Financial companies such as Bank of New York Mellon, BBVA and American Express have become early adopters of a new generation of artificial intelligence and robotic-process-automation technology that automate human tasks. Their efforts resemble the higher-profile work of Google, Ford and others with self-driving cars and BAE Systems with drones. Specifically, the banks are creating tech to do chores previously performed by people in operations, wealth management, algorithmic trading, risk management and other areas. Though it holds great promise in improving efficiency and cutting costs, many worry that low-level jobs will be irretrievably lost in the process. McKinsey predicted in 2013 that AI and robotic banking will displace 110 million full-time workers around the world by 2025.