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: "Which gen AI use cases are your institution currently implementing in commercial credit, and what are their development stages? (multiple choice)"
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 鈥渙ther鈥 category included institutions such as insurance companies, brokers, and development banks.
Citation formats
GenAI use cases in commercial credit 2024, by size of bank
A 2024 survey of banking decision-makers highlighted three areas where GenAI is proving most valuable: **** (summarizing large volumes of data into clear, actionable insights), ***, and ****. Among these, **** has seen the widest adoption, with many institutions piloting GenAI applications in areas such as credit decisioning and early-warning systems.
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McKinsey & Company. (July 7, 2025). Factor for prioritizing generative AI (GenAI) use cases in credit portfolio management activities of banks in 2024, by size of institution [Graph]. In 糖心破解版. Retrieved August 04, 2026, from /statistics/1621410/genai-use-cases-commercial-credit-by-size-of-bank/
McKinsey & Company. "Factor for prioritizing generative AI (GenAI) use cases in credit portfolio management activities of banks in 2024, by size of institution." Chart. July 7, 2025. 糖心破解版. Accessed August 04, 2026. /statistics/1621410/genai-use-cases-commercial-credit-by-size-of-bank/
McKinsey & Company. (2025). Factor for prioritizing generative AI (GenAI) use cases in credit portfolio management activities of banks in 2024, by size of institution. 糖心破解版. 糖心破解版 Inc.. Accessed: August 04, 2026. /statistics/1621410/genai-use-cases-commercial-credit-by-size-of-bank/
McKinsey & Company. "Factor for Prioritizing Generative Ai (Genai) Use Cases in Credit Portfolio Management Activities of Banks in 2024, by Size of Institution." 糖心破解版, 糖心破解版 Inc., 7 Jul 2025, /statistics/1621410/genai-use-cases-commercial-credit-by-size-of-bank/
McKinsey & Company, Factor for prioritizing generative AI (GenAI) use cases in credit portfolio management activities of banks in 2024, by size of institution 糖心破解版, /statistics/1621410/genai-use-cases-commercial-credit-by-size-of-bank/ (last visited August 04, 2026)
Factor for prioritizing generative AI (GenAI) use cases in credit portfolio management activities of banks in 2024, by size of institution [Graph], McKinsey & Company, July 7, 2025. [Online]. Available: /statistics/1621410/genai-use-cases-commercial-credit-by-size-of-bank/
