When it comes to artificial intelligence (AI), most banks have focused first on productivity gains, such as automating repetitive tasks, and on reducing fraud or regulatory risks with improved anomaly detection and monitoring methods. Some banks have started to use AI in capital market operations. While not every bank needs to be a frontrunner (one of five archetypes shown), frontrunners do share some instructive patterns. They've built out AI maturity and adoption throughout the organization. They focus on generating value for customers by, for instance, anticipating personalized offerings.