Major global banks are currently using artificial intelligence (AI) to make their operations more efficient. At the same time, they are studying how this technology will change the number of employees they need in the future.

目前全球各大銀行正利用人工智慧（AI）來提高營運效率。同時，他們也在研究這項技術未來將如何改變對員工數量的需求。

The use of AI in the financial sector is moving toward more automation. Large banks like JPMorgan Chase, Citigroup, and Deutsche Bank have introduced AI tools to speed up regulatory reports, financial modeling, and loan processing. For example, Deutsche Bank reported that some projects that used to take two years are now finished in only six months. Consequently, creating high-level presentations now takes less than an hour instead of several days.

金融業使用 AI 的趨勢正朝向更高程度的自動化發展。如摩根大通、花旗銀行和德意志銀行等大型銀行，已引入 AI 工具以加速監管報告、財務建模和貸款審批。例如，德意志銀行報告指出，以往需要兩年才能完成的項目，現在僅需六個月即可完成。因此，製作高階簡報現在只需不到一小時，而非耗時數日。

However, banks have different views on how this affects their staff. Citigroup emphasized that AI is meant to help human advisors rather than replace them. In contrast, Standard Chartered predicted a reduction of over 15% in back-office staff over the next four years, although leaders admitted the final impact is still uncertain. Meanwhile, JPMorgan Chase asserted that they will move displaced workers into different roles. Furthermore, clients now expect faster delivery and better analysis, which may lead to lower service fees.

然而，銀行對於這如何影響員工的看法不一。花旗銀行強調 AI 旨在協助人類顧問而非取代他們。相反地，渣打銀行預測未來四年的後勤員工將減少超過 15%，儘管領導層承認最終影響仍不確定。與此同時，摩根大通則聲稱將其被取代的員工轉調至不同職位。此外，客戶現在期望更快速的交付和更好的分析，這可能會導致服務費用降低。

From a business perspective, this transition requires financial and structural changes. Deutsche Bank has introduced a quota system for its engineers to control the costs of using AI providers like OpenAI. Additionally, the skills needed for the industry are changing. Experts suggest that there is less demand for traditional finance roles and more demand for people who can build and manage AI models. Therefore, banks must find a balance between technological efficiency and organizational stability.

從業務角度來看，這次轉型需要財務和結構上的調整。德意志銀行為其工程師引入了配額制度，以控制使用 OpenAI 等 AI 供應商的成本。此外，產業所需的技能正在改變。專家建議，傳統金融職位的需求將減少，而能夠構建與管理 AI 模型的人才需求則增加。因此，銀行必須在技術效率與組織穩定之間取得平衡。

Financial institutions are seeing huge increases in productivity through AI, but they remain cautious about long-term staffing changes and the costs of running these systems.

金融機構透過 AI 看到生產力大幅提升，但對於長期的人員編制變動以及系統運行成本仍保持謹慎。