector.

Citi has established a significant presence in the Global AI and Automation in the Banking Market by leveraging its strong global network and technological expertise. The company integrates AI-driven solutions that enhance customer interactions and help optimize banking operations through automation. One of Citi's primary strengths lies in its investment in cutting-edge technology that promises to deliver personalized banking experiences. The company employs advanced analytics and machine learning algorithms to refine risk assessment processes and improve decision-making efficiency. Furthermore, Citi is recognized for its commitment to industry compliance, utilizing automation to streamline adherence to regulatory requirements.

This strategic focus not only positions Citi as a trusted banking partner but also enables the institution to stay competitive in an increasingly demanding market.

Oracle plays a crucial role in the Global AI and Automation in the Banking Market by offering a robust suite of AI-based solutions that empower banks to innovate their service offerings. The company's strength is rooted in its comprehensive cloud infrastructure, which enables financial institutions to deploy scalable AI and automation solutions seamlessly. Oracle's solutions focus on enhancing operational efficiency and providing deep insights through advanced data analytics. Moreover, the company emphasizes improving customer engagement by facilitating personalized banking services that leverage AI to predict customer needs and preferences.

Oracle's reputation for reliability and state-of-the-art technology positions it as a key player in enabling banks to thrive in a fast-paced, competitive environment where agility and insight are paramount.

#### **Key Companies in the AI and Automation in Banking Market Include**

### Ai Automation In Banking Market Industry Developments

- **Q2 2025: Salesforce launched Agentforce in September 2024 (and Agentforce 2dx, a new version in May 2025), a platform that can embed agentic AI into banking workflows** Salesforce introduced Agentforce, and subsequently Agentforce 2dx, platforms designed to embed agentic AI into banking operations, enabling automation of complex tasks such as credit underwriting and treasury management.
- **Q2 2025: nCino Banking Advisor exemplifies this trend, providing a banking-focused generative AI solution that reduces manual processes and redundant data entry** nCino launched Banking Advisor, a generative AI solution tailored for banks to automate manual processes, streamline data entry, and improve workflow efficiency in lending and onboarding.
- **Q2 2024: Salesforce launched Agentforce in September 2024 (and Agentforce 2dx, a new version in May 2025), a platform that can embed agentic AI into banking workflows** Salesforce launched Agentforce, a platform enabling banks to integrate agentic AI for automating and optimizing various banking processes, marking a significant step in AI-driven banking automation.
- **Q2 2024: BAC Community Bank in Stockton, California, which has about US$800 million in assets, launched an AI-powered app that answers user questions and assigns a nearby banker to serve as their point of contact** BAC Community Bank introduced an AI-powered application to enhance customer service by automating responses to user queries and connecting customers with local bankers.
- **Q2 2024: In May 2024, the bank revealed that a solution built to nudge customers who abandon a product application using AI resulted in a 10% to 20% boost to completion rates** JPMorgan deployed an AI-based solution to re-engage customers who abandoned product applications, resulting in a significant increase in completion rates.

**AI and Automation in Banking Market Segmentation Insights**

**AI and Automation in Banking Market Technology Outlook**

**AI and Automation in Banking Market Application Outlook**

**AI and Automation in Banking Market Deployment Type Outlook**

**AI and Automation in Banking Market End-Use Outlook**

**AI and Automation in Banking Market Regional Outlook**

## Market Drivers

### 成本降低策略

在银行业的人工智能和自动化市场中，成本降低仍然是一个关键驱动因素。金融机构面临着不断优化运营成本的压力，同时保持服务质量。自动化技术，特别是在后台操作中，显示出降低劳动力成本和最小化人为错误的潜力。报告显示，实施基于人工智能的自动化的银行在某些流程中可以实现高达30%的成本节约。这一财务激励促使银行采用人工智能解决方案，因为它们寻求提高盈利能力并在快速发展的市场环境中保持竞争力。

### 增强的欺诈检测

欺诈检测是人工智能和银行市场自动化中的一个关键问题。随着金融交易日益数字化，欺诈风险也在上升。人工智能技术正在被部署以增强欺诈检测机制，利用机器学习算法识别异常模式并实时标记潜在的欺诈活动。最近的研究表明，采用人工智能驱动的欺诈检测系统的银行可以将欺诈损失减少多达40%。这一能力不仅保护了金融机构，还增强了客户信任，使得增强的欺诈检测成为人工智能和自动化采用的重要推动力。

### 数据分析与洞察

人工智能和自动化在银行市场中受到数据分析日益重要性的显著影响。金融机构面临着大量数据的涌入，有效利用这些数据对于战略决策至关重要。人工智能技术使银行能够以前所未有的准确性分析客户行为、市场趋势和风险因素。根据行业估计，利用先进分析的银行可以将其决策过程的改善幅度提高至50%。这一能力不仅提升了客户服务，还推动了产品创新，使数据分析成为人工智能和自动化采用的关键驱动力。

