Revue Les Cahiers du POIDEX
Volume 15, Numéro 1, Pages 337-356
2026-06-03
Strategies For The Adoption Of Artificial Intelligence In The Financial Services Sector: A Comparative Study Of Bank Of America And Morgan Stanley
Authors : Boukhors Ahmed Amine .
Abstract
This study analyzes the strategies employed by banks to integrate and adopt artificial intelligence (AI) within their operational processes. A comparative approach was applied to Bank of America and Morgan Stanley, using secondary data from the banks’ websites and reports from specialized financial media. The findings indicate that each bank follows a distinct strategy shaped by its business model and customer base. Bank of America emphasizes enhancing the customer experience through a comprehensive smart application, while Morgan Stanley prioritizes supporting its experts and staff with specialized AI tools. These results confirm the study’s hypothesis that AI adoption strategies are influenced by both the business model and customer characteristics, highlighting the increasing role of AI in improving operational efficiency and the quality of financial services.
Keywords
Financial services; banks; artificial intelligence; AI adoption strategies.
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