Saber attributed 55% of the new corporate credit transactions to autonomous artificial intelligence.
More than half of these operations occur without the manual participation of bank employees. At the same time, the volume of loans issued to medium and large businesses using artificial intelligence has reached about 8 trillion rubles, First Deputy Chairman of the Board of Sberbank Alexander Vediakin told Investor Day.
The technology is expanding beyond loans. During tests of the GigaNetwork platform, AI agents completed the purchase of industrial equipment in less than a minute. This is an example of moving from neural networks that recommend to systems that can perform tasks independently.
Saber builds a new development strategy on this principle. Artificial intelligence must not only analyze data, but also perform actions, leaving the goal-setting and final decision-making to humans.
For businesses, it is first and foremost about reducing time for ongoing processes - from processing loans to purchasing. The less resources spent on permits and paperwork, the more opportunities for development.
The impact may be particularly pronounced for small companies, which were previously inaccessible to complex automation due to high costs. Some tasks can now be solved using AI, without hiring additional workers or increasing management costs.