### 监管合规与报告

人工智能和自动化在银行市场中越来越受到严格监管合规需求的影响。金融机构需要遵守众多复杂且资源密集的法规。人工智能技术促进了合规流程的自动化，使银行能够高效监控交易并报告可疑活动。根据最新数据，合规技术市场预计将显著增长，预计人工智能驱动的解决方案将占据相当大的份额。这一趋势表明，银行可能会大量投资于人工智能和自动化，以降低与不合规相关的风险，从而增强其运营完整性。

### 客户个性化和参与

银行业中的人工智能和自动化市场也受到个性化客户体验需求的推动。随着竞争的加剧，银行意识到必须根据个人客户的需求来定制服务。人工智能技术使银行能够分析客户数据和偏好，从而促进个性化的营销策略和产品推荐。研究表明，个性化的银行体验可以导致客户参与度提高20%。这一趋势突显了人工智能和自动化在增强客户关系中的重要性，从而推动了对这些技术的进一步投资。

## Future Outlook

银行业的人工智能和自动化市场预计将在2024年至2035年间以11.25%的年均增长率增长，推动因素包括技术进步、监管变化和日益增长的客户期望。

**New opportunities:**

- 人工智能驱动的欺诈检测系统的集成

到2035年，市场预计将会强劲，受到创新和战略投资的推动。

## Segment Insights

### 按技术：机器学习（最大）与自然语言处理（增长最快）

在银行业的人工智能和自动化市场中，机器学习占据了市场份额的重要部分，在技术领域中处于领先地位，其在欺诈检测、信用评分和客户服务提升等方面的多样化应用发挥着重要作用。同时，自然语言处理正在迅速获得关注，因其能够通过聊天机器人和虚拟助手改善客户互动，显著推动市场的增长轨迹。
这一细分市场正经历强劲增长，推动因素是银行对人工智能技术的日益采用，以提高运营效率和客户体验。机器学习凭借其多功能性继续占据主导地位，而自然语言处理的需求则受到对改善客户参与度和实时数据处理需求的推动，使其成为金融机构寻求利用人工智能创新的关键投资领域。

技术：机器学习（主导）与自然语言处理（新兴）

机器学习被视为银行市场中人工智能和自动化的主导力量，以其广泛的能力而闻名，能够简化银行操作、增强决策能力并降低风险。其已建立的用例，如预测分析和风险管理，为银行提供了宝贵的洞察和解决方案，以优化其服务。另一方面，自然语言处理是一个新兴领域，正在迅速改变银行的客户互动。它处理和分析文本数据的能力使银行能够实施智能虚拟助手和聊天机器人，从而提升客户满意度和参与度。随着金融机构越来越认识到对话式人工智能的重要性，对自然语言处理解决方案的需求预计将显著增长，使其成为该行业的关键技术。

### 按应用：欺诈检测（最大）与客户服务（增长最快）

在银行业的人工智能和自动化市场中，欺诈检测在应用领域中占据最大的市场份额，这得益于对安全性的日益需求以及打击金融欺诈事件上升的必要性。客户服务虽然市场份额较小，但却是增长最快的应用，展示了向自动化客户互动的显著转变，提升了用户体验和运营效率。

欺诈检测（主导）与贷款承销（新兴）

欺诈检测仍然是银行业人工智能和自动化市场中的主导应用，利用先进的机器学习算法实时识别和减轻欺诈活动，从而保护金融机构及其客户。相比之下，贷款承销作为一个显著的细分市场正在崛起，利用自动化分析借款人数据，提高准确性，同时减少信贷决策中的偏见。虽然欺诈检测主要关注安全性，但贷款承销则强调贷款流程中的创新，反映了银行业数字化转型的更广泛趋势。

### 按部署类型：基于云的（最大）与本地部署（增长最快）

在银行业的人工智能和自动化市场中，部署类型分为两大主要部分：本地部署和基于云的解决方案。目前，基于云的部署占据了更大的市场份额，主要由于其可访问性、可扩展性和较低的初始投资要求。组织越来越倾向于采用云解决方案，以便更快地部署并提高运营效率。本地解决方案虽然仍然重要，但随着银行寻求更灵活和创新的方法来整合人工智能技术，正在逐渐失去市场份额。

