AI is Disrupting Financial Services—Are You Ready?

Artificial intelligence is fundamentally reshaping financial services. Over 80% of financial organizations have already integrated AI into their systems ^[1], and investment in AI is projected to surge from $35 billion in 2023 to $97 billion by 2027 ^[2].

2025 will see AI power 95% of customer interactions in the financial sector ^[3], while 70% of financial executives expect AI to directly contribute to revenue growth ^[2]. Financial institutions that fail to integrate AI into their workflows risk losing their competitive edge as AI-driven automation improves fraud detection, compliance, and decision-making at scale.

At Sakura Sky, we specialize in AI, cloud, and security solutions for financial institutions, leveraging Google Cloud AI, Enclave (our cloud security framework), and Sentinel (our AI governance platform) to help you implement AI securely and efficiently.

In partnership with Google Cloud, we’ve explored the top AI trends shaping financial services in 2025 — here’s what they mean for your organization.

[1] BAI Banking Strategies
[2] World Economic Forum Report
[3] ArtSmart AI Report

Multimodal AI: Unlocking a New Era of Financial Intelligence

What is Multimodal AI?

Multimodal AI refers to AI systems that analyze and integrate multiple types of data—such as text, audio, video, and numerical data—to generate more context-aware insights.

Why is This Critical for Financial Services?

• Sentiment analysis: AI can assess executive tone of voice, facial expressions, and word choice during earnings calls to predict market reactions.
• Real-time risk assessment: AI models process news sentiment, regulatory filings, and economic trends to detect early warning signals for risk management.
• AI-powered fraud detection: Multimodal AI cross-references transaction data, customer behavior, and biometric authentication to identify suspicious activity.

How Sakura Sky, Google Cloud, & Enclave Can Help

1. AI-Powered Market Intelligence with Vertex AI: We use Vertex AI to create multimodal AI models that analyze trading sentiment, market commentary, and risk signals in real time.
2. Fraud Prevention with BigQuery ML: Our BigQuery ML pipelines detect patterns in unstructured data (such as voice recordings and video footage) to flag high-risk transactions.
3. Secure AI Workflows with Enclave: Enclave ensures AI models processing sensitive financial data remain encrypted and compliant, enforcing zero-trust security policies.

AI Agents: The Next Generation of Autonomous Financial Assistants

What are AI Agents?

AI agents are self-learning, autonomous AI systems that perform complex financial tasks, make risk-based decisions, and assist compliance teams.

How Are AI Agents Disrupting Finance?

1. Underwriting automation: AI assesses loan applications, credit scores, and financial behavior to automate approvals while ensuring compliance.
2. AI-driven regulatory compliance: Agents track and analyze regulatory updates across multiple jurisdictions to help compliance teams stay ahead of changes.

Real-World Example: AI-Powered Loan Underwriting

A leading global bank reduced loan processing times by implementing Vertex AI-based risk assessment models, automating creditworthiness evaluations based on multimodal AI insights.

How Sakura Sky, Google Cloud, & Sentinel Can Help

1. Conversational AI for Banking with Dialogflow CX: We implement Google Dialogflow CX to build AI-driven assistants that handle credit applications, wealth advisory, and fraud alerts.
2. Automated Compliance Audits with AI Agents: Vertex AI Agent Builder enables financial firms to automate AML/KYC compliance monitoring.
3. AI Risk & Bias Auditing with Sentinel: Sentinel ensures that AI-driven financial decisions are transparent, auditable, and regulatory-compliant, helping banks prevent bias in AI underwriting models.

Assistive Search: AI-Driven Knowledge Retrieval for Financial Analysts

What is Assistive Search?

Assistive search is an AI-powered, context-aware enterprise search that helps financial professionals instantly find relevant insights across structured and unstructured datasets.

Why Does This Matter?

• Regulatory compliance search: AI can quickly surface relevant compliance policies and AML/KYC risk factors.
• Market intelligence search: Traders can query AI for insights on specific stocks, market trends, and economic shifts.

How Sakura Sky, Google Cloud, Pulse, & Enclave Can Help

1. Financial Data Discovery: We implement Vertex AI to build enterprise interfaces for financial institutions, regulatory teams, and analysts.
2. Pulse Data Proxy for AI Enrichment: Our, soon to be released, Pulse solution centralizes real-time transaction data, risk assessments, and customer interactions, making them AI-searchable.
3. Zero-Trust Search Controls with Enclave: Enclave ensures AI-generated reports and sensitive insights are restricted to authorized personnel only.

AI-Powered Customer Experience: Personalized, Real-Time Banking

What is AI-Powered CX?

AI-driven customer experience (CX) solutions customize financial products, improve fraud prevention, and enable hyper-personalized banking.

How AI is Transforming Customer Experience in Finance

• Real-time fraud alerts: AI detects suspicious transactions before they’re processed, reducing fraud losses.
• Hyper-personalized financial planning: AI adapts investment recommendations based on real-time customer data and risk profiles.

How Sakura Sky, Google Cloud, & Sentinel Can Help

1. AI-Powered Recommendations with Google’s Vertex AI: We build personalized investment platforms and credit risk models powered by GCP.
2. Security AI for Real-Time Fraud Prevention: Our fraud detection models integrate with GCP’s Vertex AI to flag anomalies and stop fraud before it happens.
3. LLM Risk Monitoring with Sentinel: Sentinel ensures that AI-driven customer interactions remain accurate, auditable, and compliant with financial regulations.

AI & Fraud Prevention: Stopping Threats Before They Happen

AI-Powered Security & Fraud Prevention in Finance

AI-driven fraud detection uses real-time anomaly detection, biometric security, and behavioral analytics to protect financial institutions from cyber threats.

Real-World Example: AI in Fraud Detection

A major fintech company reduced fraud by integrating Google Chronicle with BigQuery ML, which analyzes transactions to detect fraud patterns.

How Sakura Sky, Google Cloud, Enclave, & Sentinel Can Help

1. AI Fraud Detection with GCP: We deploy real-time fraud detection systems that analyze transaction anomalies at scale.
2. Zero-Trust Security with Enclave: Enclave enforces AI-driven fraud prevention policies while maintaining compliance with GDPR, PSD2, and FFIEC regulations.
3. AI Model Governance with Sentinel: Sentinel tracks AI model drift, bias, and compliance risks, ensuring fraud detection models remain accurate and fair.

Future-Proof Your Financial Institution with AI, Google Cloud & Sakura Sky

Get started by downloading the AI Trends 2025 eBook to learn more and explore AI solutions with the Sakura team.