nCino · 2026
AI in Banking Benchmark
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.
Key Findings
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.
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.
Four themes from the data
Across every type of AI, banking has gone all in
Banking executives aren't picking one type of AI and waiting. Generative, predictive, and agentic AI are all in active deployment at enterprise scale. Leaders are now working through the harder questions — data readiness, workforce transformation, and ROI.
"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.
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