部署：基于云的（主导）与本地部署（新兴）

在人工智能和银行自动化市场中，基于云的部署通常被视为主流选择，因为它具有灵活性和成本效益。它允许银行快速扩展资源，并有效应对不断变化的市场需求。相反，内部部署模型正在成为需要严格控制其数据和系统的机构的首选选项。虽然内部解决方案需要更高的前期投资和维护，但它们提供更大的安全性和定制性，吸引了对云环境中的数据泄露感到担忧的传统银行机构。这两种部署类型满足不同的需求，塑造了人工智能和银行自动化的竞争格局。

### 按最终用途：零售银行（最大）与投资银行（增长最快）

在银行业的人工智能和自动化市场中，零售银行部门因其广泛采用旨在提升客户服务和运营效率的技术而占据最大的市场份额。该部门受益于广泛的客户基础和对数字银行服务日益增长的需求，成为人工智能应用的市场领导者。尽管投资银行的市场份额较小，但随着公司采用人工智能以改善分析和决策能力，特别是在风险管理和投资组合优化领域，正在迅速增长。

零售银行（主导）与投资银行（新兴）

零售银行是主导领域，显著特点是重度整合人工智能技术，以促进个性化客户体验和简化运营。该领域的金融机构专注于使用聊天机器人提供客户服务，利用机器学习进行欺诈检测，以及通过数据分析制定深刻的营销策略。相对而言，投资银行正在崛起，专注于利用人工智能将传统流程转变为数据驱动的策略。该行业正在利用先进算法进行市场分析、自动交易和预测，代表着未来增长的重大潜力，因为公司寻求通过创新技术增强其竞争优势。

## Regional Market Share Analysis

银行业中的人工智能和自动化市场在各个地区展现出坚实的基础，其中北美作为整体市场的重要贡献者，领先于其他地区。2023年，北美的市场价值为65亿美元，预计到2032年将增长至170亿美元，显示出其在市场中的主导地位。

欧洲紧随其后，作为关键参与者，2023年的市场价值为40亿美元，预计将达到105亿美元，展示了其在采用人工智能和自动化解决方案方面的重要作用。亚太地区也展现出潜力，2023年的市场价值为35亿美元，预计将发展到90亿美元，这得益于银行业的快速数字化转型。南美和中东及非洲地区虽然相对较小，2023年的市场价值分别为12亿美元和16亿美元，预计到2032年将分别达到30亿美元和45亿美元。

这些地区相对较低的估值突显了增长的潜在机会，因为银行越来越认识到人工智能和自动化在提升效率和客户体验方面的重要性。

总体而言，银行业中的人工智能和自动化市场细分强调了北美的主导地位，同时也突显了欧洲、亚太、南美和中东及非洲地区的增长和创新潜力。

来源：初步研究，二次研究，_市场研究未来_数据库和分析师评审

## Competitive Benchmarking

银行业中的人工智能和自动化市场的特点是快速发展的格局，创新技术正在改变传统做法。随着对效率、准确性和增强客户体验的需求不断增加，银行已转向人工智能和自动化解决方案，以现代化其运营。竞争性洞察显示，主要参与者正专注于利用先进技术，如机器学习、机器人流程自动化和自然语言处理，以改善决策、简化流程并增强风险管理框架。

市场被细分为各种应用，包括风险评估、欺诈检测、客户服务和合规管理，每个应用都为银行业服务提供商的整体增长和竞争力做出了贡献。

花旗通过利用其强大的全球网络和技术专长，在全球银行业人工智能和自动化市场中建立了显著的存在。该公司整合了增强客户互动的人工智能驱动解决方案，并通过自动化帮助优化银行运营。花旗的主要优势之一在于其对尖端技术的投资，这些技术承诺提供个性化的银行体验。该公司利用先进的分析和机器学习算法来完善风险评估流程，提高决策效率。此外，花旗因其对行业合规的承诺而受到认可，利用自动化简化对监管要求的遵守。

这种战略重点不仅使花旗成为值得信赖的银行合作伙伴，还使该机构能够在日益严峻的市场中保持竞争力。

甲骨文在全球银行业人工智能和自动化市场中发挥着至关重要的作用，提供一套强大的基于人工智能的解决方案，使银行能够创新其服务产品。该公司的优势根植于其全面的云基础设施，使金融机构能够无缝部署可扩展的人工智能和自动化解决方案。甲骨文的解决方案专注于提高运营效率，并通过先进的数据分析提供深刻的洞察。此外，该公司强调通过利用人工智能预测客户需求和偏好，改善客户参与度，促进个性化的银行服务。

