Where AI pays first: AI in banking report 2027
Report
Get the results of our survey, conducted with leaders working with AI inside financial institutions in the Philippines and Indonesia, where they told us about how they’re taking AI from ambition to operational value. We asked where AI could create the most value next and the people we surveyed inside banks and lenders put process automation first in both markets. This paper follows that answer through three stages of adoption and ends with a benchmark you can use for your own institution.
What teams told us
In the Philippines, 60% chose process automation as AI’s biggest opportunity over the next 12 months. In Indonesia it was the most common answer too, chosen by 30%.
Skills and people were the biggest barrier named in the Philippines (35%). In Indonesia, data quality led (27%).
Old systems were near the bottom of both lists, named by 5% in the Philippines and 6% in Indonesia.
Average confidence that their data and systems can support AI was 3.1 out of 5 in the Philippines and 3.7 in Indonesia.
What’s inside
Where respondents in each market stand, from the first test to AI in daily use
Three stages of adoption and the job leadership has at each one
What each barrier asks of your systems: data that’s safe to read, a way to act and logic your own team can own
Governance you can show a regulator, with what BSP and OJK expect
A benchmark of all five survey questions, so you can compare your institution with peers in each market
Get the whitepaper
For the full findings in each market, read From AI interest to operational value for the Philippines and From AI adoption to AI at scale for Indonesia.
To talk through what the findings mean for your institution, email vanda.jirasek@oradian.com.