Finance: AI Roadmap to 2040

Three horizons. Concrete pilots. KPIs that prove it works.

Now (0–12 months)

  • Unified IDs for customer, account, device
  • Fraud features from device + behavior telemetry
  • Ops queue triage with human oversight

Next (12–36 months)

  • Collections prioritization; risk-adjusted offers
  • Agent copilot with retrieval and guardrails
  • Model risk management automation

2030–2040

  • Real-time risk engines; embedded finance partners
  • AI-first servicing with strong audit and red-team

Architecture notes

  • Event sources to feature store; lineage and approvals
  • Policy engine; explainable models for regulated flows

KPIs

  • Fraud loss rate; chargeback time; NPS/CSAT
  • AHT; first contact resolution; regulatory findings

First pilots

  • Fraud model on a narrow segment
  • Agent copilot for top 3 intents

Risks & guardrails

  • Regulatory exposure; set audit trails and model cards
  • Data leakage; strict PII contracts, DLP
← Back to Playbooks