Future of Intelligent Banking: AI, Risk and Innovation in 2025

Banks have always adapted to change – but in 2025, the pace and complexity of disruption have reached new heights. As AI, cyber threats, and regulatory shifts redefine the financial landscape, how can banks evolve to stay ahead?

This 2025 Economist Impact report, supported by SAS, reveals how global banks are transforming to meet the demands of the next decade.

Based on a survey of more than 1,700 senior executives in 18 countries, the report explores:

• Why AI adoption is high but delivering limited ROI.
• How banks are using AI to fight fraud – and where the risks still lie.
• What strong governance frameworks can do to future-proof data and AI.
• Why 68% of banks view regulation as an enabler of innovation.
• How traditional banks are losing ground to digital-first competitors.
• Five proven strategies to turn technology challenges into competitive advantages.

Read the full report to discover how your bank can build intelligent, resilient and innovative operations in 2025 and beyond.