AI is reshaping how banks operate. Community, mutual and regional banks that build the data foundation now will set the pace for the next decade. This report shows where the value is already being banked, the bar boards now need to meet, and the work that unlocks it.
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For every dollar of income earned in Australian banking, the Major Australian Banks spend around 45 cents on cost. Regional and customer-owned banks spend 60 to 75 cents on the same dollar. The difference goes into the line items boards care about most: investment capacity, capital strength, and returns to members.
The advantage being built is not a model advantage. It is a data advantage, and it is buildable today. The full report breaks down where the gap comes from and how the work is sequenced.
A selection of the banks our team has delivered for. The work spans data modernisation, core banking, reporting, migration and AI readiness.
We work with multiple banks to perfect their AI and Data.