Experts at the RUSSIA CALLING forum predicted the emergence of AI consultations and AI investors

Artificial intelligence can increase business margins by 2-3%, conduct medical consultations and clinical trials, help invest in the stock market, but in the hands of fraudsters it can cause damage.

Participants in the session of the VTB Investment Forum “RUSSIA CALLING!” spoke about this. Ekaterinburg” dedicated to artificial intelligence.

It is impossible to calculate the effectiveness of AI implementation in one number. “You don’t have to wait for miracles, you have to work with the tools every day,” says Alexey Subbotin, head of investor relations at Yandex. According to him, in particular, this made it possible to increase the effectiveness of advertising technologies by 40-50%.

“This made it possible to show financial growth – the company’s income for 2025 amounted to about 73 billion rubles. Now about the macro effect. The use of artificial intelligence will not lead to one company instantly ousting its competitors from the market. The real effect is expressed in an increase in marginality by 2-3 percentage points. But over the horizon of 5-10 years, it is precisely these few percentages that can become decisive and provide the company with leadership. This is not a sudden breakthrough, but systematic work – the constant introduction of new technologies into all business processes,” the speaker points out.

Among the most promising areas of application of AI is banking, since it already has a developed digital environment and user data. In particular, VTB uses this technology for credit scoring, and the “Artificial Intelligence” strategy has been introduced in brokerage services, which since its implementation has shown a profitability of 13.3%, noted Alexander Alekseev, Managing Director of the VTB Brokerage Services Department.

For an investor, AI can analyze financial statements according to IFRS, but it is not yet possible to trust investment decisions to generative models due to “hallucinations,” warns Alexander Alekseev. If we are talking about brokerage services, then they need to be trained on a specific data set. Thus, “Intellect” in “VTB My Investments” has been making decisions based on stock market data since 2010, and this data is updated every trading day.

Another industry of the future for the implementation of AI will be medicine, says Maxim Kuznetsov, director of the department of strategic development and partnerships at the AIRI Institute. He recalled that in Moscow this technology already processes primary data and patient complaints for recommendations to therapists. “Next, we think that in medicine we should create an AI consultation, when complex diagnoses are analyzed with the help of AI… AI in pharmacology is the largest area that can significantly speed up trials… AI is already able to effectively select molecules that can cross the blood-brain barrier,” said Kuznetsov.

“The economic effect can be assumed, expected, assessed, but it is impossible to calculate so that the numbers form the basis of an investment project,” says Aleksey Tukhkur, Investment Director of the Federal Central Committee of the Skolkovo Institute of Science and Technology. According to him, one cannot implement “AI for the sake of AI,” while the technology’s potential is high in many industries. But in certain directions, such an effect can be isolated, notes Maxim Kuznetsov:

“One of our clients, a bank, calculated the “AI-income” indicator, the effect of savings in income. The goal is 1.5 billion rubles per year. They exceeded this one and a half billion by speeding up the processing of orders, and canceled additional hiring, as employees began to work more efficiently with the help of AI.”

But not only respectable citizens and organizations are experimenting with AI models, but also attackers. “Now, due to the development of AI, any organization feels that attackers experiment without restrictions and use AI models in their work, create convincing deepfakes, phishing models… all this can be partially or completely transferred to the AI ​​model. This means that… the threshold for entry into this fraud is reduced,” states Igor Kuznetsov, director of the Kaspersky GReAT Global Center for Research and Analysis of Threats.

“The biggest threat is ransomware and encryption attacks. Over the past year, in fintech alone, the number of such attacks increased by 43%,” said a Kaspersky GReAT representative, adding that the fall saw the largest volume of ransomware attacks in the last two years. This forces companies to continuously invest in cybersecurity, creating their own security centers or implementing third-party solutions.

“Those who did not have time must actively implement AI solutions, otherwise AI will come to them on its own,” he warned, referring to scammers.