德意志银行采用 Google Cloud 金融版 Gemini Enterprise，利好企业 AI 叙事但缺少可交易量级

Deutsche Bank AG is stepping up its use of artificial intelligence with the adoption of a new Google Cloud service as it seeks to generate more revenue and keep a lid on costs.

Germany’s largest bank got early access to Gemini Enterprise for Financial Services, an AI product that will allow firms to automate processes including in credit risk assessment and portfolio monitoring.

So-called AI agents can carry out tasks without constant human oversight or prompts, enabling them to solve more complex problems. Deutsche Bank helped design a key part of the new service, which was announced Tuesday.

Global banks are racing to use artificial intelligence to boost profits further from the record levels seen last year. North American lenders have been quicker in adopting AI, according to some metrics, yet Deutsche Bank’s role as a design partner for Google’s financial research agent illustrates European lenders’ ambition.

While its corporate bank will only deploy the tool more widely in the fourth quarter, AI has “already helped our top line,” Joanne Hannaford, chief information officer at the unit, said in an interview, citing an increase in its loan book and improvement in its risk profile.

Frankfurt-based Deutsche Bank said last month that it’s already seeing increasing signs of productivity benefits from AI and “organizational simplification” that are ahead of earlier assumptions.

Hannaford cited the complexity of trade tariffs on products that go through multiple jurisdictions as well as fallout for supply chains from the El Niño weather phenomenon as two examples of potential use cases for the new service.

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“This will allow us to solve problems for our clients that neither we nor they would have seen coming,” Hannaford said from London. “We want our client servicing teams and coverage teams to be more aware of the impact of macro issues than any other bank.”

Google considers finance as a “strategic industry” from which it wants to win more clients, Georgina Bulkeley, head of financial services industry at Google Cloud, said in an interview.

Google Cloud has emerged as one of the clearest tests of whether parent company Alphabet Inc.’s AI spending can deliver financial returns. Though it trails behind Amazon Web Services and Microsoft Azure, the unit has become one of Alphabet’s fastest-growing businesses, fueled by demand from AI startups and enterprise customers seeking the infrastructure needed to develop and deploy AI applications.