Dimensional change in banking: AI-based banks are coming

Éva Hegedüs highlighted Gránit Bank’s agentic AI solution, Gránit Guru, which acts as a virtual clerk and provides personalized banking services for customers 24 hours a day. The system not only helps to serve customers, but also increases the internal efficiency of the bank, with significant automation capabilities. Gránit Guru automates 80-90% of banking workflows, which is twice the 30-40% automation achieved through previous digitization. This results in faster administration and more cost-effective operation.

Hegedüs emphasized that although AI is bringing significant change to the banking sector, traditional banking tools and values ​​– such as capital, transparency and trust – are still key to growth.

Generative and agentic AI technologies are revolutionizing the financial sector, and McKinsey estimates that these new solutions could generate $200-340 billion in benefits for the global banking sector annually, representing 9-15% of bank profits. The interest in AI is also significant in Hungary, according to the MNB’s survey, 91 percent of domestic banks deal with the development and mapping of artificial intelligence-based solutions.

AI-based technologies are therefore not only a challenge, but also a huge opportunity for the banking sector, which will be shaped by artificial intelligence in the next decade.