KPMG 2026 Banking Technology Survey Highlights AI, Cybersecurity and Digital Trends
KPMG’s 2026 Banking Technology Survey identifies major strategic priorities for banks amid rapid technological change and evolving risk landscapes. According to the survey, artificial intelligence (AI) continues to be a key driver of innovation, used to enhance credit risk modeling, personalize customer experiences, and automate operational processes.
The survey also shows that cybersecurity investments remain a top concern, as institutions work to counter increasingly sophisticated threats and protect customer data. Adoption of cloud platforms and analytics capabilities is expanding, enabling banks to scale digital services and improve real‑time decision‑making.
Balancing innovation with regulatory compliance and risk governance emerged as a central theme, with many banks focusing on stronger oversight of emerging technologies. Industry experts say that successfully integrating technology and risk management will be essential for competitive advantage and sustainable growth through 2026 and beyond.
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