法国人工智能AI行业市场前景及投资研究报告-培训课件外文版2024.6优必选

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TRENDSArtificialintelligence(AI)infinanceCHAPTER

01OverviewBiggesttrendstoimpactbankingaccordingtoindustryexecutivesin2023Maintrendstoimpactbanksin2023,accordingtoexecutivesworldwideNewtechnologies(e.g.,generativeAI,blockchain,quantumcomputing,cloudcomputing,VR/AR,APIs,IoT,biometricsetc.)ChangingcustomerbehavioranddemandsfornewbankingproductsandservicesRegulationondigitalandcloudtechnologyChangingcompetitiveenvironmentChanginggeopolitical,macroeconomic,orpublichealthenvironment70%60%50%40%30%20%10%0%66%65%63%42%42%38%34%29%28%27%26%25%24%23%20%19%17%15%14%20192020202120233Description:Financialleadersconsistentlypickedthesametrendthatwouldhelpdefinethebankingindustryinthenewyear,andthesameappliesto2023.Newtechnologiesareexpectedtohavethebiggestimpactonbanksinthenextfiveyears.Originally,thisstemmedfromGenZfocusingmoreontechnologyandamoderninfrastructure.By2024,technologywilltaketheshapeofgenerativeAIandmachinelearning.ReadmoreNote(s):Worldwide;2019to2023;300respondents;18yearsandolder;Executivesinretail,commercial,andprivatebankingSource(s):EconomistImpact;TemenosArtificialintelligence(AI)adoptionworldwide2022,byindustryandfunctionAIadoptioninorganizationsworldwide2022,byindustryandfunctionHuman

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salesPAllindustries11%11%14%1%8%10%4%5%9%3%7%2%4%Business,legal,andprofessionalservicesConsumergoods/retailFinancialservices8%Healthcare/pharma15%6%7%Hightech/telecom6%4Description:Artificialintelligence(AI)isheavilyusedforserviceoperationsandstrategyandcorporatefinance,withnearlyallindustriesreportingaround20percentusageofAIinthesefunctions.ThegreatestuseofAIinproductmakingwasintheriskindustry,withover38percentofrespondentsusingAIin2022.TheuseofAIinmanufacturingandmarketingislow,asthesecanrequireindividualhumaninstinctsandsolendthemselveslesseasilytoAIapplications.ReadmoreNote(s):Worldwide;2022Source(s):McKinsey&Company;StanfordUniversityArtificialintelligence(AI)adoptionrateinfinancialbusinessesworldwidein2022and2025AdoptionrateofAIinglobalfinancebusiness2022-2025NotusingPilotingusecases46%LimitedadoptionWidescaleadoptionAIiscritical50%45%40%35%30%25%20%15%10%5%43%25%22%21%14%10%8%6%3%0%Currentadoptionin2022Expectedadoptionin20255Description:Theadoptionrateofartificialintelligence(AI)isexpectedtogrowincompaniesoperatinginthefinancesectorfrom2022to2025.In2022,nearlyhalfofexecutivesexpectedtheircompaniestohavewidescaleadoptioninAIintheircompanies.Inthe2025,theyexpectedthesameratiowouldbeexceededforcriticalimplementationofAI.ReadmoreNote(s):Worldwide;2022;600respondents;IndividualsholdingseniortechnologyrolesSource(s):InsiderIntelligenceMarketsizeofartificialintelligence(AI)infintechfrom2023to2024,withaforecastfor2029(inbillionU.S.dollars)MarketsizeofAIinfintech2023-2024,withforecastfor2029605050.8744.0842.834030201002023202420296Description:Themarketsizeofartificialintelligence(AI)infintechwasestimatedat42.83billionU.S.dollarsin2023,whichgrewto44.08billionU.S.dollarsin2024.Withacompoundannualgrowthrate(CAGR)of2.91percent,themarketsizeisforecasttoexceed50billionU.S.dollarsin2029.ReadmoreNote(s):Worldwide;2023to2029Source(s):MordorIntelligenceLeadingbanksinartificialintelligence(AI)readinessintheAmericasandEuropein2023LeadingbanksinAIadoptioninAmericasandEurope2023Score4001020305060708090100CapitalOne90.9189.48JPMorganChaseRoyalBankofCanada73.66TDBankING60.3545.46Citi37.4937.1237.0336.5436.26HSBCUBSBNPParibasBBVA7Description:AmongthelargestbanksintheAmericasandinEurope,CapitalOnehadthehighestartificialintelligence(AI)readinessindexin2023,accordingtoarankingbasedonpatentapplications,partnershipandlicensingagreements,dealmakingactivity,acquisitions,keypeople,productlaunches,andearningstranscripts.CapitalOnereceivedascoreof90.91,whichwasfollowedbyCapitalOne's89.48.RoyalBankofCanadarankedthird,withanoverallscoreof73.66.

