内容来源：https://www.technologyreview.com/2025/09/04/1123023/imagining-the-future-of-banking-with-agentic-ai/

内容总结：

【AI驱动银行业变革，自主人工智能进入应用爆发期】
随着自主人工智能（Agentic AI）技术日趋成熟，金融服务业正迎来新一轮转型机遇。多家银行已开始采用自主AI优化流程、处理复杂系统及海量非结构化数据，实现在风控、客服、贷款审批等场景的自动化决策，显著提升效率并降低成本。

埃森哲（EY）专家指出，该技术突破了传统规则自动化瓶颈，大规模流程自动化成为可能。花旗银行高管强调，企业必须积极拥抱技术重构运营模式，否则将在竞争中落后。

据《麻省理工科技评论》调研，70%的银行机构已部署或试点自主AI，超半数高管认可其在反欺诈（56%）、安全防护（51%）、降本增效（41%）及客户体验优化（41%）方面的价值。

（本文由MIT Technology Review Insights团队独立完成，未使用AI生成核心内容）

中文翻译：

赞助内容
以智能体人工智能构想银行业的未来
企业需规避风险、克服运营挑战，方能释放智能体人工智能的变革潜力
与安永联合呈现

智能体人工智能正走向成熟，并为金融服务业带来新机遇。银行正越来越多地运用智能体人工智能优化流程、驾驭复杂系统、筛选海量非结构化数据，进而自主或在人工干预下做出决策并采取行动。安永美洲金融服务人工智能主管萨米尔·古普塔指出："随着智能体人工智能的成熟，大规模流程自动化在技术上已比以往的规则驱动方法（如机器人流程自动化）更具可行性。这将显著推动成本优化、效率提升和客户体验改善。"

从响应客户服务请求、自动化贷款审批、根据固定收入调整账单支付，到从金融协议中提取关键条款，智能体人工智能不仅有望重塑客户体验，更将深刻改变金融机构的运营模式。

花旗美国个人银行分析部主管穆里·布卢斯瓦强调："适应智能体人工智能等新兴技术关乎企业存亡。企业接纳新技术并重构运营模式的能力，将成为决定其成败的关键。从业者与机构必须认识到：未来开展工作的方式将发生根本性变革。"

行业新图景
银行业正快速拥抱智能体人工智能。《麻省理工科技评论》洞察栏目对250位银行高管的调研显示，70%的领导者表示其机构已通过现有部署（16%）或试点项目（52%）在不同程度上应用该技术。实践表明，智能体人工智能在多个领域成效显著：超半数高管认为其在提升欺诈检测（56%）与安全防护（51%）能力方面表现突出，其他重要应用场景包括降本增效（41%）和优化客户体验（41%）。

本文由《麻省理工科技评论》定制内容团队"洞察"独立制作。所有调研、撰稿、数据收集及设计工作均由人类作者、编辑、分析师与插画师完成，人工智能工具仅限用于经过严格人工审核的辅助生产环节。

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英文来源：

Sponsored
Imagining the future of banking with agentic AI
Firms must mitigate risks and overcome operational challenges to unlock agentic AI’s transformational potential.
In association withEY
Agentic AI is coming of age. And with it comes new opportunities in the financial services sector. Banks are increasingly employing agentic AI to optimize processes, navigate complex systems, and sift through vast quantities of unstructured data to make decisions and take actions—with or without human involvement. “With the maturing of agentic AI, it is becoming a lot more technologically possible for large-scale process automation that was not possible with rules-based approaches like robotic process automation before,” says Sameer Gupta, Americas financial services AI leader at EY. “That moves the needle in terms of cost, efficiency, and customer experience impact.”
From responding to customer services requests, to automating loan approvals, adjusting bill payments to align with regular paychecks, or extracting key terms and conditions from financial agreements, agentic AI has the potential to transform the customer experience—and how financial institutions operate too.
Adapting to new and emerging technologies like agentic AI is essential for an organization’s survival, says Murli Buluswar, head of US personal banking analytics at Citi. “A company’s ability to adopt new technical capabilities and rearchitect how their firm operates is going to make the difference between the firms that succeed and those that get left behind,” says Buluswar. “Your people and your firm must recognize that how they go about their work is going to be meaningfully different.”
The emerging landscape
Agentic AI is already being rapidly adopted in the banking sector. A 2025 survey of 250 banking executives by MIT Technology Review Insights found that 70% of leaders say their firm uses agentic AI to some degree, either through existing deployments (16%) or pilot projects (52%). And it is already proving effective in a range of different functions. More than half of executives say agentic AI systems are highly capable of improving fraud detection (56%) and security (51%). Other strong use cases include reducing cost and increasing efficiency (41%) and improving the customer experience (41%).
This content was produced by Insights, the custom content arm of MIT Technology Review. It was not written by MIT Technology Review’s editorial staff. It was researched, designed, and written entirely by human writers, editors, analysts, and illustrators. This includes the writing of surveys and collection of data for surveys. AI tools that may have been used were limited to secondary production processes that passed thorough human review.
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