Veronica Dantas on How AI is Changing the Banking Industry

1. Veronica Dantas on How AI is Changing the Banking Industry A visionary perspective on the artificial intelligence revolution transforming global finance

2. Meet Veronica Dantas: A Visionary in Finance and Innovation Leadership Credentials Founding Partner of Opportunity, a leading Brazilian asset management firm with over 30 years of experience in shaping the financial landscape. Pioneered international banking divisions and strategic investments in emerging technologies, establishing herself as a transformative force in global finance. Recognised throughout the industry for her leadership in reshaping financial services through innovative technology adoption and strategic vision.

3. The AI Revolution in Banking: A Strategic Imperative in 2025 $21B AI Investment $2T Economic Impact 78% Adoption Rate Banks invested in artificial intelligence technology during 2023 Financial institutions now using AI in at least one business function Global economic value created by AI across financial services AI has evolved from experimental pilot projects to become central to operational efficiency, risk management, and customer experience. According to McKinsey's 2025 research, the transformation is accelerating across all banking segments.

4. Operational Efficiency: AI Targets High- Friction Workflows Intelligent Document Processing Workflow Optimisation Generative AI Solutions Automated assignment of stalled loan applications to appropriate underwriters based on workload, expertise, and priority levels. nCino's Banking Adviser uses generative AI to dramatically reduce manual processes, freeing staff for higher-value strategic activities. AI systems parse complex tax returns and financial documents, automatically pre-filling borrower profiles and eliminating manual data entry errors. AI replaces generic robotic process automation with workflow-specific solutions tailored to lending, customer onboarding, and complex document processing—transforming how banks operate at every level.

5. Risk Management Transformed by AI Real-Time Fraud Detection Predictive Credit Risk Models AI analyses transaction patterns instantaneously, identifying fraudulent activity with unprecedented accuracy and speed, protecting both institutions and customers. Advanced AI algorithms predict loan defaults more accurately than traditional credit scoring methods. M&T Bank's AI- driven credit monitoring system exemplifies this breakthrough. Cybersecurity Defence AI security systems detect and respond to threats in real-time—crucial protection after the banking sector faced over 20,000 cyberattacks resulting in £2.5 billion in losses during 2023.

6. Personalising Customer Experience at Scale Intelligent Customer Engagement 24/7 AI-powered chatbot support providing instant, accurate responses Predictive analytics delivering tailored financial product recommendations 77% Dynamic engagement strategies reaching customers with the right message at precisely the right moment Retention Boost Banking leaders report AI-driven personalisation significantly improves customer retention rates Banks leverage artificial intelligence to meet individual customer needs at scale, driving both satisfaction and revenue growth through intelligent, data-driven personalisation.

7. AI's Impact on Banking Efficiency Ratios and Growth Efficiency Transformation PwC analysis reveals full AI adoption can improve bank efficiency ratios by up to 15 percentage points—a game-changing operational advantage. Revenue Growth Strategy AI enables banks to shift focus from cost-cutting to revenue generation through intelligent automation and agile operational models. Human-AI Collaboration Banking workflows are redefined as human expertise combines with AI capabilities, positioning employees for high-value strategic roles.

8. Veronica Dantas' Perspective: Embracing AI for Sustainable Financial Success Strategic Investment Alignment Dantas advocates for AI investments carefully aligned with clear business objectives and robust, responsible governance frameworks—ensuring technology serves strategic goals. Talent and Culture Development She emphasises the critical importance of developing talent and fostering an innovation-driven culture to harness AI's full transformative potential across organisations. Long-Term Value Creation Dantas views AI as a powerful tool to unlock new value streams in asset management and banking, driving sustainable long-term growth and organisational resilience.

9. Challenges and the Road Ahead Key Hurdles Integration complexity across legacy banking systems Critical skills gaps in AI expertise and data science Data governance and regulatory compliance requirements Infrastructure investment needs for sustainable transformation

10. The Future is Now AI as Catalyst Visionary Leadership Artificial intelligence is not merely technology—it's a catalyst for fundamentally rethinking banking's very nature and purpose. Veronica Dantas exemplifies the visionary leadership required to guide financial institutions through this AI-driven evolution. Defining Tomorrow The banks that embrace AI strategically today will define the financial landscape of tomorrow and beyond.