大多数银行谈论人工智能采用时，往往侧重于在外部供应商上花费多少，而PNC金融服务集团正计划走一条更独立的道路：大部分工作自行完成。
While most banks talk about their adoption of artificial intelligence in terms of how much to spend on outside vendors, PNC Financial Services Group is planning a more independent path: doing much of it on its own.
其目标是构建一种“让你无需供应商支持、无需第三方计算成本即可自行完成”的基础设施，首席执行官比尔·德姆查克周四在分析师电话会议上表示。
The goal is to build an infrastructure that “allows you to do it yourself without vendor support, without compute costs coming from third parties,” Chief Executive Officer Bill Demchak told analysts on a conference call Thursday.
这一做法与PNC许多竞争对手公开讨论的内容不同，后者大多专注于将任务与合适的AI模型匹配，以免在代币上超支。总部位于匹兹堡的PNC则一直直接投资于底层计算基础设施，将GPU芯片放入其数据中心以提升算力。
The approach differs from what many of PNC’s competitors have discussed publicly, with most of them focusing on matching tasks with the right AI models, so that they don’t overspend on tokens. Pittsburgh-based PNC has instead been investing directly in the underlying computing infrastructure, putting GPU chips into its data centers to increase their power.
“AI带来的花哨功能和酷炫玩具让人很容易上瘾，但要想长期成功，我认为你需要拥有能够大规模开展这项工作的核心基础设施，”德姆查克说。“上述所有事情，我们一直刻意保持低调。等我们有积极的东西可以展示时，再现身。”德姆查克表示，下一步是利用多年来的AI投资，运用该技术降低成本并开发新产品。
“It’s so easy to get hooked on the bells and whistles and cool toys that come with AI, but to succeed long-term, I think you need to have the core infrastructure that allows you to do this at scale,” Demchak said. “We’ve been purposefully quiet on all of the above. We’ll show up when we have something positive to show you.”Demchak said the next step is to capitalize on what’s been several years of AI investments to use the technology to lower costs and develop new products.
首席财务官罗布·赖利在电话会议上表示，这一转型可能在未来两到三年内实现。
That transformation could play out in the next two to three years, Chief Financial Officer Rob Reilly said on the call.
德姆查克表示，在考虑其他变革性举措（例如进行大规模收购）之前，他将优先推进AI工作。
Demchak said he would prioritize the AI work before he considers other transformative moves, such as making a big acquisition.
AI代理的普及引发了对存款外流的担忧，因为机器人可能会自动将资金从一家银行转移到提供更高收益的另一家银行，就像它们可以帮助做出购物决策一样。德姆查克表示，如果在没有安全连接和身份验证的情况下允许这种情况发生，将是“极其危险的”。“在我任期内，这不会发生，”首席执行官表示。
The proliferation of AI agents has sparked concerns about deposit outflows, as robots could automatically move money from one bank to another that offers higher yields, just like how they can help make decision in shopping. Demchak said that would be “incredibly dangerous” if allowed to happen without secure connections and authentication. It’s “not going to happen on my watch,” the CEO said.