Spreading AI thinly across the organization may marginally improve productivity without creating business value that banks can measure, scale and govern. Supporting data: McKinsey recommends concentrating AI investments in one to three high-value domains with economic leverage, proprietary data and workflow complexity. As I argued in Orlando, real differentiation will come from how banks redesign workflows around AI, not from the models themselves. Make the T-shaped team the unit of workflow redesignA T-shaped team is not another cross-functional committee or a collection of representatives from different departments. A T-shaped team should completely rethink how information moves between relationship managers and credit officers.