Financial Institutions Scale AI Across Core Operations
Finastra’s Financial Services State of the Nation 2026 report (published Feb. 11, 2026) finds near-universal AI deployment across banks and financial institutions, with only 2% reporting no AI use and 60% expanding capabilities over the past year. Institutions expect security spending to rise about 40% in 2026, and prioritize AI-driven personalization, agentic automation and technology modernisation, with 87% planning upgrades and over half partnering with fintechs to scale AI.
Key Points
- 1Adopt AI: Only 2% of institutions report no AI usage, 60% scaled capabilities last year
- 2Highlight security: Institutions plan 40% average rise in security spending for 2026 amid cyber and regulatory risks
- 3Prioritize modernization: 87% plan tech modernisation and >50% partner with fintechs to scale AI deployments
Scoring Rationale
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Sources
Public references used for this report.
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