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complaint",[8],"lodge-a-complaint",{"ID":485,"post_author":6,"post_date":432,"post_date_gmt":486,"post_content":29,"post_title":8,"post_excerpt":8,"post_status":10,"comment_status":11,"ping_status":11,"post_password":8,"post_name":487,"to_ping":8,"pinged":8,"post_modified":432,"post_modified_gmt":432,"post_content_filtered":8,"post_parent":13,"guid":488,"menu_order":82,"post_type":16,"post_mime_type":8,"comment_count":17,"filter":18,"db_id":485,"menu_item_parent":17,"object_id":489,"object":20,"type":21,"type_label":22,"url":490,"title":491,"target":8,"attr_title":8,"description":8,"classes":492,"xfn":8,"layout_type":48},6322,"2025-05-13 06:56:55","6322","https:\u002F\u002Fcbtw.tech\u002Fpreview\u002Fpost\u002F6322?p=6322&#038;preview=true&#038;post_type=nav_menu_item","2152","https:\u002F\u002Fcbtw.tech\u002Findex-egalite-femmes-hommes-de-72-100\u002F","Index égalité femmes-hommes de 72\u002F100",[8],[494],{"id":495,"date":496,"date_gmt":496,"guid":497,"modified":498,"modified_gmt":498,"slug":499,"status":10,"type":500,"link":501,"title":502,"content":504,"excerpt":507,"author":509,"featured_media":510,"comment_status":511,"ping_status":511,"sticky":506,"template":8,"format":512,"meta":513,"categories":514,"tags":516,"cbtw_industries":517,"cbtw_services":519,"class_list":521,"acf":531,"yoast_head":553,"yoast_head_json":554,"lang":653,"translations":654,"cbtw_post_categories":655,"header":657,"layout_builder":658,"featured_image":666,"industries":672,"services":677,"cbtw_post_author":574,"breadcrumb":681,"primary_category_name":373,"post_region":552,"featured_image_url":572,"primary_industry_name":674,"primary_service_name":679,"pll_sync_post":687,"_links":688,"_embedded":735},9918,"2025-08-08T07:33:58",{"rendered":189},"2025-08-14T02:32:18","build-a-winning-ai-business-case-for-fintech-leaders","post","https:\u002F\u002Fcbtw.tech\u002Finsights\u002Fbuild-a-winning-ai-business-case-for-fintech-leaders",{"rendered":503},"AI for Fintech Leaders: Building a Winning Business Case",{"rendered":505,"protected":506},"\n\u003Cdiv class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-1 wp-block-group-is-layout-flex\">\n\u003Cp>U.S. fintech leaders are facing increasing pressure from their boards, competitors, and the news to implement AI. However, turning this hype into genuine return on investment (ROI) remains a complex and ongoing challenge.&nbsp;\u003C\u002Fp>\n\n\n\n\u003Cp>Before requesting a significant AI budget, it is important to be aware of these three common artificial intelligence business case mistakes that frequently cause projects to fail before they begin.&nbsp;\u003C\u002Fp>\n\n\n\u003Ch2 class=\"wp-block-heading\" id=\"h-1-chasing-ai-hype-over-proven-roi-opportunities-nbsp-nbsp\">\u003Cstrong>1. Chasing AI Hype Over Proven ROI Opportunities \u003C\u002Fstrong> \u003C\u002Fh2>\n\n\n\u003Cp>The most common mistake? Pursuing advanced, generative AI solutions while still struggling with manual, inefficient back-office operations. At CBTW Americas, we observe firms chasing media buzz rather than measurable profit.&nbsp;\u003C\u002Fp>\n\n\n\n\u003Cp>Focus your AI implementation on proven, high-ROI areas:&nbsp;\u003C\u002Fp>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>Fraud Detection &amp; Risk:\u003C\u002Fstrong> This is AI’s most mature application, representing \u003Cstrong>over 33%\u003C\u002Fstrong> of the market (Grand View Research). Machine learning slashes false positives and blocks fraud in real time.&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>Customer Service Automation:\u003C\u002Fstrong> Bank of America’s &#8220;Erica&#8221; has handled over \u003Cstrong>2.5 billion\u003C\u002Fstrong> client interactions (Bank of America) &#8211; demonstrating scalable efficiency.&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>Operational Efficiency (RPA):\u003C\u002Fstrong> BNY Mellon improved processing time by \u003Cstrong>88%\u003C\u002Fstrong> and achieved \u003Cstrong>100%\u003C\u002Fstrong> accuracy for some tasks (Emerj). Start with internal processes for the fastest returns.&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fdiv>\n\n\n\n\u003Cfigure class=\"wp-block-image size-large\">\u003Cimg loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002Ffinancial-advisor-presents-detailed-stock-market-analysis-clients-1-1024x683.jpg\" alt=\"AI to customer service\" class=\"wp-image-9920\" srcset=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002Ffinancial-advisor-presents-detailed-stock-market-analysis-clients-1-1024x683.jpg 1024w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002Ffinancial-advisor-presents-detailed-stock-market-analysis-clients-1-800x533.jpg 800w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002Ffinancial-advisor-presents-detailed-stock-market-analysis-clients-1-100x67.jpg 100w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002Ffinancial-advisor-presents-detailed-stock-market-analysis-clients-1.