{"id":7353,"date":"2025-12-26T15:12:50","date_gmt":"2025-12-26T14:12:50","guid":{"rendered":"https:\/\/bicon.li\/?p=7353"},"modified":"2026-04-10T08:52:12","modified_gmt":"2026-04-10T06:52:12","slug":"2026-von-ki-demos-zur-bankfaehigen-generative-ai-faehigkeit","status":"publish","type":"post","link":"https:\/\/bicon.li\/en\/2025\/12\/26\/2026-von-ki-demos-zur-bankfaehigen-generative-ai-faehigkeit\/","title":{"rendered":"Bauplan f\u00fcr produktive GenAI im Banking&nbsp;"},"content":{"rendered":"<p class=\"wp-block-paragraph\">In vielen Banken hat GenAI bisher vor allem drei Dinge geliefert: Staunen, Pilotprojekte und ein paar Chatbots. 2026 wird das nicht mehr reichen. Der Vorteil entsteht dort, wo GenAI als wiederholbare Business Capability betrieben wird \u2013 sicher, nachvollziehbar, skalierbar und messbar entlang der Wertsch\u00f6pfungskette.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Warum jetzt?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Zwei Kr\u00e4fte treffen gleichzeitig aufeinander:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/bicon.li\/en\/2025\/12\/26\/der-ki-vorausinformierte-kunde-warum-private-banking-ki-industrialisieren-muss\/\"><strong>Kunden sind \"vorinformiert<\/strong>\" \u2013 nicht mehr nur durch Medien, Research-Portale oder Finfluencer, sondern durch KI. Der klassische Wissensvorsprung des Beraters erodiert.<\/a><\/li>\n\n\n\n<li><strong>Banken stehen unter Druck<\/strong>: Kosten, Compliance-Last, Fachkr\u00e4ftemangel, h\u00f6here Service-Erwartungen (24\/7), strengere Anforderungen an Dokumentation und Nachvollziehbarkeit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Die Antwort ist nicht \"mehr KI\". Die Antwort ist ein <strong>neues Betriebsmodell f\u00fcr KI<\/strong> \u2013 vergleichbar mit dem Schritt von \"Automatisierung als Tool\" zu \"Digital als Capability\".<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Das <a href=\"https:\/\/bicon.li\/en\/category\/operating-model\/\">Operating Model<\/a>: 6 Bausteine, die GenAI vom Experiment in den operativen Nutzen \u00fcberf\u00fchren<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">1) Use Cases: Ergebnis statt Experiment<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Startpunkt ist eine kleine, harte Pipeline: 5\u201310 Use Cases, priorisiert nach Wiederholung, Dokumentationspflicht und Werthebel. Jeder Use Case braucht:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Owner-Verantwortung<\/strong> (fachlich + IT\/Plattform)<\/li>\n\n\n\n<li><strong>KPI-Definition<\/strong> (Zeit, Risiko, Umsatz\/Retention, Qualit\u00e4t)<\/li>\n\n\n\n<li><strong>Abbruchkriterien<\/strong> (wenn KPI\/Controls nicht erf\u00fcllt)<\/li>\n\n\n\n<li>zwei Schleifen:\n<ul class=\"wp-block-list\">\n<li><strong>Value-Loop<\/strong>: messbarer Nutzen (z.B. Zeit pro Fall, Fehlerquote, Conversion)<\/li>\n\n\n\n<li><strong>Control-Loop<\/strong>: Freigaben, Logging, Eskalation, Nachweise<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gute Kandidaten:<\/strong> <a href=\"https:\/\/www.linkedin.com\/posts\/volkmarritter_aml-is-where-ai-actually-matters-revolut-activity-7405617653853204482-giYx?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAAAW3KdYB3r8IwMqDUKjqxslCxWQ-59z5lLw\" target=\"_blank\" rel=\"noreferrer noopener\">KYC\/AML-Workflows<\/a>, Client-Meeting-Briefing &amp; Nachbearbeitung, Portfolio-Checks, Produktvergleich, Reporting-Narrative oder Policy-\/Weisungsabfragen mit Quellen.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-contrast-3-color has-alpha-channel-opacity has-contrast-3-background-color has-background is-style-dots\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">2) Templates + Guardrails: Do\/Don\u2019t wird Code<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Banking-KI braucht Leitplanken, die im Betrieb konsequent wirken \u2013 nicht als PDF, sondern als technisch durchgesetzte Policies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Statt freier Prompts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>standardisierte Templates<\/strong> (Rolle, Kontext, Inputs, Output-Format, Output-Textbausteine)<\/li>\n\n\n\n<li><strong>Do\/Don\u2019t-Regeln<\/strong> (z.B. verbotene Empfehlungen, Werbeversprechen, Formulierungsstandards)<\/li>\n\n\n\n<li><strong>Eskalationspfade<\/strong> (Red Flags -&gt; Mensch \u00fcbernimmt)<\/li>\n\n\n\n<li><strong>Policy-Enforcement<\/strong> (Datenschutz, Berechtigungen, Quellenpflicht, Output-Limits)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Guardrails sind kein \"nice-to-have\". Sie sind die Voraussetzung, damit GenAI in Banken \u00fcberhaupt betrieblich zul\u00e4ssig wird.