IBM Institute for Business Value | Research Insights – November 2025

As macroeconomic conditions fluctuate with sudden interest rate hikes and heightened trade tensions, banks across the globe are experiencing disparate outcomes.

Yet, in the midst of these challenges, one undeniable trend is emerging as the game changer: artificial intelligence.

AI is no longer just a buzzword. It is rapidly becoming a key foundation of banking strategies, enabling operational transformation and the reinvention of business models in the pursuit of healthier financial outcomes while addressing risk and compliance requirements. However, success will not come easily.

Only those banks that align their technology investments with robust reinvention supported by digital infrastructures and a deep-rooted culture of AI risk management will effectively scale these innovations across their entire organisation.