ReadmoreNote(s):NorthAmerica,Europe,LAC;2023Source(s):CBInsightsMarketsizeofgenerativeartificialintelligence(AI)inthefinancialservicesindustryin2022,withforecastsfrom2023to2032(inbillionU.S.dollars)GlobalgenerativeAImarketsizeinfinancialservices2022,withforecastto20321098765432109.487.195.614.513.5232.411.831.351.090.85202220232024202520262027202820292030203120328Description:GenerativeAIinthefinancialservicesindustryisforecasttogrowataCAGRof28.1percentbetween2022and2032.Basedonthiscompoundannualgrowthrate(CAGR),themarketsizeofgenerativeAIisprojectedtoexceed9.4billionU.S.dollarsin2032,upfromaround0.85billionU.S.dollarsin2022.ReadmoreNote(s):Worldwide;2022Source(s):MarketRCHAPTER

02InvestmentandspendingEstimatedworldwidespendingonartificialintelligence(AI)-centricsystemsin2023,byindustry(inbillionU.S.dollars)GlobalspendingonAI2023,byindustrySpendinginbillionU.S.dollars01020304050607080BankingRetail20.6419.71ProfessionalServicesDiscretemanufacturingProcessmanufacturingOther16.0214.6310.9371.9210Description:Spendingonartificialintelligence(AI)variedgreatlyacrossindustriesin2023,withthebankingandretailindustriesdeliveringthelargestAIinvestmentsin2023.WorldwidespendingonAI-centricsystemswasestimatedat154billionU.S.dollarsin2023acrossallindustries.Thebankingsector'sinvestmentsamountedto20.6billionU.S.dollars,thehighestacrosstheobservedindustries.Itwasfollowedbyretail,withaninvestmentvalueof19.7billionU.S.dollars.Thefinancialsector's[...]

ReadmoreNote(s):Worldwide;2023Source(s):IDC;Estimatedshareofworldwidespendingonartificialintelligence(AI)-centricsystemsin2023,byindustryDistributionofglobalspendingonAI2023,byindustryBanking13.4%Retail12.8%Other46.7%ProfessionalServices10.4%Discretemanufacturing9.5%Processmanufacturing7.1%11Description:Expenditureonartificialintelligence(AI)showedsignificantdiversityamongindustriesin2023,withthebankingandretailsectorsleadingintermsofthemostsubstantialAIinvestmentsduringthatyear.Thebankingsector'sspendingaccountedfor13.4percentofallinvestments,followedbytheretailsectorwith12.8percent.WorldwidespendingonAIwasestimatedat154billionU.S.dollarsin2023.ReadmoreNote(s):Worldwide;2023Source(s):IDCEstimatedspendingonartificialintelligence(AI)-centricsystemsinEuropein2023,byindustry(inbillionU.S.dollars)SpendingonAIinEurope2023,byindustrySpendinginbillionU.S.dollars0246810121416BankingProfessionalservicesRetail5.373.833.73DiscretemanufacturingProcessmanufacturingOther3.522.7415.0112Description:Thetotalvalueofartificialintelligence(AI)spendinginEuropewasestimatedat34.2billionU.S.dollars.Thevalueofinvestmentsvariedgreatlyacrossindustries,withthebankingsectoraccountingforthelargestvalueofallinvestments.Thebankingsector'sspendingonAI-centricsystemswasapproximately5.37billionU.S.dollars.Itwasfollowedbyprofessionalservices,withaspendingvalueof3.83billionU.S.dollars.Bankingwasalsotheleadingindustryintermsofspendingonaglobal[...]