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-contrast-3-color has-alpha-channel-opacity has-contrast-3-background-color has-background is-style-dots\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">3) Playbooks: Prozessschritte werden reproduzierbar<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Die wirksamsten Anwendungen sind keine \"Chat\"-Erlebnisse, sondern <strong>feste Abl\u00e4ufe<\/strong>. Beispiel:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Diagnose -&gt; Optionen -&gt; Empfehlung<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ein <strong>Playbook <\/strong>definiert:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>welche <strong>Daten <\/strong>gezogen werden (und aus welchen Systemen)<\/li>\n\n\n\n<li>welche <strong>Annahmen <\/strong>erlaubt sind (und wie sie dokumentiert werden)<\/li>\n\n\n\n<li>welche <strong>Pr\u00fcfungen <\/strong>zwingend sind (Suitability, Limits, Compliance)<\/li>\n\n\n\n<li>wann ein <strong>Mensch <\/strong>\u00fcbernimmt (Human-in-the-Loop)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\"Human-in-the-Loop\" ist dabei ein Rollen- und Kontrollmodell: Wer pr\u00fcft was, ab welchen Schwellenwerten, mit welcher Dokumentation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-contrast-3-color has-alpha-channel-opacity has-contrast-3-background-color has-background is-style-dots\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">4) Daten &amp; Wissen anbinden: Ohne Daten bleibt GenAI Rhetorik<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">GenAI ohne Daten ist Eloquenz \u2013 aber kein Banking. 2026 ist die Kernarbeit die <strong>Anbindung von Daten und Systemen<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CRM\/KYC und Portfoliodaten<\/li>\n\n\n\n<li>Anlagestrategien, Produktofferings &amp; Empfehlungslisten, Geb\u00fchren, Risikomodelle<\/li>\n\n\n\n<li>Marktdaten<\/li>\n\n\n\n<li>Interne Policies\/Weisungen, Templates\/Textbausteine<\/li>\n\n\n\n<li>Berechtigungen, Mandantentrennung, Versionierung<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/digicomp.ch\/blog\/2025\/12\/18\/was-rag-eigentlich-ist-einfach-erklaert\" target=\"_blank\" rel=\"noreferrer noopener\">Retrieval-Augmented Generation<\/a> (<a href=\"https:\/\/digicomp.ch\/blog\/2025\/12\/18\/was-rag-eigentlich-ist-einfach-erklaert\" target=\"_blank\" rel=\"noreferrer noopener\">RAG) <\/a>sollte dabei als kontrollierte Wissensschicht aufgebaut werden \u2013 versioniert, berechtigungsf\u00e4hig und mit nachvollziehbarer Quellenzitation. Sie adressiert unstrukturierte Inhalte wie Policies oder Research und stellt sicher, dass Antworten auf gepr\u00fcften Wissensbest\u00e4nden basieren.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gleichzeitig reicht RAG nicht aus: Strukturierte Daten, Berechnungen und Aktionen m\u00fcssen \u00fcber APIs angebunden werden. Portfolios, Kundendaten, Marktdaten, Geb\u00fchren oder Risikomodelle geh\u00f6ren nicht in Retrieval-Schichten, sondern in deterministische Systeme und Services.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RAG liefert Kontext \u2013 APIs liefern Daten und Aktionen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faustregel: Erst Daten- und API-Hooks, dann \"smarte Antworten\".<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-contrast-3-color has-alpha-channel-opacity has-contrast-3-background-color has-background is-style-dots\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">5) Verifizierbare Zahlen: KI formuliert \u2013 Tools rechnen \u2013 alles wird geloggt<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Alles, was gerechnet wird (Rendite, Risiko, Geb\u00fchren, Szenarien), geh\u00f6rt in deterministische Funktionen\/Tools.