Report

2025 State of digital banking transformation in retail banking

Unlock the Next Era of Retail Banking

Retail banking is undergoing rapid transformation. Based on insights from 300 banking executives across North America, this new executive report—developed by TechStudio^™, an Energize Marketing^® company, in partnership with FIS^®—reveals how financial institutions are accelerating modernization to meet rising customer expectations and compete in a digital-first world. From AI adoption to embedded integration, the findings highlight where banks are investing now to secure future growth.

Key Learnings:

• 98% of banks already use cloud infrastructure and plan to expand in 2025.
• Every bank is exploring or implementing generative AI for customer experience and efficiency.
• SMB banking, P2P payments, and embedded ERP connectivity are emerging as strategic priorities.

 

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