Most banks know AI is the next frontier. The harder question is how to get there - without blowing the budget, disrupting operations, or doubling down on pilots that go nowhere. This paper from Backbase and Microsoft maps out a third path: a platform approach that builds AI capability on top of what you already have, connects experiences across every line of business, and scales without starting over.

What’s inside?

• Why 75% of banks are stuck in siloed AI pilots, and what it costs them to stay there
• How progressive modernization lets you build a unified, AI-ready platform without ripping out core systems
• The security, governance, and compliance model that makes it safe to scale