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>KI<\/strong>: Struktur, Erkl\u00e4rung, Narrative, Entscheidungsvorlage<\/li>\n\n\n\n<li><strong>Tools<\/strong>: Berechnungen, Plausibilit\u00e4ten, Konvertierungen, Limits<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Und entscheidend: <strong>Logging<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inputs, Parameter, Datenst\u00e4nde<\/li>\n\n\n\n<li>Ergebniswerte + verwendete Tools<\/li>\n\n\n\n<li>Modell-\/Prompt-Versionen<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Das ist die Basis f\u00fcr Audit-Trail und Reproduzierbarkeit \u2013 und damit f\u00fcr echte Skalierung.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-contrast-3-color has-alpha-channel-opacity has-contrast-3-background-color has-background is-style-dots\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">6) Governance &amp; Qualit\u00e4t: End-to-End Software Product Governance<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">GenAI muss wie ein <strong>IT-Service\/Produkt<\/strong> betrieben werden: mit <strong>Testkatalogen, Monitoring, Freigaben und Incident-Handling.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Automatisierbare Qualit\u00e4tsdom\u00e4nen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Faktentreue &amp; Quellen:<\/strong> erfundene Policies, fehlende Zitation<\/li>\n\n\n\n<li><strong>Numerik:<\/strong> Einheiten\/W\u00e4hrungen, Rundungen, Plausibilit\u00e4t<\/li>\n\n\n\n<li><strong>Suitability:<\/strong> Profil\/Restriktionen, Produktzul\u00e4ssigkeit<\/li>\n\n\n\n<li><strong>Compliance:<\/strong> Advice ohne Prozess\/Disclaimer, Werbeversprechen<\/li>\n\n\n\n<li><strong>Berechtigungen:<\/strong> Rollen\/Rechte, Mandantenfehler<\/li>\n\n\n\n<li><strong>Guardrail-Umgehung:<\/strong> Reframing verbotener Empfehlungen<\/li>\n\n\n\n<li><strong>Bias\/Fairness:<\/strong> systematische Benachteiligung<\/li>\n\n\n\n<li><strong>Robustheit:<\/strong> fehlende Inputs -&gt; nachfragen \/ sichere Fallbacks<\/li>\n\n\n\n<li><strong>Stabilit\u00e4t:<\/strong> Drift, Regressionstests nach Updates<\/li>\n\n\n\n<li><strong>Auditierbarkeit:<\/strong> vollst\u00e4ndiges Logging, Reproduzierbarkeit<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Governance ist nicht das Ende der Innovation \u2013 sie ist die Bedingung, dass Innovation in Produktion darf.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-contrast-3-color has-alpha-channel-opacity has-contrast-3-background-color has-background is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Ein pragmatischer Fahrplan<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">0\u201390 Tage<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use-Case-Backlog + Priorisierung (5\u201310 F\u00e4lle)<\/li>\n\n\n\n<li>Prompt-Templates + Logging-Standard<\/li>\n\n\n\n<li>erster <a href=\"https:\/\/www.iese.fraunhofer.de\/blog\/retrieval-augmented-generation-rag\/#:~:text=Was%20ist%20RAG%20AI%20(Retrieval%20Augmented%20Generation)%3F&amp;text=Konkret%20bedeutet%20dies%2C%20dass%20einem,wird%20den%20angebundenen%20Quellen%20entnommen.\" target=\"_blank\" rel=\"noreferrer noopener\">RAG<\/a>-Korpus (bspw. Policies\/Weisungen) mit Berechtigungen<\/li>\n\n\n\n<li>Pilot in einer kontrollierten Einheit (klarer Scope, klare Controls)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">3\u20136 Monate<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Daten-Hooks (Portfolio\/CRM\/Anlagestrategien\/Produktofferings &amp; Empfehlungslisten)<\/li>\n\n\n\n<li>Function-Calling f\u00fcr Berechnungen<\/li>\n\n\n\n<li>Testf\u00e4lle + Freigabeprozesse + Monitoring<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">6\u201312 Monate<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wiederverwendbare Module (Briefing, Risk-\/Suitability-Check, Dokumentation)<\/li>\n\n\n\n<li>automatisierte Checks + Regressionstests<\/li>\n\n\n\n<li>Skalierung \u00fcber Teams\/Sparten<\/li>\n\n\n\n<li>KPI-basierte Steuerung (Value-Loop &amp; Control-Loop als Standard)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Skalierung durch Wiederverwendung von Modulen<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Skalierung bedeutet im Banking nicht \"mehr Prompts\", sondern mehr Wiederverwendung: standardisierte, auditierbare Module (z.B. Briefing, Fall-\/Risiko-Check, Dokumentation, Qualit\u00e4tssicherung) plus klare Schnittstellen zu Daten, Systemen und Kontrollen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Beispiel Private Banking: Skalierung \u00fcber Bausteine statt \u00fcber Prompts<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/bicon.li\/en\/2025\/12\/22\/ein-beispiel-prompt-fuer-strukturierte-private-banking-beratung\/\">Proposal-Entw\u00fcrfe (Standardstruktur + Compliance-Textmodule)<\/a><\/li>\n\n\n\n<li>Regelm\u00e4ssige und geloggte automatisierte Portfolio-Checks (Suitability-\/Angemessenheits-Checks, AA Checks, Konzentrationsrisiken, Restriktionen, Geb\u00fchren etc.)