The financial services industry stands at an inflection point in its adoption of artificial intelligence for decisioning. Provenir 2026 Global Decisioning Survey reveals a sector that recognizes AI’s transformative potential yet struggles with universal implementation challenges.
Provenir surveyed 203 senior decision-makers—including Chief Risk Officers, CEOs, CFOs, and Heads of Risk—across 22 countries spanning banking, fintech, insurance, telecommunications, and other financial services sectors. „The findings paint a nuanced picture of an industry in transition” – according to the report.
KEY FINDINGS AT A GLANCE
The AI Paradox: 87% trust AI-driven decisioning outcomes, yet 97% face implementation barriers
The Fraud Challenge:77% are concerned about AI-enabled fraud threats while needing AI to combat fraud
Real-Time Momentum: 91% have moved beyond static-only models; 52% use hybrid approaches
Decision Intelligence: 77% see it as very valuable for their strategy over the next 2-3 years
. Investment Priority: 60% plan to invest in AI or embedded intelligence for decisioning in 2026
. Governance Gap: Only 33% have fully implemented responsible AI frameworks.
These findings reveal an industry that knows where it needs to go but faces significant challenges getting there. The organizations that successfully navigate implementation barriers—around compliance, explainability, and integration—will build sustainable competitive advantages through faster, more accurate, and more adaptive decisioning.
Banking 4.0 – „how was the experience for you”
„To be honest I think that Sinaia, your conference, is much better then Davos.”
Many more interesting quotes in the video below:
