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AI RISK AGILITY

AI is making more banking decisions. Is governance keeping up?

See what 300 banking leaders reveal about scaling AI without sacrificing transparency or control.

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Autonomous AI is closer than you think

Just 10% of banks use autonomous AI for risk or credit decisions at scale today.

But 86% expect to do so within five years.

Governance isn’t keeping pace

59% of banks have embedded AI in decision-making.

Only 18% have embedded AI governance processes.

The transparency tradeoff

63% of banking leader would consider AI with limited or no decision-making transparency in exchange for better performance.

What if governance helps AI scale?

54% of lower-scoring banks say governance and approval delays have contributed to abandoned AI initiatives.

Among higher-scoring banks, just 18%.

Where leaders expect the greatest value

75% of credit leaders expect AI-driven credit decision optimization to deliver the greatest value over the next two years.

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Hear from industry leaders

What does AI Risk Agility look like in practice?

Hear how leaders from Microsoft, SAS and UniCredit are scaling AI while managing risk, governance and trust.

How technology is reshaping credit decisions

“AI helps us be more proactive about risks and helps humans focus on high-value work rather than busy work." Anita Kannan • Tyler Pichach
Microsoft
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Intelligence transforms banking

“Appropriate governance helps you scale further, faster and better.” Julie Muckleroy SAS
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Credit becomes intelligent

“If you don’t fix these two things, data and process qualities, there is no AI that can help you.” Aurélio Maccario UniCredit
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Ready for the full findings?

Download the report to explore:

  • How banks are using predictive, generative and agentic AI.
  • When autonomous AI decision-making is expected to reach scale.
  • Where governance is working and where gaps remain.
  • What separates higher performers in the SAS AI Risk-Agility Index.
Explore the findings

What if we had a clear path forward?

Start with the right foundation. SAS® Viya® gives you a secure, governed platform to innovate with Al. From fraud detection to risk management to customer experience, we help you move fast and stay safe.

Learn about our solutions