<\/li>\n\n\n\n<li>Client-Briefing (CRM\/KYC Profil + Portfolio Analyse + Ergebnisse Portfolio-Checks + Ereignisse)<\/li>\n\n\n\n<li>Reporting-Narrative (Ausw\u00e4hlbare Reporting Bl\u00f6cke + konsistente Sprache + Quellen)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Das Ergebnis: <strong><a href=\"https:\/\/bicon.li\/en\/2025\/12\/26\/der-ki-vorausinformierte-kunde-warum-private-banking-ki-industrialisieren-muss\/\">konsistente Qualit\u00e4t \u00fcber alle Berater hinweg<\/a><\/strong>, weniger Risiko, bessere Dokumentation \u2013 und messbarer Effizienzgewinn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">2026 gewinnen nicht die Banken mit den sch\u00f6nsten Piloten, sondern die mit der robustesten F\u00e4higkeit. GenAI wird wertstiftend, wenn sie <strong>in Prozesse, Kontrollen und Daten integriert<\/strong> ist \u2013 mit <strong>Playbooks<\/strong>, <strong>messbaren Ergebnissen<\/strong> und einem <strong>Audit-Trail<\/strong>, der auch dem Pr\u00fcfer gef\u00e4llt.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>In vielen Banken hat GenAI bisher vor allem drei Dinge ... <\/p>\n<p class=\"read-more-container\"><a title=\"Bauplan f\u00fcr produktive GenAI im Banking&nbsp;\" class=\"read-more button\" href=\"https:\/\/bicon.li\/en\/2025\/12\/26\/2026-von-ki-demos-zur-bankfaehigen-generative-ai-faehigkeit\/#more-7353\" aria-label=\"Read more about Bauplan f\u00fcr produktive GenAI im Banking&nbsp;\">Read Article<\/a><\/p>","protected":false},"author":1,"featured_media":7354,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_uag_custom_page_level_css":"","ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","generate_page_header":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[45,32,55,34,54,40],"tags":[61,30,52],"class_list":["post-7353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificialintelligence","category-digitaltransformation","category-governance","category-itstrategy","category-operating-model","category-processmanagement","tag-client-success-story","tag-german","tag-ki-im-private-banking-serie","infinite-scroll-item","masonry-post","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50","no-featured-image-padding"],"featured_image_src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/01\/2026-GenAI-Banking-II.png?fit=1360%2C720&ssl=1","author_info":{"display_name":"Volkmar Ritter","author_link":"https:\/\/bicon.li\/en\/author\/wm\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bauplan f\u00fcr produktive GenAI im Banking&nbsp; | BICon<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bicon.li\/en\/2025\/12\/26\/2026-von-ki-demos-zur-bankfaehigen-generative-ai-faehigkeit\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bauplan f\u00fcr produktive GenAI im Banking&nbsp; | BICon\" \/>\n<meta property=\"og:description\" content=\"In vielen Banken hat GenAI bisher vor allem drei Dinge ... 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Artikel lesen","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/bicon.li\/en\/category\/artificialintelligence\/\" class=\"advgb-post-tax-term\">Artificial Intelligence<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/digitaltransformation\/\" class=\"advgb-post-tax-term\">Digitale Transformation<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/governance\/\" class=\"advgb-post-tax-term\">Governance<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/itstrategy\/\" class=\"advgb-post-tax-term\">IT &amp; Daten Strategie<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/operating-model\/\" class=\"advgb-post-tax-term\">Operating