ReadmoreNote(s):Europe;2023Source(s):IDC;Estimatedshareofspendingonartificialintelligence(AI)-centricsystemsinEuropein2023,byindustryDistributionofspendingonAIinEurope2023,byindustryBanking15.7%Professionalservices11.2%Other43.9%Retail10.9%Discretemanufacturing10.3%Processmanufacturing8%13Description:Thebankingandprofessionalservicesindustrieswerethemostactivesectorsintermsofinvestmentsintoartificialintelligence(AI)in2023.Thebankingindustry'sspendingonAI-centricsystemsaccountedfor15.7percentofallinvestments,whichwasequivalenttoapproximately5.37billionU.S.dollars.Professionalservicesfollowed,with11.2percentofallspending.ReadmoreNote(s):Europe;2023Source(s):IDCEstimatedvalueofthefinancialsector'sartificialintelligence(AI)spendingworldwidein2023,withforecastsfrom2024to2027(inbillionU.S.dollars)FinancialsectorAIspendingworldwide2023,withforecaststo20271209710080604020075.1958.2945.19202435.03202320252026202714Description:Thefinancialsector'sspendingonartificialintelligence(AI)isestimatedtogrowsignificantlybetween2023and2027.In2023,thetotalspendingvaluewasestimatedat35billionU.S.dollars.Withacompoundannualgrowthrate(CAGR)of29percent,thesector'sAIspendingisforecasttoreach97billionU.S.dollarsin2027.ReadmoreNote(s):Worldwide;2023Source(s):IDC;IMF;Estimatedvalueofthebankingsector'sgenerativeartificialintelligence(AI)spendingworldwidein2023,withforecastsfrom2024to2027(inbillionU.S.dollars)BankingsectorgenAIspendingworldwide2023,withforecaststo20279080706084.9954.645040302010035.1322.58202714.5220269.3363.8620232024202520282029203015Description:Thebankingsector'sspendingongenerativeartificialintelligence(AI)isestimatedtogrowsignificantlybetween2023and2027.In2023,thetotalspendingvaluewasestimatedat3.86billionU.S.dollars.Withacompoundannualgrowthrate(CAGR)of55.55percent,thesector'sgenerativeAIspendingisforecasttoreach85billionU.S.dollarsin2030.ReadmoreNote(s):Worldwide;2023to2030Source(s):JuniperResearch;CHAPTER

03ImpactPotentialimpactofgenerativeartificialintelligence(AI)onindustryrevenuesworldwidein2023,byindustry(inbillionU.S.dollars)PotentialimpactofgenerativeAIonindustryrevenues2023,byindustryAddedrevenueinbillionU.S.dollarsHigh150Low200050100250300350400450500HightechRetail**BankingTravel,transport,andlogisticsAdvancedmanufacturing*ConsumerpackagedgoodsEnergyAdministrativeandprofessionalservicesHealthcareBasicmaterialsEducationRealestate17Description:Generativeartificialintelligence(AI)couldgeneratesignificantvaluewhendeployedacrossindustries,accordingto63usecasesanalyzedin2023.Basedontheseusecases,thehightechsectorcouldhavethehighestaddedrevenuethroughtheuseofgenerativeAI.Onanannualbasis,generativeAIcouldaddbetween240and460billionU.S.dollarstothehightechsector.Thisisequivalentto4.8-9.3percentoftheannualrevenueofthesector.Theretailsectorcouldalsoseesignificant[...]

