KPMG 2026 Banking Technology Survey Highlights AI, Digital, and Cybersecurity Trends

KPMG’s 2026 Banking Technology Survey reveals that financial institutions are accelerating digital transformation, with AI adoption, cybersecurity, and operational resilience emerging as top priorities. Banks are increasingly leveraging AI for credit risk assessment, customer personalization, fraud detection, and process automation to improve efficiency and competitiveness.

The survey highlights that cybersecurity remains a critical concern, as threats grow in complexity and scale, prompting institutions to strengthen monitoring, governance, and response frameworks. Investment in cloud infrastructure, data analytics, and digital innovation is also driving new business models and improved customer experiences.

Industry leaders emphasize that staying ahead in banking technology requires a balance of innovation, regulatory compliance, and operational risk management. The findings indicate a shift toward capability-led growth, with technology playing a central role in shaping the future of banking and financial services.

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