GenAI adoption in commercial credit of banks 2024| ��ƽ��

Commitment to the implementation of generative AI (GenAI) in the credit portfolio management activities of banks worldwide in 2024

Characteristic	Share of respondents
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Release date

July 2025

More information

Region

Worldwide

Survey time period

H2 2024

Number of respondents

33 respondents

Age group

18 years and older

Special properties

Senior executives at financial institutions worldwide; Institutions included "megabanks", "super-regional" banks, "core regional" banks, along with insurance companies/brokers and development banks.

Supplementary notes

The source does not clarify the survey method used.

The question was phrased by the source as follows: "How would you describe your institution's leadership commitment to the adoption of gen AI? (select one)"

Megabanks were defined as institutions holding more than 1,000 billion U.S. dollars in assets. Super-regional banks were those with assets between 500 billion and 1,000 billion U.S. dollars, while core regional banks had between 100 billion and 500 billion U.S. dollars. The “other” category included institutions such as insurance companies, brokers, and development banks.

Citation formats

More than half of banking institutions worldwide viewed GenAI implementation as a priority for their commercial credit business in 2024. This is according to a survey of decision-makers conducted in the second half of the year. Overall, ** percent of respondents reported that adoption was a priority, meaning senior leadership actively promoted the development of GenAI use cases in commercial credit, backed initiatives with investments and hiring, and signaled through both tone and actions a willingness to accept setbacks given the technology’s early stage of maturity. Another ** percent expressed interest in adoption but did not consider it a clear priority, while only **** percent indicated that GenAI implementation was not a priority.