From AI interest to operational value: The state of AI in Philippine financial services 2026
Report
We asked the leaders who work with AI inside banks and lenders in the Philippines where it runs today, what stops wider use and where it could create the most value next. The report turns their answers into priorities that you can start using today.
What teams told us
60% chose process automation as AI’s biggest opportunity over the next 12 months.
75% already use or test AI somewhere in their institution, most often in reporting and analytics and in process automation.
35% named skills and people as the biggest challenge stopping wider use of AI. Only 5% named old systems.
3.1 out of 5 is their average confidence that their data and systems can support AI.
What’s inside
Where AI stands today and why 60% of respondents place their institution at an early stage
Where AI is used, from reporting and automation to fraud detection and credit decisions
What holds AI back and why the view from inside Philippine institutions puts people before technology
Where teams see the most value next and what to do before you automate a process
What it all means for leaders, with five questions to take back to your institution
Get the report
Want to see where your institution stands? To talk through what the findings mean for your institution, email vanda.jirasek@oradian.com and our Manila team will set up a call.
Also from the survey: our Indonesia report From AI adoption to AI at scale and our whitepaper Where AI pays first, which covers both markets.