甲骨文以其可靠性和尖端技术而闻名，使其成为帮助银行在快速变化、竞争激烈的环境中蓬勃发展的关键参与者，在这种环境中，敏捷性和洞察力至关重要。

## Recent News & Developments

- **2025年第二季度：Salesforce于2024年9月推出Agentforce（并于2025年5月推出新版本Agentforce 2dx），这是一个可以将智能代理AI嵌入银行工作流程的平台** Salesforce推出了Agentforce，随后推出了Agentforce 2dx，这些平台旨在将智能代理AI嵌入银行业务中，实现对复杂任务的自动化，例如信用承销和财务管理。
- **2025年第二季度：nCino Banking Advisor体现了这一趋势，提供了一种专注于银行的生成式AI解决方案，减少手动流程和冗余数据输入** nCino推出了Banking Advisor，这是一种为银行量身定制的生成式AI解决方案，旨在自动化手动流程，简化数据输入，提高贷款和入职的工作效率。
- **2024年第二季度：Salesforce于2024年9月推出Agentforce（并于2025年5月推出新版本Agentforce 2dx），这是一个可以将智能代理AI嵌入银行工作流程的平台** Salesforce推出了Agentforce，这是一个使银行能够集成智能代理AI以自动化和优化各种银行流程的平台，标志着AI驱动的银行自动化的重要一步。
- **2024年第二季度：加利福尼亚州斯托克顿的BAC社区银行，资产约为8亿美元，推出了一款AI驱动的应用程序，可以回答用户问题并指派附近的银行家作为他们的联系点** BAC社区银行推出了一款AI驱动的应用程序，通过自动化响应用户查询并将客户与当地银行家连接，来提升客户服务。
- **2024年第二季度：2024年5月，该银行透露，利用AI构建的解决方案旨在引导放弃产品申请的客户，结果使完成率提高了10%至20%** 摩根大通部署了一种基于AI的解决方案，以重新吸引放弃产品申请的客户，结果显著提高了完成率。

## Report Scope

| 2024年市场规模 | 208.6（十亿美元） |
| --- | --- |
| 2025年市场规模 | 232.1（十亿美元） |
| 2035年市场规模 | 674.1（十亿美元） |
| 复合年增长率（CAGR） | 11.25%（2024 - 2035） |
| 报告覆盖范围 | 收入预测、竞争格局、增长因素和趋势 |
| 基准年 | 2024 |
| 市场预测期 | 2025 - 2035 |
| 历史数据 | 2019 - 2024 |
| 市场预测单位 | 十亿美元 |
| 主要公司简介 | 市场分析进行中 |
| 覆盖的细分市场 | 市场细分分析进行中 |
| 主要市场机会 | 先进机器学习算法的集成提升了银行业人工智能和自动化市场的客户体验。 |
| 主要市场动态 | 快速的技术进步推动了银行业人工智能和自动化市场的竞争力量和监管变化。 |
| 覆盖的国家 | 北美、欧洲、亚太、南美、中东和非洲 |

## Frequently Asked Questions

**Q: 到2035年，银行业人工智能和自动化的预计市场估值是多少？**
A: 到2035年，银行业人工智能和自动化的预计市场估值为674.1亿美元。

**Q: 2024年银行业人工智能和自动化的市场估值是多少？**
A: 2024年整体市场估值为208.6亿美元。

**Q: 2025年至2035年，银行业人工智能和自动化市场的预期CAGR是多少？**
A: 在2025年至2035年的预测期内，银行业人工智能和自动化市场的预期CAGR为11.25%。

**Q: 在银行业的人工智能和自动化市场中，预计哪个技术领域将增长最多？**
A: 预计机器学习将从2024年的65亿美元增长到2035年的220亿美元。

**Q: 到2035年，基于云的部署市场与本地部署市场相比如何？**
A: 到2035年，基于云的部署市场预计将达到404.1亿美元，超过本地市场的270亿美元。

**Q: 在银行市场中，哪些应用正在推动人工智能和自动化的增长？**
A: 贷款承销预计将从2024年的88.6亿美元增长到2035年的304.1亿美元，表明需求强劲。

**Q: 在银行市场中，哪些关键参与者正在引领人工智能和自动化的发展？**
A: 市场上的主要参与者包括IBM、微软、甲骨文、SAP、Salesforce、FIS、NICE、Temenos和Cognizant。

**Q: 到2035年，欺诈检测应用的预计增长是多少？**
A: 欺诈检测应用预计将从2024年的30亿美元增长到2035年的100亿美元。

**Q: 到2035年，投资银行部门与零售银行在市场规模方面如何比较？**
A: 到2035年，零售银行预计将达到270亿美元，而投资银行预计为160亿美元。

**Q: 银行业机器人流程自动化的预期增长轨迹是什么？**
A: 预计机器人流程自动化将从2024年的50亿美元增长到2035年的170亿美元。


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*This Markdown endpoint is provided for AI systems and LLM crawlers. For the full interactive report visit https://www.marketresearchfuture.com/reports/ai-automation-in-banking-market-33849*