The digital-first bank’s guide to AI in 2026

Financial institutions are pouring $97 billion into AI by 2027, but here's what nobody tells you: 95% of AI projects fail to deliver on their promises. The reason? Bad data. Not bad algorithms, not insufficient budget, just terrible, siloed, inaccessible data that no AI can work with.

Before you buy another chatbot platform or fraud detection system, ask yourself: can you actually access your own banking data in real-time? Can your data scientists query your core without crashing production systems? Do you have a single source of truth, or are you duct-taping together CSV exports and hoping for the best?

This guide shows you how to build the foundation that makes AI actually work. We cover everything from credit scoring with alternative data to operational automation that cuts costs by 40%. But most importantly, we show you why your data layer matters more than any algorithm and how to fix it before you waste money on AI that goes nowhere.

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AI readiness checklist for banks

Every bank is under pressure to have an AI strategy. Vendors are pitching, boards are asking questions, and regulators are watching closely.

The real question isn’t if you’ll use AI, it’s whether your data, core systems, teams, and governance are actually ready to support it without adding risk.

Our AI readiness checklist for banks helps you answer that, clearly and honestly. It’s designed for product, tech, data, risk, and compliance teams to complete together.

The growth playbook for banks

Want growth in the coming year and beyond? Then this is the whitepaper for you.

Digital wallets, QR payments, and super-apps have changed how people bank in Nigeria, Indonesia, the Philippines, and similar markets. Switching costs are low, expectations are high, and one bad outage or fraud incident can send customers elsewhere with a single tap.

This playbook helps banks and regulated lenders turn first login into long-term, profitable relationships and stable growth.

Think bigger. Go further.

Come and see the future with us. Talk to one of our core banking experts.