印度尼西亞金融行業(yè)運用（生成式）人工智能的力量

Tableofcontents

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Executivesummary

3strategicplaysforGenAlIntegration

ThemesDefiningtheopportunityforAl&GenAl

InherentRisks&NewchallengesintheAgeofGenAl

Authors

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

Foreword

pandusjahrir

AndyLees

BCG》

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices2

Executivesummary

HOWFinancialInstitutionsviewGenAIl:

3strategicplaysforAlIntegration

Deploy

Reshape

Invent

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices3

AdviceforBusinessLecders

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices4

2

3

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices5

AI&GenAI

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

GenerativeAl"Rightbrain"

Exhibit1

predictiveAl"Leftbrain"

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices7

MaincapabilitiesofGenAlthatdrivevalue[Exhibit2]

summarizationIdeation

Description

Exhibit2

conversation

Alagents

[Exhibit3

Exhibit3

22%

12%

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices8

[exhibit4

AnticipatedbenefitsofIntegratingGenAlExhibit4

85%

56%

41%

76%

32%

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

[exhibit5

Exhibit5

GenAluseintraditionalfinancialinstitutions%

41%

39%

20%

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

ll

[exhibits

Deploy

Reshaipe

Invent

[Exhibit7]

Exhibit7

51%

27%

22%

DeployReshapeInvent

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

AI&GenAI

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

[exhibit9]

wherefinancialinstitutionsseethemostfuturepotentialforGenAl

Exhibit9

5%

7%

7%

15%

12%

15%

29%

7%

12%

15%

22%

37%

22%

20%

22%

15%

24%

17%

15%

37%

37%

15%

20%

49%

15%

12%

7%

20%

12%

2%

15%

7%

7%

7%

12%

progressofGenAlimplementation&realizationofbenefits

5%

7%

22%

17%

20%

20%

37%

39%

34%

29%

49%

51%

37%

39%

24%

7%

34%

15%

5%

22%

22%

7%

7%

7%

5%

Exhibit9

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

A工

FintechstartupsTraditionalFinancialInstitutions

[exhibitio]

Exhibit10

44%

37%

12%

5%

2%

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

2

FintechstartupsTraditionalFinancialInstitutions

Fintechcasestudiy

[Exhibit]

Exhibit11

37%

27%

24%

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

3

FintechstartupsTraditionalFinancialInstitutions

brg

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

4

FintechstartupsTraditionalFinancialInstitutions

[Exhibit12]

Exhibit12

39%

32%

17%

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

5

FintechstartupsTraditionalFinancialInstitutions

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

[Exhibit13]

Exhibit13

39%

34%

22%

2%2%

personcalizedinsights

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

FintechstartupsTraditionalFinancialInstitutions

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

Exhibit14

TopreasonsforusingGenAlinmicrolending

44%

20%

17%

2%2%

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices22

GenAI

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices23

Hallucinations

HarmfulBiases

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices24

ImminentRegulations

Recommendlations

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices25

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

(Gen)Alsuccess

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices27

""3::"

3瓣

4

3:'

4pillarsdefinethefoundationsforGenAIreadiness[Exhibit14]

GOVERNANCE

OPERATINGMODEL

DATA&(GEN)AlpLATFORM

CYBERSECURITY

TALENT&SKILLS

CHANGEMANAGEMENT

AIDELIVERYOFFICE

Exhibit14

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices28

[exhibit15]

GenAlreadinessoffinancialinstitutions

7%

32%

22%

29%

41%

41%

32%

32%

37%

22%

.NotReadysomewhatReadyReady

Talent

operatingModel changeMgmtAlDeliveryoffice

ResponsibleA

cybersecurity

Governance

Exhibit15

44%

20%

39%

39%

29%

32%

22%

37%

37%

37%

41%

51%

17%

3lowestfoundationalpriorities

43%

31%

26%

TOP3foundationalpriorities

22%

20%

17%

*surveydatacollectedisfrommid-largesizedbanksonly

Harnessingthepowerof(Gen)AlinIndonesianFinancialservices

Governanc