ReadmoreNote(s):Worldwide;2023;*Includesaerospace,defense,andautomanufacturing.**Includingautoretail.ReadmoreSource(s):IHSMarkit;McKinsey&Company;OxfordEconomics;S&PGlobalPotentialimpactofgenerativeartificialintelligence(AI)asapercentageofindustryrevenuesworldwidein2023,byindustryPotentialimpactofAIasapercentageofindustryrevenues2023,byindustryPercentageofindustryrevenuesHigh3%Low4%0%1%2%5%6%7%8%9%10%HightechBankingPharmaceuticalsandmedicalproductsTelecommunicationsEducationRealestateEnergyHealthcareMediaandentertainmentInsuranceAdvancedmanufacturing*Consumerpackagedgoods18Description:Generativeartificialintelligence(AI)couldgeneratesignificantvaluewhendeployedacrossindustries,accordingto63usecasesanalyzedin2023.Basedontheseusecases,thehightechsectorcouldhavethehighestprofitsthroughtheuseofgenerativeAI.Onanannualbasis,generativeAIcouldaddbetween4.8percentand9.3percentofthetotalindustryrevenueinthehightechsector.ThebankingsectorcouldalsoseesignificantcontributionsthroughgenerativeAI,with2.8percent[...]

ReadmoreNote(s):Worldwide;2023;*Includesaerospace,defense,andautomanufacturing.**Includingautoretail.ReadmoreSource(s):IHSMarkit;McKinsey&Company;OxfordEconomics;S&PGlobalPotentialimpactofgenerativeartificialintelligence(AI)onproductivityworldwidein2023,bybusinessfunctions(inbillionU.S.dollars)PotentialgenerativeAIproductivityimpact2023,bybusinessfunctionAddedvalueinbillionU.S.dollarsHighLow60002004008001,0001,2001,400MarketingandsalesSoftwareengineeringCustomeroperationsSupplychainandoperationsProductR&DRiskandlegalStrategyandfinanceTalenandorganizationCorporateIT*19Description:Generativeartificialintelligence(AI)couldhaveasignificantimpactontheproductivityofvariousbusinessfunctions,accordingto63usecasesanalyzedin2023.Marketingandsalescouldbenefitthemost,withanaddedrangeofvaluebetween760and1,200billionU.S.dollars.Softwareengineeringcouldalsoseesimilarlyhighaddedvalues.ReadmoreNote(s):Worldwide;2023Source(s):IHSMarkit;McKinsey&Company;OxfordEconomics;S&PGlobalPotentialvaluecreatedbyartificialintelligence(AI)inthebankingsectorin2023,bybusinesssegmentPotentialvaluecreatedbyAIinthebankingsector2023,bybusinesssegmentAddedvalueinbillionU.S.dollars100

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200050250300350400450RiskandlegalCorporatebankingRetailbankingAssetmanagementSoftwareengineeringWealthmanagementCapitalmarketsandinvestmentbankingTalentandorganizationITandfinance20Description:Artificialintelligence(AI)couldpotentiallyleadtoincreasedrevenueinthebankingsectoracrossmultiplebusinesssegments.TheeconomicbenefitsofAIcouldlikelybenefitallbankingsegments,withthehighestgainsinthecorporateandretailbankingsectors.Thesesegmentscouldseeanaddedvalueof321and306billionU.S.dollars,respectively,incaseofsuccessfullyimplementedAIusecases.

