Executive Insights Report

Pilots to Production: How Are Banks Turning AI into Revenue

New research shows why only a small group of banks capture AI-Driven revenue.

The AI Revenue Gap

While AI adoption in financial services is accelerating, most institutions are still focused on cost reduction rather than revenue generation. Closing the gap between AI’s potential and realized impact represents a US$368B opportunity by 2032.

$368B

By 2032

30%+

CAGR

3 Regions

Leading Growth

Why Most Banks Are Still Stuck

Moving from AI pilots to scaled revenue impact is an operational challenge, not just a technical one. Institutions face three critical barriers that prevent them from capturing AI's full revenue potential.

Data Fragmentation

Siloed, inconsistent data limits customer visibility and weakens high-value models for personalization, fraud detection, and predictive credit.

Governance Uncertainty

Uneven AI regulations—strict in the EU, loose in many emerging markets—create compliance risks and slow bold use case deployment.

Execution Friction

Legacy core systems, scarce AI talent, and rigid architectures make scaling tough even after promising pilots deliver proof of concept.

5 Revenue Levers That Work

Proven AI applications that are driving measurable revenue growth across financial institutions

Hyper-personalized Cross-sell & Upsell

ScreenShot_2026-02-02_171308_447-removebg-preview Premium Digital Wealth Engagement

ScreenShot_2026-02-02_171349_698-removebg-preview AI-Augmented Compliance & Fraud Prevention

ScreenShot_2026-02-02_171325_590-removebg-preview Financial Inclusion Lending

ScreenShot_2026-02-02_171402_953-removebg-preview SME/Merchant Acquisition & Risk Scoring

What Sets Top Performers Apart

Institutions that successfully scale AI revenue share common strategies that go beyond technology. They build organizational capabilities, governance frameworks, and partnership models that enable sustainable growth.

Technology Strategy

How to blend buy/partner/build and integrate into complex cores.

Organizational Capability

Trust, workflow fit, incentives, and skills that drive adoption.

Governance & Embed

Controls built into delivery so AI can scale safely and fast.

Regional Growth Blueprints

Each region's trajectory reflects unique customer behavior, regulation, and competitive dynamics

Southeast Asia: Scaling AI in a Mobile-First Region

With 680+ million people and a median age just over 30, Southeast Asia's mobile-first consumers and supportive regulators create unique opportunities for AI-driven growth.

Latin America: AI as a Catalyst for Inclusion and Competition.

With more than 200 million adults outside formal financial services, AI is rapidly becoming central to the competitive race in Latin America's financial sector.

Middle East: Leveraging AI for Scale, Service, and Sovereign Ambitions.

Driven by Gulf national AI strategies and inclusion- and fintech-led momentum, Middle East is poised to become the world’s fastest-growing AI spending region.