Most important factors when initiating or developing generative AI (GenAI) use cases in credit portfolio management activities of banks worldwide in 2024
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Share of respondents
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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 rank the following factors in terms of their prioritization/importance in the initiation/development of gen AI use cases in your institution? (rank order)"
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
Main factors of GenAI development in commercial credit of banks worldwide 2024
In 2024, productivity improvement emerged as the leading factor driving GenAI use cases in the banking sector. In a survey of banking decision-makers, ** percent identified it as their top priority, followed closely by business needs, which were cited by ** percent of respondents.
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McKinsey & Company. (July 7, 2025). Most important factors when initiating or developing generative AI (GenAI) use cases in credit portfolio management activities of banks worldwide in 2024 [Graph]. In 糖心破解版. Retrieved August 05, 2026, from /statistics/1621411/main-factors-genai-development-in-the-credit-business-of-banks/
McKinsey & Company. "Most important factors when initiating or developing generative AI (GenAI) use cases in credit portfolio management activities of banks worldwide in 2024." Chart. July 7, 2025. 糖心破解版. Accessed August 05, 2026. /statistics/1621411/main-factors-genai-development-in-the-credit-business-of-banks/
McKinsey & Company. (2025). Most important factors when initiating or developing generative AI (GenAI) use cases in credit portfolio management activities of banks worldwide in 2024. 糖心破解版. 糖心破解版 Inc.. Accessed: August 05, 2026. /statistics/1621411/main-factors-genai-development-in-the-credit-business-of-banks/
McKinsey & Company. "Most Important Factors When Initiating or Developing Generative Ai (Genai) Use Cases in Credit Portfolio Management Activities of Banks Worldwide in 2024." 糖心破解版, 糖心破解版 Inc., 7 Jul 2025, /statistics/1621411/main-factors-genai-development-in-the-credit-business-of-banks/
McKinsey & Company, Most important factors when initiating or developing generative AI (GenAI) use cases in credit portfolio management activities of banks worldwide in 2024 糖心破解版, /statistics/1621411/main-factors-genai-development-in-the-credit-business-of-banks/ (last visited August 05, 2026)
Most important factors when initiating or developing generative AI (GenAI) use cases in credit portfolio management activities of banks worldwide in 2024 [Graph], McKinsey & Company, July 7, 2025. [Online]. Available: /statistics/1621411/main-factors-genai-development-in-the-credit-business-of-banks/