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \u002F>\u003C\u002Ffigure>\n\n\n\u003Ch2 class=\"wp-block-heading\" id=\"h-2-overlooking-project-killing-risks-nbsp\">\u003Cstrong>2. Overlooking Project-Killing Risks\u003C\u002Fstrong> \u003C\u002Fh2>\n\n\n\u003Cdiv class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\">\n\u003Cp>Many business cases overemphasize upside, ignoring critical risks that can derail projects and budgets. Recognize and plan for these threats:&nbsp;\u003C\u002Fp>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>Regulatory Complexity:\u003C\u002Fstrong> Generative Artificial Intelligence enables new fraud risks. Deepfake-driven fraud could cost \u003Cstrong>$40 billion\u003C\u002Fstrong> in the U.S. by 2027 (Deloitte). Your business case must address governance, transparency, and compliance.&nbsp;&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>The Talent Gap:\u003C\u002Fstrong> In 2024, 100% of financial firms increased AI\u002FML investment &#8211; but talent shortages remain a major barrier (IIF\u002FEY). Ensure your budget accounts for skilled staff, as they are as essential as the technology.&nbsp;&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>Hidden Infrastructure Costs:\u003C\u002Fstrong> AI requires powerful hardware and scalable hybrid-cloud infrastructure (Gartner). Insufficient hardware budgets often sabotage long-term scalability.&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fdiv>\n\n\n\n\u003Cdiv class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-3 wp-block-group-is-layout-flex\">\u003Ch2 class=\"wp-block-heading\" id=\"h-3-going-for-a-big-bang-launch-instead-of-internal-wins-nbsp-nbsp\">\u003Cstrong>3. Going for a ‘Big Bang’ Launch Instead of Internal Wins \u003C\u002Fstrong> \u003C\u002Fh2>\n\n\n\u003Cp>Everyone wants to unveil a revolutionary, customer-facing AI. However, leading U.S. financial institutions start by solving high-value internal problems with AI.&nbsp;\u003C\u002Fp>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>JPMorgan Chase built an internal ChatGPT-like tool for wealth advisors.&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>Morgan Stanley deployed a GPT-4-based assistant for internal data query needs.&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cp>These companies use GenAI to improve processes and prove ROI privately before going public (The UXDA). Meanwhile, firms investing in customer-facing chatbots often see limited results.&nbsp;\u003C\u002Fp>\n\u003C\u002Fdiv>\n\n\n\n\u003Cfigure class=\"wp-block-image size-large\">\u003Cimg loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002F2150169850-1-1024x683.jpg\" alt=\"AI business case\" class=\"wp-image-9921\" srcset=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002F2150169850-1-1024x683.jpg 1024w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002F2150169850-1-800x533.jpg 800w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002F2150169850-1-100x67.jpg 100w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002F2150169850-1.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \u002F>\u003C\u002Ffigure>\n\n\n\n\u003Cdiv class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4 wp-block-group-is-layout-flex\">\u003Ch3 class=\"wp-block-heading\" id=\"h-actionable-guidance-for-your-ai-business-case-nbsp\">\u003Cstrong>Actionable Guidance for Your AI Business Case\u003C\u002Fstrong> \u003C\u002Fh3>\n\n\n\u003Cp>At CBTW Americas, we recommend you build the case around tangible ROI. Recent data reveals:&nbsp;\u003C\u002Fp>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>\u003Cstrong>70% of firms\u003C\u002Fstrong> attribute at least a \u003Cstrong>5% revenue boost\u003C\u002Fstrong> to AI, and 60% report similar cost savings (Glassbox).&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cul class=\"wp-block-list\">\n\u003Cli>Agentic AI shows \u003Cstrong>3.5 to 6 times higher ROI\u003C\u002Fstrong> than legacy automation, with payback in under 14 months (Unique.AI).&nbsp;\u003C\u002Fli>\n\u003C\u002Ful>\n\n\n\n\u003Cp>The “next big thing” in finance &#8211; Autonomous and Embedded Finance &#8211; is coming (Devoteam, Chicago Partners). Don’t risk your roadmap by misallocating resources early. The U.S. financial sector is projected to spend \u003Cstrong>$54 billion\u003C\u002Fstrong> \u003Cstrong>on Artificial Intelligence\u003C\u002Fstrong> by 2028 (Statista), with up to \u003Cstrong>$340 billion\u003C\u002Fstrong> in annual value at stake (McKinsey).&nbsp;\u003C\u002Fp>\n\n\n\n\u003Cp>Don’t get lost in the hype &#8211; invest where ROI is proven.