麦肯锡报告：当AI理财助手崛起 客户资金将流向高息产品 银行业利润将缩水1700亿美元

Core Insights - The rise of artificial intelligence (AI) poses a fundamental challenge to the global banking industry, with potential annual profit pool shrinkage of up to $170 billion due to the migration of customer funds from low-interest accounts to higher-yield products [1][3] - AI-driven financial assistants are eroding the traditional banks' core profit source—net interest margin—by seamlessly transferring funds to better interest rate options, thus breaking the inertia that has historically protected banks [1][2] Group 1: Impact on Banking Profitability - The estimated outflow of retail deposits globally ranges from $2.1 trillion to $4.7 trillion, significantly impacting banks' liquidity management and profitability [1] - The projected annual profit reduction of approximately $170 billion is primarily due to a contraction in net interest income (NII) as banks may need to raise deposit rates to retain customers, increasing their funding costs [3] - Banks that heavily rely on retail deposits and are slow in digital transformation face the highest risks from this shift [3] Group 2: Strategic Responses for Banks - Banks must reassess their value propositions, moving beyond being mere storage institutions to developing competitive AI capabilities and personalized wealth management tools [4] - Diversification of revenue sources is essential, as reliance on interest margin income becomes increasingly vulnerable; banks should focus on wealth management, investment consulting, insurance, and payment services [4] - Investment in technology and talent is crucial for success in this transformation; banks that embrace AI and integrate it into their core operations will have a competitive edge, while those that delay may face marginalization [5]