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Generative AI(GenAI) is increasingly adopted in the financial sector to drive automation, improve customer experience, and enhance risk management. At the same time, challenges such as use case selection, data infrastructure, and AI-specific risks are becoming more apparent.

This report compares global trends and presents six strategic actions for major Japanese financial firms to secure long-term competitiveness. While Japanese firms show strong governance and solid business application, contrasts were observed: the U.S. is aggressive, Europe is cautious, and China is rapidly operational.

To build an edge, Japan must pursue the following six pillars:
1. Set a vision and goals focused on value creation and growth
2. Optimize investment decisions for the AI era
3. Discover promising use cases
4. Combine external tech with structured internal knowledge
5. Strengthen risk management
6. Build AI units and grow talent strategically

We hope this report supports firms in shaping their strategies and understanding the landscape of Generative AI in finance.