AI is becoming an increasingly central force in the banking world. This is revealed by a study from IBM, a company specializing in hybrid cloud and artificial intelligence, featured in the IBM Institute for Business Value 2025 Outlook for Banking and Financial Markets. The analysis is based on data collected from eight key markets: the United States, Canada, the European Union, the United Kingdom, Japan, China, and India.
According to the report, in 2024 only 8% of banks had developed generative AI in a structured way, while 78% adopted a more tactical approach. Additionally, 60% of the CEOs interviewed stated they are willing to take on the risks associated with new technologies in order to maintain a competitive edge.
The study also highlights a shift in customer preferences: while 16% favor a fully digital banking model, attention is shifting towards personalized consulting services for investors and small and medium-sized enterprises (SMEs).