Model<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/processmanagement\/\" class=\"advgb-post-tax-term\">Prozess Management<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Artificial Intelligence<\/span>","<span class=\"advgb-post-tax-term\">Digitale Transformation<\/span>","<span class=\"advgb-post-tax-term\">Governance<\/span>","<span class=\"advgb-post-tax-term\">IT &amp; Daten Strategie<\/span>","<span class=\"advgb-post-tax-term\">Operating Model<\/span>","<span class=\"advgb-post-tax-term\">Prozess Management<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/bicon.li\/en\/category\/processmanagement\/\" class=\"advgb-post-tax-term\">Client Success Story<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/processmanagement\/\" class=\"advgb-post-tax-term\">German<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/processmanagement\/\" class=\"advgb-post-tax-term\">KI im Private Banking Serie<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Client Success Story<\/span>","<span class=\"advgb-post-tax-term\">German<\/span>","<span class=\"advgb-post-tax-term\">KI im Private Banking Serie<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 6 months ago","modified":"Updated 2 months ago"},"absolute_dates":{"created":"Posted on 2025-12-26","modified":"Updated on 2026-04-10"},"absolute_dates_time":{"created":"Posted on 2025-12-26 15:12","modified":"Updated on 2026-04-10 8:52"},"featured_img_caption":"","series_order":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9UXv9-1UB","jetpack-related-posts":[{"id":7220,"url":"https:\/\/bicon.li\/en\/2025\/12\/19\/der-ki-vorausinformierte-kunde-warum-private-banking-ki-industrialisieren-muss\/","url_meta":{"origin":7353,"position":0},"title":"Der KI-vorausinformierte Kunde: Warum Private Banking KI industrialisieren muss","author":"Volkmar Ritter","date":"2025-12-19","format":false,"excerpt":"Im Private Banking verschiebt sich die Ausgangslage im Beratungsgespr\u00e4ch gerade fundamental: Der Kunde kommt immer \u00f6fter \"vorinformiert\" \u2013 nicht mehr nur durch Medien, Research-Portale oder Finfluencer, sondern durch KI. Viele Kunden lassen sich heute bereits vor dem Termin Portfolios strukturieren, Risiken erkl\u00e4ren, ETF-Alternativen vergleichen sowie Steuer- und W\u00e4hrungsfragen skizzieren oder\u2026","rel":"","context":"In &quot;Artificial Intelligence&quot;","block_context":{"text":"Artificial Intelligence","link":"https:\/\/bicon.li\/en\/category\/artificialintelligence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/8057eb3a-7605-46e0-888f-2a043933d20d.png?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/8057eb3a-7605-46e0-888f-2a043933d20d.png?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/8057eb3a-7605-46e0-888f-2a043933d20d.png?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/8057eb3a-7605-46e0-888f-2a043933d20d.png?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/8057eb3a-7605-46e0-888f-2a043933d20d.png?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7265,"url":"https:\/\/bicon.li\/en\/2025\/12\/12\/ein-beispiel-prompt-fuer-strukturierte-private-banking-beratung\/","url_meta":{"origin":7353,"position":1},"title":"Ein Beispiel Prompt f\u00fcr strukturierte Private-Banking-Beratung","author":"Volkmar Ritter","date":"2025-12-12","format":false,"excerpt":"Viele Anleger kennen das Problem: Gespr\u00e4che \u00fcber Geld werden schnell komplex \u2013 und am Ende bleibt oft unklar, warum ein Portfolio genau so aufgebaut ist, welche Annahmen dahinterstehen und wie Anlageentscheidungen nachvollziehbar zustande kommen. Genau hier setzt ein regelbasierter Ansatz an. Im ersten Schritt wird die strategische Asset Allocation (SAA)\u2026","rel":"","context":"In &quot;Artificial Intelligence&quot;","block_context":{"text":"Artificial Intelligence","link":"https:\/\/bicon.li\/en\/category\/artificialintelligence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/2025-12-21-14.17.30.png?fit=1089%2C881&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/2025-12-21-14.17.30.png?fit=1089%2C881&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/2025-12-21-14.17.30.png?fit=1089%2C881&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/2025-12-21-14.17.30.png?fit=1089%2C881&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/12\/2025-12-21-14.17.30.png?fit=1089%2C881&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7953,"url":"https:\/\/bicon.li\/en\/2026\/01\/30\/das-smartphone-ist-der-neue-standard-das-operating-model-muss-nachziehen\/","url_meta":{"origin":7353,"position":2},"title":"Der