GenAI use cases in commercial credit by stage 2024| ��ƽ��

Generative AI (GenAI) use cases in credit portfolio management activities of banks in 2024, by development stage

Characteristic	Ideation and planning	Proof of concept	Pilot	Full deployment	Discontinued	Not started
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Release date

July 2025

More information

Region

Worldwide

Survey time period

H2 2024

Number of respondents

44 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: "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 “other” category included institutions such as insurance companies, brokers, and development banks.

Citation formats

A 2024 survey of banking decision-makers showed that full deployment of GenAI use cases in commercial credit remains uncommon. Most initiatives are still in early stages such as ideation, proof of concept, or pilots. For example, ** percent of respondents reported that early-warning systems are still in ideation, while ** percent said the same for bot- and data-gathering use cases. Even for more advanced applications such as ad hoc language model tools or credit decisioning support, fewer than a quarter of institutions reported full deployment. Customer engagement use cases lag the most, with nearly ** percent of respondents indicating that these initiatives have not yet been started.