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- AI, modernization, and rising customer expectations move to the top of the agenda
- Security investment expected to rise sharply in 2026
- Industry confidence remains high despite disruption
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- AI, modernization and rising customer expectations move to the top of the agenda across the Middle East
- Security investment expected to rise sharply in 2026, with UAE among global leaders
- Industry confidence remains high despite disruption
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- AI, core banking modernization, and rising customer expectations take center stage
- Readiness for technological change is high, despite constraints
- Personalization is key, with a focus on tangible use-cases
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- AI and operational value take center stage
- Security is a throughline of decision-making and technology investment
- Industry optimism remains high, despite disruption
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- AI, modernization, and rising customer expectations take center stage
- Security investment expected to rise sharply in 2026
- Industry optimism remains high, despite disruption
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- Most financial institutions in Vietnam are using AI, and plan to increase investments into technology modernization, security and reliability
- Data security and privacy, legacy technology integration and data quality are the top barriers to scaling AI
- Despite constraints, most financial institutions believe they are prepared for technological change
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- One in ten financial institutions in Japan are not using AI – the highest proportion amongst all markets surveyed
- Talent availability is the top challenge when it comes to scaling AI
- Nearly a quarter of financial institutions in Japan feel unprepared for technological change
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- Hong Kong demonstrates strong AI adoption and confidence across core use cases
- Modern technology foundations support scale, security, and innovation
- Institutions remain optimistic amid rapid industry change
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- Singapore outperforms global averages on AI readiness, adoption, and confidence
- Institutions demonstrate strong execution capability, not just experimentation
- Modernization and technology maturity underpin sustained optimism
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