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We often hear people talk about “no-brainers”. Trying to explain this concept to mean an “obvious statement” or something that is a “breeze” doesn’t quite work. A no-brainer is something that is clear-cut. A decision that does not require much thought. Everything speaks for it – or against it. For all the complexity of its implementation, the use of AI applications in banks is a no-brainer. This is because financial institutions have everything that AI applications need: the data, the tasks and the business cases. Nevertheless, as studies show, our instinct tells us to proceed with caution.