The AI imperative: Navigating data and AI to enhance the customer experience

In an era where AI and ML are reshaping customer expectations and operational models, this report explores their transformative role in elevating customer experience across the banking sector.

In partnership with

Amazon Web Services

AWS is a pioneer at the intersection of financial services and cloud technology, enabling our customers to optimize operations and accelerate growth through the broadest set of services and partner solutions all while adapting to everchanging regulations.

16/06/2025 Study

Last year, AWS and Qorus spotlighted the transformative role of AI/ML and generative AI in banking through their co-authored report, the AI imperative: The future of frictionless banking. That research revealed a turning point for financial institutions, as they shift from early experimentation to enterprise-wide adoption—using AI not just to enhance operations, but to fundamentally reimagine how banking is delivered and experienced.

Building on that foundation, the AI imperative: Navigating data and AI to enhance the customer experience explores how banks are using AI to reshape customer interactions, improve service efficiency, and deliver hyper-personalized experiences. The report features direct insights from global banking leaders on how they are applying AI-powered tools to streamline onboarding, support agents with generative AI copilots, automate processes, and personalize services at scale.

In the pages ahead, you’ll find practical examples, proven use cases and strategic guidance on overcoming implementation barriers—such as talent shortages, data fragmentation, and organizational change. With AWS’s secure, scalable AI/ML platforms—including Amazon Bedrock and SageMaker—banks are accelerating time to value, transforming the customer experience and building the foundations for more responsive, data-driven service models.

KEY INSIGHTS

AI Driving CX Transformation
Challenges to Overcome
Looking Ahead

Study contributors

Mario Cali'
Intesa Sanpaolo Senior Manager - Data Science and Responsible AI
Jamie Renehan
Bank of Ireland Analytics Leader
Reinhold Rehbichler
TeamBank Chief Technology Officer
Shavin Kissoondharry
Mauritius Commercial Bank Strategy and Product Delivery
Ricardo Chaves
Banco BPI Executive Director, AI Center of Excellence
Clemens Müller
George Labs Tribe Lead
Franc Bračun
NLB Group CDO
Richard Caven
Amazon Web Services Worldwide Banking Specialist
Sachin Tandon
Amazon Web Services Worldwide Banking Specialist

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