# AI in Banking Benchmark
**nCino · 2026**

Banking leaders are investing in AI. But measuring outcomes, closing data gaps, and preparing people for what's next — that's where the next era of financial services will be decided. nCino surveyed executives to understand where the industry stands.

150 senior U.S. banking executives. One clear gap: AI adoption is accelerating, but accountability isn't keeping pace. Download the 2026 benchmark.


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## Key Findings Stats
- **84%  are deploying AI at an enterprise level.**
- **89%  expect a human + AI agent workforce within five years. **
- **4 in 5 prioritize adoption over return on AI investment. **

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## Key Finding Stats  2
- **21% tie AI investments to increased revenue. **
- **93% cite at least one data governance challenge. **
- **94% say end-to-end AI delivers more value than isolated tools. **

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> "The next phase is turning this into real momentum — ensuring AI investments deliver measurable outcomes. That requires treating AI not just as a technology initiative, but as a transformation of how institutions operate and serve their customers."
>
> — Sean Desmond, Chief Executive Officer, nCino

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**nCino Data + AI**

## See how nCino turns AI insights into banking outcomes

The benchmark reveals where the industry stands. nCino's Data + AI solutions are built to close the gaps — connecting adoption to accountability, unifying data, and powering the dual workforce.
[Explore Data + AI →](/data-ai-analytics)

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**Methodology**

The nCino AI in Banking Benchmark was fielded between late March and early April 2026 among 150 U.S. banking senior technology and business decision-makers, including CEOs, CIOs, CTOs, Managing Directors, and VPs across credit unions, community banks, regional and super-regional banks, and global financial institutions.

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