The credit landscape is rapidly evolving. McKinsey’s latest report reveals that more than half of banks now prioritize generative AI (gen AI) for credit operations, especially for early warning systems, credit memo drafting, and customer engagement. Despite this momentum, many institutions face challenges scaling AI due to limited capabilities, fragmented workflows, and a narrow focus on small use cases. True value lies in domain-wide transformation powered by agentic AI. At Qube, we support this shift by helping banks build the foundation needed to scale smarter, safer, and faster.
Why gen AI matters in credit management
Banks acknowledge the potential of gen AI, but only a few institutions have implemented full-scale solutions. Common barriers include skills shortages, data challenges, fragmented systems, and governance concerns. Leading banks are overcoming these challenges by building AI-ready infrastructure, upskilling teams, deploying pilot projects, and gradually expanding use cases. The future lies in leveraging agentic AI, capable of orchestrating workflows end to end, such as guiding relationship managers through underwriting or synthesizing critical insights during customer interactions.
How Qube enables strategic AI adoption
PRI Inside provides end-to-end visibility into working capital and credit flows, ensuring leadership can monitor risk and performance in real time.
PRI Credisoft automates credit and collections processes, helping banks improve efficiency, reduce operational friction, and access reliable liquidity.
PRI Supply Chain strengthens liquidity across the entire value chain, enabling agile financing solutions without disrupting operational continuity.
Together, these tools help banks prepare for AI not just as a concept, but as a scalable capability embedded in daily workflows.
The path forward
McKinsey outlines five critical steps for unlocking gen AI’s potential: stakeholder alignment, unified data platforms, modular architecture, pilot deployment, and agentic AI scaling. Qube’s solutions are designed to support this journey, reducing barriers and accelerating impact. Whether you're building a center of excellence, testing credit use cases, or planning enterprise-wide AI transformation, Qube is here to help you navigate the journey with confidence.
Read the full McKinsey report: Banking on Gen AI in the Credit Business: The Route to Value Creation
Explore how Qube supports AI-led credit transformation at: www.qubefinancing.com