'AI transforms the bank, it is an ally not a substitute for the employee'
Bper's group chief data officer Giuseppe Maifredi speaks in an interview with the Generation AI Observatory, in collaboration with Accenture
3' min read
3' min read
At least fifty AI-based tools, use of the new technology in predicting customer churn rates, targeted business proposals, timely interventions. Artificial intelligence is the transformative technology that is also changing Bper's life, both for customers and employees. This was explained by Giuseppe Maifredi, group chief data officer of the bank in an interview with the Generation AI Observatory, in collaboration with Accenture. As for the risk of having to cut employees as the use of new technologies increases, for Maifredi artificial intelligence "is not a substitute for the employee" but "an ally" that frees him from routine tasks and allows him to dedicate himself to activities with greater added value.
What does AI represent for Bper?
Artificial intelligence is one of the enabling tools of the new business plan and represents an important benchmark. The introduction of this transformative technology in the bank follows a model structured on three dimensions: internal organisation, operational experimentation and integration, governance and risk management, in line with the European AI Act. By the end of 2024, 50 AI-based tools have already been introduced. It is crucial to measure their effectiveness, payback and implement constant risk monitoring.
What are the main areas of application?
At the commercial level, Ai is used for example for activities such as anti-churn, i.e. the prediction of customer churn rates. The aim is also to understand the customer's life moment in order to formulate targeted commercial proposals by analysing their behaviour. A central issue in this respect is the balancing act with the need to protect privacy: these tools can only be used with the customer's consent and the use of data is constantly evaluated by control structures.
