1 The Promise of AI in Banking2 Ernst & Y oung AG Maagplatz 1 8005 Zürich www.ey.com Redesigning Financial Services Pfingstweidstrasse 16 8005 Zurich www.redesigning-fs.com Expert.ai Rue du Général-Dufour 5, 1204 Geneva www.expert.ai Morningstar Switzerland GmbH Josefstrasse 216 8005 Zurich Switzerland www.morningstar.ch additiv AG Riedtlistrasse 27 8006 Zurich Switzerland www.additiv.com Avaloq Group AG Schwerzistrasse 6 8807 Freienbach Switzerland www.avaloq.com3 Artificial intelligence (AI) represents a strategic opportunity for banks. The potential benefits extend well beyond mere efficiency improvements to step up the customized value proposition banks deliver to their clients. For the last five years, AI-driven solutions have focused mainly on buzzword applications like

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