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InnovationArtificial intelligence at Standard Chartered
We’re taking a responsible approach to AI to become smarter, safer and more efficient at every level.
The three pillars of our AI approach
At Standard Chartered, we use AI to make banking smarter, safer and more efficient for our clients, colleagues and communities. Our approach is client-centric and grounded in strong data foundations, transparent governance and human accountability, so innovation can scale with trust.
Enterprise
Our centralised AI Factory platform helps us quickly build and deploy new solutions.
Colleagues
We combine enterprise software subscriptions with tailored capabilities like our LLM, SC GPT.
Research
We’ve established an AI Innovation Lab in partnership with Singapore R&D agency A*STAR.
How we use AI
At Standard Chartered, we use AI across our business from cross-border trade to affluent client advisory, creating better banking outcomes while reinforcing the trust, deep expertise and global connectivity that differentiate Standard Chartered.
Machine learning identifies patterns, risks, and opportunities across large volumes of financial and operational data. Generative AI aids colleagues in accessing information, creating content, and completing everyday tasks. Emerging agentic capabilities are showing tangible results coordinating more complex workflows across systems and departments.
AI helps our colleagues manage risk, access deep insights and support clients to realise growth opportunities across the world’s most dynamic markets.
More than 50,000 employees have completed over 225,000 tailored AI training courses.
Our bespoke, secure SC GPT has been rolled out to support over 70,000 employees across 41 markets.
Banking is built on trust, judgment, and the ability to make decisions in complex, fast-moving environments. At Standard Chartered, AI is designed to strengthen these capabilities across our global network.
Our deep local expertise allows us to connect businesses and systems across markets, creating the interoperability needed to unlock AI efficiencies in trade.
In our affluent business, our survey of more than 300 ultra-high-net-worth individuals and family office professionals showed that families who use AI in their decision-making achieve more desirable wealth management outcomes, and we partner closely with clients to understand how AI can help them achieve their wealth goals.
Our engineers are equipped with AI-powered developer tools that aid them to deliver faster and with greater confidence. GitHub Copilot, powered by advanced Anthropic models, assists developers in coding, testing, and documentation, allowing teams to focus more on solving complex problems and developing richer features.
Beyond code generation, technology teams are using Claude Code and Specification-Driven Development – where both humans and AI follow one agreed “spec” as a source of truth – while our in-house aXess AI platform assists with agentic workflows and multi-step orchestration automation solutions.
Together, these capabilities assist our engineers to accelerate innovation while maintaining quality and security.
Responsible AI is embedded throughout our approach. Human judgement remains fundamental – particularly in areas involving risk management, regulatory compliance and client outcomes – as do our colleagues’ knowledge, experience and relationships.
As AI capabilities continue to evolve, we are committed to ensuring they are developed, deployed, and governed in ways that are safe, transparent, and worthy of the trust placed in us by clients, colleagues, regulators, and communities.
This includes maintaining a central AI Control Tower, giving the AI Safety team full visibility of not only our solutions and models, but also how they are being used.
We see AI as a powerful way to make banking simpler, more intuitive, and more personalised to better serve our clients.
Mohamed KeraineGlobal Head of Digital-WRB | Enterprise Co-Head of AI
Our ambition is to harness AI responsibly, combining technology, expertise, and global connectivity to deliver better outcomes at scale.
Geoff KotGlobal Head of CIB Business Platforms & Partnerships | Enterprise Co-Head of AI
Our AI partnerships
Across these applications, our approach remains the same: combining advanced technology with strong governance, responsible innovation and our colleagues’ deep banking expertise.
We contribute to sector-wide dialogue on AI maturity and responsible adoption through initiatives such as the IIF-EY Annual Survey on AI Use in Financial Services and the Evident AI Index, helping strengthen transparency and shared understanding across the industry.
Research and innovation
Through collaborations with leading academic and scientific institutions, we explore trustworthy, interpretable and scalable AI. This research has also led to the creation of patents, reflecting our ability to translate scientific exploration into original, protectable innovation with practical relevance for financial services.
Our research ecosystem brings together academic depth, scientific rigour and real-world complexity.
We partner with academic institutions worldwide
Awards we’ve won for our work with AI
We were proud to receive multiple awards in 2025 in recognition of our work innovating to better serve our clients, colleagues and communities.
| The Digital Banker’s Global AI Innovation Awards 2025 | Best New AI Product Launch of the Year and Outstanding Contribution by an AI Team to an Institution for SC GPT, our bespoke enterprise LLM tool Outstanding Contribution by an AI Team to Responsible AI for findings from an in-depth study into fairness in LLMs Best AI Innovation Lab for our engagement with A*STAR Best AI Training Initiative by an Institution for our colleague training platform, the AI Learning Hub Best AI Powered Platform for our AI Factory enterprise production vehicle |
| The Digital Banker Global Retail Banking Innovation Awards 2025 | Our wealth management business was awarded Best GenAI Initative and Best GenAI Personalised Assistant Initiative |
| SAP Innovation Awards 2025 | AI Excellence award for an initiative to use SAP solutions to improve our employee experience and empower colleagues with enhanced goal setting and feedback processes People Experience Award |
| Asian Banking & Finance Retail Banking Awards 2025 | AI & Machine Learning Initiative of the Year, Singapore |
| Adobe Partner Awards | Accenture were runner-up in the Global Adobe Firefly Partner Award for their partnership with us, scaling creative generation using Firefly |
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