• 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

• 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

• AI and operational value take center stage
• Security is a throughline of decision-making and technology investment
• Industry optimism remains high, despite disruption

• AI, modernization, and rising customer expectations take center stage
• Security investment expected to rise sharply in 2026
• Industry optimism remains high, despite disruption

• 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

• 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

• 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

• 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

The modern solution streamlines commercial loan workflows, replacing manual spreadsheets and legacy systems