Standard ist mobil. Das Operating Model muss nachziehen.","author":"Volkmar Ritter","date":"2026-01-30","format":false,"excerpt":"Dass das Smartphone die physische Karte als bevorzugtes Zahlungsmittel \u00fcberholt hat, ist mehr als eine statistische Randnotiz. Es markiert einen strukturellen Wendepunkt im Kundenverhalten und damit in der strategischen Ausrichtung von Banken. Was im Payment-Bereich sichtbar wird, ist Ausdruck einer tiefergehenden Verschiebung: Das Smartphone wird zum prim\u00e4ren Interface zwischen Kunde\u2026","rel":"","context":"In &quot;Digitale Transformation&quot;","block_context":{"text":"Digitale Transformation","link":"https:\/\/bicon.li\/en\/category\/digitaltransformation\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/02\/MobileOnly.png?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/02\/MobileOnly.png?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/02\/MobileOnly.png?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/02\/MobileOnly.png?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/02\/MobileOnly.png?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":5396,"url":"https:\/\/bicon.li\/en\/2022\/12\/23\/disruptive-digitale-innovationen-im-banking\/","url_meta":{"origin":7353,"position":3},"title":"Disruptive Digitale Innovationen im Banking","author":"Volkmar Ritter","date":"2022-12-23","format":false,"excerpt":"Digitale Innovationen verfolgen grunds\u00e4tzlich zwei Ziele: Mehr Effizienz und Automatisierung einerseits sowie Markt-, Service- und Produktneuheiten andererseits. Es gibt im Banking viele Beispiele von Innovationen f\u00fcr zus\u00e4tzliche Effizienz. Man denke beispielsweise an Neo-Banken, SEPA Instant Payments, elektronische B\u00f6rsen, Trading Apps oder Robo-Advisors. Alle befassen sich mit klassischen Bankprodukten und -services\u2026","rel":"","context":"In &quot;Artificial Intelligence&quot;","block_context":{"text":"Artificial Intelligence","link":"https:\/\/bicon.li\/en\/category\/artificialintelligence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":3588,"url":"https:\/\/bicon.li\/en\/2021\/03\/17\/die-zukunft-des-digital-banking\/","url_meta":{"origin":7353,"position":4},"title":"Die Zukunft des Digital Banking","author":"Volkmar Ritter","date":"2021-03-17","format":false,"excerpt":"Da das Banking Gesch\u00e4ft per se digital stattfindet, sind Banken schon seit Jahrzehnten mit der Digitalisierung im urspr\u00fcnglichen Sinne, also dem digitalen Verarbeiten von ehemals analogen Informationen (EDV), besch\u00e4ftigt. 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Die Smartphone-Bank Revolut hat im letzten Jahr auch hierzulande m\u00e4chtig zugelegt. Auch weitere Anbieter sind auf Kundenfang und das mit, zumindest\u2026","rel":"","context":"In &quot;Client Management&quot;","block_context":{"text":"Client Management","link":"https:\/\/bicon.li\/en\/category\/clientmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/img_5569.jpg?fit=700%2C467&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/img_5569.jpg?fit=700%2C467&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/img_5569.jpg?fit=700%2C467&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/img_5569.jpg?fit=700%2C467&ssl=1&resize=700%2C400 2x"},"classes":[]}],"publishpress_future_action":{"enabled":false,"date":"2026-06-19 22:52:11","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/7353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/comments?post=7353"}],"version-history":[{"count":0,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/7353\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media\/7354"}],"wp:attachment":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media?parent=7353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/categories?post=7353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/tags?post=7353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}