The WEF’s 2025 white paper explores how artificial intelligence is reshaping financial services. It identifies four key trends: AI democratization through low-code tools, the evolution of AI-first business models, rising regulatory demands, and the push for responsible AI. Financial firms must balance innovation with transparency, governance, and ethical standards. The paper highlights use cases in credit scoring, fraud detection, personalized banking, and operational efficiency. It also stresses the need for global collaboration to address data quality, bias, and explainability, ensuring AI adoption aligns with trust, fairness, and long-term financial stability.

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