The 2026 Global AI in Financial Services Report

Artificial intelligence (AI) is accelerating transformation in financial services globally – shaping how financial institutions operate, how vendors scale solutions, and how regulators safeguard prudential soundness, market stability, conduct of business and consumer protection. To help navigate this rapidly evolving landscape, the sector requires more substantive, global evidence.

This report examines the current adoption of AI in financial services from industry, technology and vendor perspectives. It also assesses the impact of AI on the financial services industry, including fintechs and traditional financial institutions, from efficiency to productivity and profitability, as well as persistent organizational adoption and scaling challenges. The study then analyzes the emerging risks associated with AI adoption in finance and discusses a range of the correlated governance issues. 

The report highlights the developing policy and regulatory approaches regarding the use of AI in financial services as well as the internal adoption of AI by central banks, financial regulators and supervisors across the world. Finally, this report looks ahead to 2030 and discusses some potential long-term trends relating to the increasing adoption of AI in financial services, for instance, relating to jobs and competition dynamics.