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Internal emails from late 2025 revealed that Bank of America (BofA) experienced significant challenges in adopting Nvidia's "AI Factory" enterprise software and hardware, highlighting the difficulties large, highly regulated institutions face in implementing cutting-edge artificial intelligence. The problems stemmed from a gap between purchasing high-end infrastructure and having the internal expertise to deploy it effectively. Key Adaptation Problems (Bank of America & Nvidia) • Lack of In-House MLOps Skills: NVIDIA executives noted that Bank of America struggled with the Machine Learning Operations (MLOps) skills required to put AI models into production. • "Formula 1" Complexity: The bank reportedly likened Nvidia’s AI Factory to a "Formula 1 race car" and told Nvidia, "You have to help us as local car mechanics drive the race car!". • Institutional Inertia: While buying GPUs is a budgetary decision, deploying them requires massive changes to existing workflows, software, and governance, which proved difficult for a large, regulated entity. • Infrastructure vs. Implementation Gap: The issue was not with the hardware itself, but the lack of accompanying software solutions to help the bank maximize the "AI Factory" setup. Contextual Factors • Regulatory Environment: Highly regulated industries like banking often face slower adoption speeds due to security, privacy, and compliance requirements. • Broader Industry Challenges: Similar hurdles are common across various sectors, not just banking, as companies rush to buy AI infrastructure without fully prepared, skilled teams. • Shift in Focus: Despite these struggles, Bank of America has continued to invest heavily in AI, viewing 2026 as just the midpoint of a 10-year AI adoption cycle. While Bank of America faced these specific implementation challenges, they have continued to work with Nvidia and other partners on AI deployment, according to reports from early 2026.