催化人工智能和量子技术改变金融

Foreword1. Executive Summary2. Introduction to Artificial Intelligence and Quantum Technology3. Key ThemesA. Use of AI in Financial Services and Value CaptureB. The AI Operating ModelC. Lessons Learnt from the Adoption of AID. Evolution and the Role of Public-Private PartnershipsE. The Potential of Quantum TechnologyF. Convergence of AI and Quantum Technology4. Future Outlook — The Way Forward5. About UsSingapore FinTech Festival 2024Global Finance & Technology Network (GFTN)Quotient — AI by Oliver Wyman6. Authors and Contributors ii246384041 In the ever-evolving landscape of financial technology, global trends indicate a pronounced shift towards theintegration of digital innovations. The Singapore FinTech Festival 2024 (SFF2024) marked a pivotal juncture for theexploration of artificial intelligence (AI) and quantum technology as critical levers of transformation. The festivalconvened 65,000 participants from 134 countries and regions, including a diverse coalition of policymakers andregulators, industry leaders, experts, and innovators, to examine the capabilities of AI and quantum computing.SFF2024 emphasized a clear roadmap for these technologies, offering a vantage point for key stakeholders todiscuss their practical applications and potential impact on theindustry.AI emerged as a cornerstone theme. From highlighting real-world use cases in enhancing operational efficiencyand customer experiences, to discussing the operationalization and regulation of AI adoption, SFF2024 illuminatedthe nuanced challenges and vast opportunities associated with deploying AI within the financial servicessector.Discussed at SFF for the first time, the nascent field of quantum technology was explored as a tool capable oftransforming financial computations and problem-solving capabilities. However, experts also emphasized its keythreat to current cryptographic methods, urging financial institutions to begin preparing for a post-quantumworld.This report captures the essence of the discussions from SFF2024, reflecting on the key trends, opportunities,and challenges of AI and quantum technology to offer a comprehensive view of the future financial technologylandscape. As we look towards the rest of 2025, this report invites industry stakeholders to engage with theevolving discourse around these transformativetechnologies.Finally, we look forward to welcoming you in late 2025 for the festival’s 10th anniversary, where we will bringtogether the global fintech community to continue exploring, challenging, and driving innovation to shapea future defined by technological advancement and improved financialservices.SopnenduMohantyGroup Chief Executive Officer, GlobalFinance& Technology Network (GFTN)Gaurav KwatraPartner and Asia Pacific Head ofQuotient— AI by Oliver Wyman Considering the rapid advancements in artificial intelligence (AI) adoption and developments in quantum technology,it is no surprise that the theme of ‘Roadmap for AI and Quantum’ emerged as a focal point at the Singapore FinTechFestival 2024 (SFF2024). Through various discussion sessions, notable speakers shared trends and insights on howtheir organizations are navigating the complexities of these technologies, leading to several key observations andtakeaways. This report consolidates and reflects on the AI and quantum technology discussions atSFF2024.Use of AI in financial services and valuecaptureAI’s transformative potential to increase efficiency, improve effectiveness, and elevate customer experiences acrossfinancial services is already starting to emerge with use cases of varying scales and nature. With generative AI (GenAI),a notable shift in focus is to transition from experimentation to true value-focused approaches that deliver measurablebusiness outcomes. There is also a recognition that the capabilities of predictive AI remain insufficiently tapped foradvanced applications, even within organizations at the forefront of technology adoption, particularly in areas suchas hyper-personalized products andservices.The AI operatingmodelMerely implementing the latest technology is not enough to unlock the full potential of AI. Achieving success requiresa comprehensive operating model that prioritizes solving for the customer, supported by pragmatic prioritization,governance, effective risk management, and organizational readiness. Insights from leading organizations highlightthe importance of investing in all components of the AI operating model. This begins with adhering to “user-first” and“customer-first” principles, prioritizing value creation rather than adopting AI for its own sake. Success also hingeson clearly defining the roles of model, data, and AI governance teams within this new, complex, and overlappingecosystem. Establishing fundamental controls from the outset is crucial for building customertrust. 1EXECUTIVESUMMARY Evolution and the role of public-privatepartnershipsThe AI regulatory landscape is rapidly evolving, with regulatory bodies worl