AI adoption in banking

In financial services, AI adoption is reshaping efficiency, risk management, and customer experience while pressuring workforces to adapt. Design a strategic plan for a banking group to implement AI responsibly: governance, risk controls, talent strategy, upskilling, and change management. Include a phased implementation with metrics for productivity, accuracy, customer satisfaction, and regulatory compliance. Compare two workforce models: upskilling existing employees vs external hiring, and discuss scenarios where hybrid approaches are optimal. End with a checklist for governance and ethics.