AI's deployment and management will become increasingly tangible drivers of credit quality differentiation among financial institutions (FIs), though the technology is yet to have a major impact on @SPGlobalRatings' views on credit quality--with AI-related rating actions in the sector still a rarity. Our survey of the financial sector reveals that institutions with mature AI strategies, strong governance frameworks, and deep integration of AI in core operations appear better positioned to capture efficiency gains, drive revenue generation, and strengthen risk management. Moreover, the uneven pace of adoption, governance maturity, and operational readiness suggests AI will increasingly contribute to the strengthening or weakening of FI's creditworthiness over the next several years. Read more: okt.to/3iwI4K