Goldman Sachs Puts AI at Core of New Strategy

Goldman Sachs has set out plans to embed AI at the heart of its operating model, positioning the technology as a key driver of growth, efficiency, and client experience.

In its 2025 shareholder letter, the bank outlined how its refreshed “One Goldman Sachs”  strategy, which is now dubbed One Goldman Sachs 3.0, will be “propelled by AI”  as it looks to modernize operations and scale more effectively.

The move reflects a broader shift within the firm, as it seeks to move beyond incremental digital upgrades towards a more fundamental transformation of how it operates. Rather than simply retooling platforms, Goldman Sachs said it is taking a “front-to-back” approach, rethinking how teams are organized, how decisions are made, and how data is used across the business.

Central to this strategy is the belief that rapidly advancing AI capabilities can unlock significant productivity gains. The bank said it intends to reinvest those gains to enhance its offering, while improving profitability and strengthening resilience.

As part of the initiative, Goldman Sachs has identified six areas it believes are “ripe for disruption”: client onboarding and KYC, vendor management, regulatory reporting, lending, enterprise risk management and sales enablement.

Early workstreams are already underway, with the firm pointing to opportunities to streamline processes and deliver a more seamless experience for clients.

The emphasis on AI also underscores the growing importance of speed, agility, and high-quality data in financial services. Goldman Sachs said that fully realizing the benefits of AI will require not just new tools, but the ability to leverage timely, accurate, and complete data across the organization.

The strategy forms part of a wider push to build a more digital, automated firm capable of scaling its operational capacity, as competition intensifies and expectations around efficiency and innovation continue to rise.