全球技术报告2026：金融服务

Foreword Assomeone who’s worked closely with financial services organizations around the world, I cansay with confidence: the ambition to transform is real. Across the sector, leaders understand thatAI and digital technologies are reshaping how we operate, serve clients, and compete. There’s aclear desire to move fast, to innovate boldly, and to unlock the full potential of these tools. As I often say, AI is just the tip of the iceberg; what really mattersis the ecosystem that enables it. That means investing in thefoundations: high-quality data, simplified processes, resilientinfrastructure, and embedded security. Without these, even themost advanced AI tools will struggle to deliver meaningful results. technology leaders, offers a timely snapshot of where the sectorstands today. It highlights the investments being made, the risksbeing managed, and the opportunities that lie ahead. If you’reinvolved in shaping your organization’s technology strategy, I hope learn more about the data or to explore your own unique technologyand transformation challenges and opportunities. to more agile, iterative planning cycles. They’re rethinking theold “build versus buy” debate and instead focusing on how tocombine their unique assets, like proprietary data and deep clientrelationships, with the right external capabilities. And they’rebeginning to understand that sustainable advantage won’t come Keyfindings Adapting to disruption40% 89%Maturing by the minute Looking to the futureAIisthe#1trend Strengthening the foundations expected to have the biggest impact 40 percent of the valuethey get from digitaltechnologies comes fromtheir foundational and coretech platforms consider themselves as either innovators orfast followers say data security will be critical to achieving their strategic goals60% Cyberattacksand IP theft top the list for biggest risks 2.5xgrowthin the number of organizations that expectto be at the highest level of AI maturity say they lack the talent they need to bringtheir technology plans to life#1barrier technical debt preventsthem from makinginvestments in new 43% within the next year expect to reach the highest level of maturityfor cybersecurity within the year58% SkillsandtalentTop success factor for their technology to collaboration issecurity concerns cybersecurity and dataanalytics by 10 percentor more this year Turnmomentumintoscale globally recognize that digital technologies are rapidly disruptingevery sector and every activity. And every bank, insurer, assetmanager and private equity house is moving quickly to transform Innovating and deploying AI use cases into production at scale, delivering ROI across multiple use cases across a range of core technology functions. Where they areparticularly strong is in the foundations — areas like cybersecurity,network infrastructure and enterprise data management — thebuilding blocks upon which future transformation are created. market to experiment and adopt new technologies. Another46 percent are self-described fast followers. Just one in tenwaits until technologies are mainstream. ambition. Consider this: today, just 26 percent of financialservices technology leaders say they are deploying AI usecases into production at scale. But within the next 12 months,65 percent of financial institutions think they will be at that stage.Banking and capital markets seem set to mature the fastest, “A number of insurance firms, for example, are now using agents to supportsubrogation, allowing them to pursue claims that would previously havebeen uneconomical,” notes Gerrit Bojen, Partner, Head of Technology and It’s not just AI. Financial services leaders expect to make massive strides ona range of technologies. Take cybersecurity for example: whereas just14 percent of respondents say their cyber technologies are fully scaledtoday, 58 percent expect to be in that position within the next 12 months.Data and analytics should jump from 8 percent who claim high maturity say that — while their strategy is funded and supported — they are hittingblocks with scaling-up. Thirty-seven percent say that about cybersecurity.Thirty-five percent say the same about their AI and automation efforts. Source: KPMG Global tech report 2026, KPMG International, January 2026. roadblocks to rapid and widespread AIadoption, many industry leaders continue tostruggle with foundational challenges relatedto their data quality and the adaptability oftheir legacy systems of course; it also requires 31%Data and analytics Head of Insurance and FintechKPMG in Israel Unlockvaluefromcore investments into digital transformation will never return real value ifit’s built on shoddy foundations. Indeed, even in the age of FOMO(fear of missing out) over AI, financial services tech leaders stillsay they get the best bang for their buck from investments intofoundational and core technology platforms. More than half of theorganizations in our survey (52 percent) said that mo