\u003C\u002Fp>\n\u003C\u002Fdiv>\n\n\n\n\u003Cdiv class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-5 wp-block-group-is-layout-flex\">\n\u003Cp>\u003Cstrong>References\u003C\u002Fstrong>&nbsp;\u003C\u002Fp>\n\n\n\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fnewsroom.bankofamerica.com\u002Fcontent\u002Fnewsroom\u002Fpress-releases\u002F2025\u002F02\u002Fdigital-interactions-by-bofa-clients-surge-to-over-26-billion--u.html\" target=\"_blank\" rel=\"noreferrer noopener\">Bank of America\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fchicagopartnersllc.com\u002Fyour-resources\u002Fwealth-blog\u002Fthe-impact-of-artificial-intelligence-on-financial-services-in-2025\u002F\" target=\"_blank\" rel=\"noreferrer noopener\">Chicago Partners\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Fwww.prnewswire.com\u002Fnews-releases\u002Fdeloitte-2024-financial-services-industry-predictions-ai-expected-to-transform-retail-investing-increase-banking-fraud-and-drive-new-insurance-market-climate-change-expected-to-further-increase-insurance-costs-for-commercial-re-302158362.html\" target=\"_blank\" rel=\"noreferrer noopener\">Deloitte\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Fwww.devoteam.com\u002Fexpert-view\u002Fai-in-banking-2025-trends\u002F\" target=\"_blank\" rel=\"noreferrer noopener\">Devoteam\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Femerj.com\u002Fai-in-banking-analysis\u002F\" target=\"_blank\" rel=\"noreferrer noopener\">Emerj\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Fwww.gartner.com\u002Fen\u002Fnewsroom\u002Fpress-releases\u002F2025-01-21-gartner-forecasts-worldwide-it-spending-to-grow-9-point-8-percent-in-2025\" target=\"_blank\" rel=\"noreferrer noopener\">Gartner\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Fwww.glassbox.com\u002Fblog\u002Fai-in-banking\u002F\" target=\"_blank\" rel=\"noreferrer noopener\">Glassbox\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Fwww.grandviewresearch.com\u002Findustry-analysis\u002Fai-agents-financial-services-market-report\" target=\"_blank\" rel=\"noreferrer noopener\">Grand View Research\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Fwww.iif.com\u002FPublications\u002FID\u002F5992\u002FIIF-EY-Annual-Survey-Report-on-AIML-Use-in-Financial-Services\" target=\"_blank\" rel=\"noreferrer noopener\">IIF \u002F EY\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Fwww.mckinsey.com\u002F~\u002Fmedia\u002Fmckinsey\u002Findustries\u002Ffinancial%20services\u002Four%20insights\u002Fbuilding%20the%20ai%20bank%20of%20the%20future\u002Fbuilding-the-ai-bank-of-the-future.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">McKinsey\u003C\u002Fa>,&nbsp;&nbsp;\u003Ca href=\"https:\u002F\u002Fwww.statista.com\u002Fstatistics\u002F1557315\u002Famericas-banking-sector-ai-spending-forecast\u002F\" target=\"_blank\" rel=\"noreferrer noopener\">Statista\u003C\u002Fa>\u003Ca href=\"https:\u002F\u002Fwww.theuxda.com\u002Fblog\u002Fai-gold-rush-21-digital-banking-ai-case-studies-cx-transformation\" target=\"_blank\" rel=\"noreferrer noopener\">, The UXDA&nbsp;&nbsp;, \u003C\u002Fa>\u003Ca href=\"https:\u002F\u002Fwww.unique.ai\u002Fen\u002Fblog\u002Funlocking-real-roi-from-agentic-ai-in-financial-services\" target=\"_blank\" rel=\"noreferrer noopener\">Unique\u003C\u002Fa>&nbsp;&nbsp;\u003C\u002Fp>\n\u003C\u002Fdiv>\n\n\n\n\u003Cp>\u003C\u002Fp>\n",false,{"rendered":508,"protected":506},"\u003Cp>U.S. fintech leaders are facing increasing pressure from their boards, competitors, and the news to implement AI. However, turning this hype into genuine return on investment (ROI) remains a complex and ongoing challenge.&nbsp; Before requesting a significant AI budget, it is important to be aware of these three common artificial intelligence business case mistakes that [&hellip;]\u003C\u002Fp>\n",42,9922,"open","standard",{"_acf_changed":506,"content-type":8,"inline_featured_image":506,"footnotes":8},[515],46,[],[518],55,[520],130,[522,500,523,524,525,526,527,528,529,530],"post-9918","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights","cbtw_industries-banking-finance","cbtw_services-banking-technology-solutions",{"authors":532,"article_authors":533,"direct_external_link":8,"post_region":8,"layout_builder":536},"Richard Kim",[534],{"author_name":532,"author_url":535},"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Frichard-kim-4367814\u002F",[537],{"acf_fc_layout":538,"title":190,"ui_v2":539,"short_description":540,"cbtw_related_group_filters":541,"items":506,"link":548,"hubspot_form_id":8,"mainPostId":495,"region":552},"block_insights",true,"Access related expert insights",{"cbtw_related_category_filter":542,"cbtw_related_tag_filter":543,"cbtw_related_industry_filter":544,"cbtw_related_service_filter":546},[192,379],[],[545],"banking-finance",[547],"banking-technology-solutions",{"title":549,"url":550,"target":551},"View all insights","https:\u002F\u002Fcbtw.tech\u002Finsights","_self","global","\u003C!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v25.4) - 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