Jun 28, 2025

NayaOne What you’ll get from this article: Whether you are in the C-suite defining strategic technology bets, or leading the teams responsible for building and delivering them, this article breaks down the five GenAI use cases banks are actively deploying in 2025. We connect use cases directly to business KPIs, operational efficiencies, and system-level enablers – with examples from real PoCs and scaled deployments. McKinsey estimates GenAI could add £160 billion to £270 billion annually to the global banking sector. But without the right use cases and foundations, most banks will fail to realise even a fraction of that value. 1. Customer Service Transformation: Intelligent Assistants That Do More Than Deflect Why it matters For COOs and Heads of Digital, GenAI is redefining service delivery. These tools are not just glorified FAQs. Banks are deploying assistants trained on internal documentation, process workflows, and transaction context to support everything from mortgage queries to dispute resolution. The result is 24/7 service that goes beyond triage – delivering real-time resolution with context and control. How it ties to business and technology outcomes Improves Net Promoter Score (NPS) and retention Reduces cost-to-serve by 25 - 40% Allows engineering teams to reduce custom hardcoding of flows Frees agents to focus on revenue-generating and high-empathy interactions Real-world example A UK retail bank deployed a GenAI assistant across three product lines. Within four months, 78% of customer queries were resolved without human escalation. Agent churn dropped by 22%, and internal platform teams reduced the number of new service flows needed by 60%, due to the assistant’s ability to interpret existing workflows dynamically. 2. Regulatory Reporting & Compliance: From Manual to Model-Assisted Why it matters CROs, compliance leads, and data governance teams are under mounting pressure to meet increasing regulatory scrutiny – with smaller teams and tighter timeframes. GenAI is now being used to summarise regulatory updates, align them with internal policies, generate audit commentary, and accelerate documentation tasks. Importantly, outputs remain reviewable, traceable, and editable. How it ties to business and engineering outcomes Cuts regulatory report preparation time by 30–50% Increases traceability and reduces human error Automates low-value manual controls in existing GRC workflows Allows architects to reduce dependency on point-solution tooling Real-world example A global investment bank used GenAI to align its internal control framework with EBA and ECB updates. Time spent reviewing regulatory changes was halved, and internal audit teams reported improved consistency in documentation across risk teams. A companion sandbox environment was used to test RAG-based models for fine-tuning before integration into compliance tooling. 3. Hyper-Personalised Engagement: Financial Guidance That Feels Human Why it matters For Chief Product Officers, Heads of Retail, and Innovation teams, GenAI enables genuine customer intimacy at scale – no longer limited to high-net-worth clients. From contextual nudges to dynamic financial health summaries, banks are using GenAI to deliver proactive, real-time, tailored advice that feels relevant and trusted. How it ties to business and technical metrics Lifts cross-sell and share-of-wallet Reduces pressure on CRM and segmentation engines Enables personalisation without constant developer intervention Real-world example A leading Middle East bank deployed a GenAI agent that generates weekly “money moments” tailored to customer activity. Within 90 days, dormant users showed a 2.4x increase in digital engagement, and uptake of savings products increased by 14%. From a tech side, the agent was built on top of the bank’s existing data lake – avoiding costly CRM rework. 4. Fraud Triage and Analyst Support: Precision at the Point of Risk Why it matters CROs and fraud teams are facing more sophisticated fraud vectors, while architects and platform leads must scale detection systems with fewer resources. GenAI is now being used to generate natural language fraud summaries, suggest risk scores based on behavioural data, and assist Level 1 triage analysts with decisioning context. This improves both precision and speed. How it ties to business and system-level outcomes Reduces false positives and investigation backlog Increases time-to-decision precision Reduces engineering load on hardcoded rules and manual audit trails Real-world example A European bank implemented a GenAI-powered case summariser for its fraud ops team. Analysts reduced time-to-resolution by 42%. The system pulled from multiple data layers — transaction, device, behavioural – and generated a cohesive case file with key anomalies highlighted. Developers built the pipeline using existing fraud APIs and fine-tuned open-source LLMs. 5. Contextual Credit Decisioning: Augmenting Underwriters, Not Replacing Them Why it matters For Heads of Credit, SME, and Commercial Banking, GenAI offers a new way to enhance – not automate – underwriting. It enables banks to consider narrative, behavioural, and industry-specific data alongside traditional credit scores, supporting better decisions and inclusivity. Engineering teams are increasingly building model pipelines that pull from internal and open datasets to generate borrower summaries in real time. Conclusion: GenAI Is Now a Capability, Not an Experiment GenAI is no longer a speculative technology. It is a core capability being embedded across customer, risk, compliance, and credit functions. For decision-makers, the priority is no longer whether GenAI has potential – but whether their institution is set up to realise it. Explore 5 GenAI use cases banks are using in 2025 with real examples tied to KPIs, cost savings, and system enablement From service to credit, NayaOne s Sandbox as a Service platform Accelerate innovation, reduce risks, and partner with top tier fintech marketplace . financial technology NayaOne 2025-03-17 Understanding digital transformation in financial servicesFor financial institutions, digital transformation is not just about keeping up—it is about staying ahead. But what are the benefits of digital transformation in financial services? What are the benefits of digital transformation? Benefit #2: Increased operational efficiencyEfficiency is everything in financial services, and digital transformation is proving to be a game-changer. By embracing digital transformation, financial institutions can launch better products, improve customer experiences, and stay ahead of industry shifts. What are the benefits of digital transformation? 0 Andrew Taylor 2022-07-29 Corporate Innovation Moves to the Top-shelfThese industry dynamics present new innovation imperatives for financial institutions to evolve their business models across the dimensions of digitalization and platformification. The radical shifts that the industry has been going through have demanded financial institutions re-evaluate their approach towards innovation. Looking at the gamut of innovation projects that have become prevalent in the financial services industry in recent years, we envisage a new innovation paradigm for financial institutions to launch and maintain their innovation portfolios. Ownership-focused innovation involves the traditional innovation approach that gives complete control over the innovation process and allows firms to own the business outcomes and intellectual property that comes from the innovation projects. NayaOne, with its innovation enabling offerings, allows financial institutions to run different innovation projects either internally or in partnership with outside innovators. 0 FinTech Buzz 2020-04-16 OneConnect Financial Technology Co. Ltd. (“OneConnect”, NYSE: OCFT), a leading TaaS company for financial institutions in China, has been appointed by Abu Dhabi Global Market (“ADGM”), the award winning International Financial Centre in Abu Dhabi, to support the development of the ADGM Digital Lab. The ADGM Digital Lab is a digital platform where financial institutions (“FIs”) and FinTech firms can collaborate, test and develop innovative solutions for the financial services sector, with direct participation from ADGM’s Financial Services Regulatory Authority (“FSRA”).In recent years, digital innovation has become a focal point in Abu Dhabi’s plans and initiatives in building a knowledge-based economy to support economic growth and diversification. Since its establishment in October 2015, ADGM has led significant efforts in accelerating the digital transformation of the financial services sector in the Middle East. The Digital Lab is one such initiative to address the key challenges FIs and FinTechs encounter in their ability to deploy and scale innovation. In particular:– FIs lack access to platforms to test and experiment with prospective FinTech solutions prior to procurement approvals and commercial agreement;– FIs encounter major difficulties and costs to integrate their legacy banking systems with FinTech solutions; and– FinTechs are overburdened with procurement processes and costs incurred each time they interact with the banks.Leveraging the ADGM Digital Lab, FIs such as banks can enable rapid prototyping by:– Replicating their operating systems within the testing environment of the Lab;– Choosing from an ecosystem of FinTech solutions to test new product offerings or replace legacy infrastructure; and– Developing new business models and picking and choosing components from different FinTech providers.Through collaboration between industry and regulators, the Digital Lab aims to create a trusted marketplace for experimentation to build the enablers for the smart financial centre of the future.OneConnect’s collaboration with ADGM on the Digital Lab is its first landing project in the Middle East. As early as July 22, 2019, OneConnect signed a memorandum of understanding (MoU) with ADGM to jointly promote and develop FinTech innovation, ecosystems and market opportunities that will support and connect the economies in both the Belt-and Road corridor and the Middle East and North Africa region. 0 scoreme 2021-12-15 With the rapid advent of “digital” in India since the past few years, it has increasingly become easier to access financial services. A widely used term in the new digital age, fintech, has contributed to the changing patterns of consumer banking. Around the year 2015, India saw a boom in technology adoption in financial services. According to Research and Markets, in 2019, the Fintech companies in India was valued at Rs 1,920 Bn and is expected to reach Rs 6,207 Bn by 2025, expanding at a CAGR of 22. Read Full Article - https://bit. 0 Boost Rank SEO 2023-12-13 Impact of Fintech on the Banking Industry;Fintech, or financial technology, has been disrupting and revolutionizing many industries, and the banking industry is no exception. Increased Access to Financial Services: Fintech has also expanded access to financial services for underserved populations. Here are some of the most popular fintech solutions in the market today that are revolutionizing the banking industry:1. Challenges and Risks of Fintech in the Banking Industry;Fintech, or financial technology, has been making a huge impact on the banking industry in recent years. Conclusion:         It is clear that collaboration between traditional banks and fintech companies is essential for the continued success and evolution of the banking industry. 