How banks can use generative AI to enhance marketing disclosures

Banks deal with a lot of pressure to keep their marketing disclosures clear, accurate, and compliant. Generative AI makes this way easier by turning complicated info into simple language, personalizing messages for different customers, checking content for compliance, and keeping everything consistent across channels. It basically cuts down manual work and helps banks stay fast, clear, and compliant. 

In an age of ongoing disruption, increasing regulatory requirements, and rapidly evolving competition, banks need to find ways to manage consistent and compliant marketing disclosures. Generative AI can help address these challenges, providing new possibilities and increased efficiency across channels. It is the latest in a wave of innovative technologies that promises to enhance the ability of banks to perform critical routine tasks more effectively and efficiently. 

Employing this tool can support you to unlock cohesive and compliant brand messaging across different media, while also providing automated compliance monitoring and personalization at scale. This means banks can reduce manual interventions and embark on a journey to discover various new layers of value.  

The challenges of disclosure in a fast moving environment

Marketing disclosures are more than legal fine print they provide essential clarity on product features, risks, terms, and fees. Yet delivering disclosures effectively is becoming more difficult due to: 

• Rapidly evolving regulations: Banks face a constant and complex stream of regulatory updates, raising compliance risk and making it difficult to adapt agilely to business changes.  
• Quickly changing products and offers: To stay competitive, banks need to regularly modify products and offers, and get them to market quickly while ensuring they are compliant.  
• Innovative technologies: Constantly evolving technologies can create numerous systems to maintain and integrate, making it more difficult for teams to efficiently manage customer data and create new experiences.  
• Personalization and privacy: It can be a tricky balancing act to convey personalized marketing messages that drive customer loyalty while also protecting customer data and privacy.  
• Consistency across channels: Maintaining accurate, consistent messaging across channels is critical to creating brand identity and coherent customer experiences but can be challenging on short timelines.  
• Consumer perception: Customers often view marketing disclosures as too long or too complicated, which can lead to disengagement or confusion. 

How generative AI addresses key disclosure challenges

Generative AI analyzes large datasets to generate humanlike content, improving efficiency in disclosure creation and management. Banks already use AI for fraud detection, reporting, and credit scoring. 

Key use cases include: 

1. Simplifying complex product disclosures

Generative AI converts technical product details into clear, customer friendly language. This supports better understanding and transparency, reinforced by innovations like Digital Core for Insurance. 

2. Personalizing messaging at scale

AI tailors’ content to customer needs, improving engagement and loyalty. 

3. Automating compliance monitoring

AI identifies compliance gaps and suggests fixes. 

4. Enabling multichannel consistency 

AI adapts messaging for websites, email, social media, and print while maintaining brand tone and accuracy.  

5. Providing real time market intelligence

AI tracks market and regulatory changes, helping banks update disclosures quickly.  

6. Supporting global language localization 

AI translates disclosures accurately while considering local regulations, numerical formatting, and cultural context useful for teams working across Wealth Management and other global segments. 

End-to-end disclosure management with generative AI

When paired with a disclosure management platform, generative AI streamlines the entire lifecycle, including: 

• Content creation 
• Compliance review 
• Approval workflows 
• Personalization 
• Omnichannel delivery 

This reduces manual work, minimizes errors, and accelerates time to market for banks. 

About Naehas and Capgemini 

Download our point of view in partnership with Naehas and discover:  

• The key challenges for marketing managers in the fast-moving banking environment today and ways to address them 
• How utilizing generative AI and machine learning can help you produce consistent content 
• Other benefits of generative AI for banks including: simplified product disclosures; real-time market intelligence, and language localization for global markets 

For more information, contact: banking@capgemini.com