AI and the future of retail financial services

2026

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AI-generated summary

1) This report explores the transformative impact of AI on retail financial services by 2030, outlining key shifts, risks, and recommendations for regulators and firms.
2) * Examines four systemic shifts: AI transforming firms, new consumer journeys, a reshaped competition landscape, and amplified financial crime and cyber risk.
* Analyzes the AI autonomy spectrum and its implications for accountability, governance, and consumer protection.
* Proposes seven priority recommendations for the FCA to ensure safe AI adoption, foster innovation, and maintain market integrity.
3) AI, retail financial services, future of finance, regulation, consumer protection

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