ReadmoreNote(s):Worldwide;2023Source(s):McKinsey&CompanyPotentialaddedvalueofgenerativeAItothebankingsector,withexampleusecases,in2023PotentialimpactofgenerativeAIinthebankingsectorwithexampleusecases2023IndicatorValueTotalvaluepotential200-340bnUSD3-5%ValuepotentialasashareofindustryrevenueValuepotentialasashareofoperatingprofitsExampleusecaseinproductR&D,softwareengineeringExampleusecaseincustomeroperationsExampleusecaseinmarketingandsalesExampleusecaseinotherfunctions9-15%LegacycodeconversionCustomeremergencyinteractivevoiceresponse(IVR)CustomretailbankingoffersRiskmodeldocumentation21Description:Generativeartificialintelligence(GenAI)couldhaveasignificantimpactonthebankingsectorintermsofaddedvaluewhendeployedinsomeusecases.Thetotalpotentialaddedvaluecouldrangebetween200and340billionU.S.dollars,whichisequivalenttothreetofivepercentofthetotalindustryrevenue.InthecaseofsuccessfulapplicationsofGenAI,thebankingindustrycouldseeaprofitincreaseofbetweennineand15percent.ReadmoreNote(s):Worldwide;2023Source(s):IHSMarkit;McKinsey&Company;OxfordEconomics;S&PGlobalMainbenefitsofartificialintelligence(AI)inthefinancialservicessectorgloballyin2022and2023BenefitsofAIinfinancialservicesglobally2022-2023Shareofrespondents202315%20220%5%10%20%25%30%35%40%45%43%50%Createdoperationalefficiencies35%42%CreatedacompetitiveadvantageImprovedcustomerexperience17%27%27%46%Yieldedmoreaccuratemodels15%23%Openednewbusinessopportunities/revenuesReducedthetotalcostofownership15%14%20%22Description:ThemainbenefitofAIinfinancialservicesin2023wasthecreationofoperationalefficiencies.Accordingtoasurveycarriedoutin2024,43percentoftherespondentsindicatedmoreoperationalefficienciesthankstoAI.Thiswasasignificantincreasecomparedtolastyear.Ontheotherhand,customerexperience,whichwasconsideredthemainbenefitofAIin2022,droppedtothirdplace,withonly27percentoftherespondentsindicatingimprovedcustomerexperienceasthe[...]

ReadmoreNote(s):Worldwide;

2022and2023;400respondents;financialservicesprofessionals;noresponsesfromChinawereincluded.Source(s):NvidiaCHAPTER

04UsecasesFinancialservicesprocessesusingartificialintelligence(AI)inday-to-dayuseworldwidein2022,bybusinesssegmentUseofAIinfinancialservicesprocessesworldwide2022Shareofrespondents0%5%10%15%20%25%30%35%40%45%Customerexperienceandmarketing:Voiceassistants,chatbots,andconversationalAIPersonalization42%42%40%39%38%38%ContactcenteroptimizationCustomerfeedbackanalysisCustomerserviceoperationsOperationsandfinance:FinancialreportingandaccountingCloudpricingoptimization40%39%IToperationsmanagementUptimeandreliabilityoptimizationProcessautomation39%39%Salesandbusinessdevelopment38%24Description:AccordingtoasurveycarriedoutbetweenAprilandMay2022,themostwidelyusedapplicationsofartificialintelligence(AI)inthefinancialservicesindustrywerevoiceassistants,chatbots,andconversationalAIinthecustomerexperienceandmarketingbusinesssegment,aswellasfinancialreportingandaccountingintheoperationsandfinancesegment.MarketingpersonalizationandcloudpricingoptimizationwerealsoamongtheprocessesthatusedAIonaday-to-daybasis.In[...]

ReadmoreNote(s):Worldwide;ApriltoMay2022;2,620respondents;businessleadersSource(s):DeloitteMostpopularAIusecasesinfinancialservicesworldwidein2023MostpopularAIusecasesinfinancialservicesglobally2023Shareofrespondents0%10%20%30%40%50%60%70%80%DataanalyticsDataprocessing69%57%Naturallanguageprocessing(NLP)Largelanguagemodels(LLM)GenerativeAI47%46%43%25Description:Accordingtoasurveycarriedoutin2023,dataanalyticswasthemostcommonlyusedAI-enabledapplicationusedinthefinancialservicesindustryin2023.Basedonthesurvey,69percentoftherespondentsusedAIfordataanalytics,whichwasfollowedbydataprocessing.OthercommonAIusecaseswerenaturallanguageprocessingandlargelanguagemodels.TheadoptionofAIinfinancialbusinessesincreasedsignificantlysince2022,anditisexpectedtoincreaseevenfurtherinthe[...]

