BCG波士顿咨询：2025年人工智能对银行业的颠覆性影响研究报告（英文版）

• AI-powered agents will optimize financial decisions in real time, making it easier for customers to switch providers and find better deals. Banks that once relied on stickiness will need new ways to earn loyalty. • AI-driven transparency will expose rate structures, fees, and lending terms in real time, eroding pricing power based on opacity. Banks will increasingly need to compete on financial value—offering transparent pricing—as well as intangible value: the timeliness and quality of the