0 sylvia decosta 2019-03-18 Latest Research Report on “InsurTech Market” Added by Analytical Research Cognizance which covers Market Overview, Future Economic Impact, Competition by Manufacturers, Supply (Production), & Consumption Analysis The banks and financial institutions are witnessing transformation with the emergence of FinTech vendors, thereby disrupting the traditional model of operations and processes. The digital and analytical tools have opened new revenue model and value chain through digital brokers. The FinTech industry, over the last couple of years, has realized the need and opportunity of InsurTech software. Get Sample for (Insurance Technology) InsurTech Market Report @ http://www.arcognizance.com/enquiry-sample/186089 Market Revenue and Segmentation Analysis: 0 ‘Finance’ and ‘Technology these two keywords led to the rise of fintech software development. Technology has transformed the way we do everything – from shopping to networking, and from hospitality to education. Now it has taken charge of the financial services. It is appealing to them since they grew up with mobile, and would love to handle their financial habits through the same device. As per the IDC, a market research firm, the millennial considers the financial services as yet another consumer product. But this is not the only alone reason, that is keeping the financial market look for a new future ahead. There is much more. 0 The fintech market comprises sales of technology and platform-based financial services and some other related goods. In 2019, the global fintech market reached a market value of around $111,240.5 million and is expected to grow to around $191,840 million in 2024, $191,840 million in 2025, and around $325,311 million in 2030.Stash, a fintech company, acts as a personal finance application for its users offering a variety of products for investing and saving purposes. It provides valuable financial education to the users through its educational content and support. During the signup process, Stash asks many questions from the user to determine the user’s level of risk tolerance as well as individual’s financial goals. Depending upon the plan the user chooses, he/she can also open an individual retirement account (IRA) or an investment account for his/her kids.Consider yourself as a user and that you have chosen a subscription plan of Stashinvest to get started. Now, you can add money to your Stashinvest account, automatically. 0 This evolution focuses on designing a seamless, versatile and collaborative experience for the end consumers. Technological advancement anchored this transformation by upgrading retail and mobile banking to neobank startups, propelling banking into a digitalized future.The rapid advancement in technology has created many challenges for the traditional brick and mortar branches. Though they are well equipped with financial resources and consumer relationships with a decent reach, they need to adopt digital ways for banking to stay relevant in the future.Here are some ways how digital can shape the banking landscape:Frictionless banking through utilization of B-a-a-S or API Banking: Legacy institutions are best positioned to succeed if they commit to full-fledged digital transformation by introducing extremely adaptable solutions and can utilize Open APIs to integrate new financial systems and open banking software, allowing faster expansion. The most common of these solutions is Banking-as-a-Service (B-a-a-S), where digital banks and other third parties can connect with the bank’s system directly via APIs.Emergence of Personalized banking tools — The emerging digital banking solutions focus on providing self-learning digital banking software tools sensitive and intuitive to customer needs by utilizing a range of cutting-edge technologies to increase consumer engagement, including AI-powered chatbots, wearable assistance, personal finance Management, P2P Payments through voice bots, and QR code scanning.Data Analytics for Customized Solutions: — Financial service providers will get a deep insight into customers’ lives owing to Big Data, IoT, Blockchain and Open Banking. They can better the lives of their customer by employing the following techniques: -The technologies such as IoT tend to track the real lives of customers rather than relying on manual submissions, the customer data will be safe and secure through blockchain technology which would be further authenticated via AI. 0 ava nancy 2024-01-21 Evolution of Fintech:The journey of fintech apps began with the digitization of traditional banking services. Enhanced Convenience:Mobile Accessibility:Fintech apps provide users with the flexibility to manage their finances anytime, anywhere. Smarter Budgeting and Expense Tracking:Automated Budgeting:Fintech apps often come equipped with automated budgeting features that analyze spending patterns and create personalized budgets. Expanded Financial Services:Fintech apps are poised to offer an even broader spectrum of financial services, from insurance products to innovative lending solutions, further consolidating their role in shaping the future of finance. Conclusion:In conclusion, fintech apps have become indispensable tools for individuals seeking efficient and user-friendly ways to manage their finances. Alex Harpper 2019-10-17 Over the last decade, the Fintech landscape has grown by an annual rate of about 24% across developed nations within Europe, North America, and Asia according to an overview of market developments by