ReadmoreNote(s):Worldwide;2023;400respondents;financialservicesprofessionals;noresponsesfromChinawereincluded.Source(s):NvidiaUsecasesofartificialintelligence(AI)solutionsinfinancialservicesin2023,bybusinessareaMainfinancialservicesbusinessareaswithAIadoption2023Shareofrespondents20%

25%0%5%10%15%30%35%40%45%50%55%OperationsRiskandcomplianceMarketing48%45%34%Sales27%26Description:Theuseofartificialintelligence(AI)inthefinancialservicesindustryvariedacrossbusinessareasin2023.Accordingtoa2024surveyonAItrendsinfinancialservices,thebusinessareawiththehighestAIadoptionwasoperations,witha48percentadoptionrate.Riskandcompliancefollowed,with45percent.ReadmoreNote(s):Worldwide;2023;400respondents;financialservicesprofessionals;noresponsesfromChinawereincluded.Source(s):NvidiaPrimarystrategyoffinancialservicescompaniesforuseofartificialintelligence(AI)andmachinelearning(ML)in1stquarter2023PrimarystrategyoffinancialservicescompaniesforuseofAIandML2023Shareofcompanies0%5%10%15%20%25%30%35%40%45%44%50%Appdevelopmentwithcloud-basedAIandMLservicesPurchasingappswithembeddedML22%Appdevelopmentusingdesktop/server-basedMLandinhousehardwareCustomappdevelopmentwithvendors/systemsintegratorsupportedML19%14%27Description:FinancialservicescompaniesappliedoneparticularstrategyfortheuseofAIandmachinelearningmoreoftenthanothersin2023.TheprimarystrategyfortheuseofartificialintelligenceandMLduringthefirstquarterof2023wasappdevelopmentwithcloud-basedAIandMLservices.44percentofthefinancialservicescompaniesusedthisapplicationregularly.Financialcompaniesalsoregularlypurchaseappswithembeddedmachinelearning.

ReadmoreNote(s):Worldwide;Q12023Source(s):S&PGlobalCHAPTER

05AttitudeandchallengesAttitudeoffinancialservicesindustryleaderstowardgenerativeartificialintelligence(GenAI)inEuropein2023AttitudetowardGenAIinthefinancialservicesindustryinEurope2023Shareofrespondents0%

10%20%30%40%50%60%70%80%90%Training:ExpectationthatGenAIwillsignificantlyaffectproductivityExpectationthatuptoaquarterofallroleswillrequireupskillingoverthenext…Initialstateoftrainingplansforupskilling77%68%42%Lackofactionplansforupskilling35%ExpectationthatuptohalfofallroleswillrequireupskillingoverthenextyearTraininginplacefortargetedgroups17%12%10%DevelopedplansinuseWorkforceisfullyequippedtocontributeend-to-endtobuildingAIcapabilities…Spending:2%RespondentswhoplantoincreasespendingoverthecomingyearRespondentswhoallocatedcapitaltoGenAItechnologiesinthelastyearRoles:75%60%29Description:Almost80percentoffinancialindustryexpertsinEuropeexpectedthatgenerativeartificialintelligence(GenAI)wouldsignificantlyaffectproductivity,accordingtoasurveyconductedinOctober2023.Inaddition,68percentoftherespondentspredictedthatuptoaquarterofallroleswouldrequireupskilling,while35percentoftherespondentsdidnothaveactionplansforsuchupskilling.Intermsofspending,75percentoftherespondentsindicatedthattheyplannedtoincrease[...]ReadmoreNote(s):Europe;October2023;60respondentsSource(s):EYAttitudeoffinancialservicesindustryleaderstowardgenerativeartificialintelligence(GenAI)intheUnitedStatesin2023AttitudetowardGenAIinthefinancialservicesindustryintheU.S.2023Shareofrespondents0%20%40%60%80%100%120%Usage:RespondentswhoeitheralreadyuseorplantouseGenAIRespondentswhodeployAIinsomemannerGeneralattitude:100%99%AIcouldbringimprovementsandopportunitiesincustomerandclientexperienceOptimismaboutGenAIasabenefittotheindustryinthenext5-10yearsOptimismaboutusingGenAI87%77%55%Skepticismintheinsuranceindustry24%21%17%SkepticisminthewealthandassetmanagemenSkepticisminthebankingandcapitalmarketsindustriesMainbarriers:LackofproperdatainfrastructureLackofcommitmentfromleadership40%36%30Description:Almostallfinancialservicesleadersindicatedthattheirorganizationshadalreadydeployedgenerativeartificialintelligence(GenAI)