AI Reshapes Competition in Asia-Pacific Retail Banking
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AI-assisted source synthesis · not an independent investigation.
On October 14, 2026, Fintech News Singapore cited FICO’s latest Executive Brief, reporting that Asia-Pacific retail banking is undergoing a structural reset. The report states that artificial intelligence will reshape banks’ growth models, risk management, and customer relationships; among banks leading in AI adoption, return on tangible equity could increase by up to 4 percentage points. At the same time, the report says that over the next decade, AI could also erode up to $170 billion from the global banking profit pool. Facing pressures from agents, regulation, customer acquisition, and fraud, FICO believes banks need to establish a coherent decision architecture to address the AI-driven era of intelligent banking.
AI-written from reports · updated 5 days ago
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- Fintech News SingaporeFICO Report: Winning in the New Era of AI-Driven Intelligent Banking
FICO’s latest Executive Brief points out that Asia-Pacific retail banking is undergoing a structural reset, with AI set to reshape growth, risk management and customer relationships. The report says banks leading in AI could increase their return on tangible equity by up to 4 percentage points, but AI could also erode as much as US$170 billion from the global banking profit pool over the next decade; banks need a coherent decisioning architecture to address pressure from agents, regulation, customer acquisition and fraud.
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