EY. As this growth has become amplified, we see Fintechs proving to have a considerable impact on the financial industry in the way of innovative, customer-friendly solutions that offer greater flexibility than current options provided by traditional institutions. While this works in developed nations, where the customer base wants flexibility, in underdeveloped nations like Sub-Saharan Africa, there is massive potential. Here is how Fintechs are helping African Nations transition from being unbanked or underbanked to financial inclusion. DigiFutura Technologies 2019-07-12 There are a number of best fintech app ideas introduced by fintech app development companies, who are helping the existing financial structures and larger financial corporations that are less into technology. fintech application development trends It is a multi-billion-dollar industry, still dominated by a number of fintech startups. For fintech domain, the rise of fintech startups, stress on building best fintech apps for any type of financial business also has some concrete reasons behind. In the earlier days, there were only a few data which the underwriters have while assessing the risk. Centelon Solutions 2023-11-06 Though this strategy can help you cut costs, Business News Daily warns that outdated technology comes with costly consequences. Out-of-date hardware and software can compromise your business’ cybersecurity, making your systems vulnerable to ransomware attacks or malware damage. At the same time, competitors with better technologies may offer a better experience and greater protection causing your customers to switch to them. So if you want to keep up with other businesses, you can plan ahead by learning more about the business IT trends for 2023:Brand data analyticsA branding strategy establishes your business’ reputation as the go-to fix for specific problems and interests. They can also use these languages for predictive analytics to give your business better insights into your brand content strategy, platforms, and more. Justin Ray 2022-06-08 It is integrated with the robust ERC-721 standard on top of the Ethereum blockchain. In the SandBox Clone, ERC-721 & ERC-1155 tokens are developed for integration into this virtual gaming environment. Stunning user interface and designs are built to deliver a decentralized classy virtual SandBox game. Lifetime copyright protection is offered for the owner’s assets. ly/3PzLsVNCitation : Sandbox Clone Script - Sellbitbuy Highen Fintech 2022-05-23 Up to 28% of banking and payment services companies will witness this risk of going obsolete. Instead, it is time to catch up with the change and understand fintech app development. Today, almost 73% of Americans view Fintech as the new normal. In simple words, Fintech is a blend of Finance and Technology. The Integration between technology and banks has developed a smarter financial service sector. Alex Morris 2023-06-01 Customer-facing businesses can use privacy-preserving synthetic data to avoid violating their customers' data protection regulations while speeding up their analytics projects. In all of these instances, artificially generating the data is faster and more cost-efficient than collecting and processing real-world data. Fortunately, synthetic data lets them access high-quality data without putting anyone’s privacy at risk. The best synthetic data generators can synthesize complex time series and transaction data. Moreover, synthetic data can be produced for a wide range of healthcare use cases and does not require secondary consent to be analyzed. Ispita Smith 2022-01-03 Rise in the adoption of cognitive computing technology and advanced analytics is an essential factor driving the autonomous data platform market. The Autonomous Data Platform Market Scope and SizeThe scope of winning Autonomous Data Platform Market report extends from market scenarios to comparative pricing between major players, cost and profit of the specified market regions. com/reports/global-autonomous-data-platform-marketCompetitive Landscape and Autonomous Data Platform Market Share AnalysisAutonomous data platform market competitive landscape provides details by competitor. The above data points provided are only related to the companies’ focus related to autonomous data platform market. MAJOR TOC OF THE REPORTChapter One: Autonomous Data Platform Market OverviewChapter Two: Manufacturers ProfilesChapter Three: Autonomous Data Platform Market Competition, by PlayersChapter Four: Autonomous Data Platform Market Size by RegionsChapter Five: Autonomous Data Platform Market Revenue by CountriesChapter Six: Autonomous Data Platform Market Revenue by TypeChapter Seven: Autonomous Data Platform Market Revenue by ApplicationChapter Eight: Autonomous Data Platform Market Revenue by IndustriesChapter Nine: Autonomous Data Platform Market Revenue by Deployment ModelChapter Ten: Autonomous Data Platform Market Revenue by End UserGet TOC Details: https://www. Henceforth Solutions 2023-05-18 With the right digital marketing services, online sellers can maximize their ecommerce reach and conversions. The first step to utilizing digital marketing services is to identify the goals that the merchant wishes to achieve. Once the goal has been established, the digital marketing services can be used in conjunction with the ecommerce marketplace platform to develop and execute an effective digital marketing strategy. Utilizing digital marketing services can help online sellers create a more profitable ecommerce store. An ecommerce marketplace platform can provide online sellers with the tools and resources they need to create and manage a successful digital marketing strategy.