Bank Director's 2025 Technology Survey: Banks Grapple With Data, AI Maturity
Jack Henry & Associates (NASDAQ:JKHY) is highlighted in Bank Director's 2025 Technology Survey, which reveals significant insights about technology adoption in the banking sector. The survey of 141 banking executives shows that 71% of banks increased their technology budgets with a median rise of 10%.
Key findings indicate that 56% of banks rely on their core provider for data access, while 28% invested in data analysis platforms in the past 18 months. Regarding AI adoption, 66% of banks have drafted AI use policies and 62% are experimenting with limited AI use cases. The survey also reveals that 60% of banks view local banks/credit unions as their primary competition, followed by big banks (53%) and fintech companies (44%).
I risultati principali indicano che il 56% delle banche si affida al proprio fornitore principale per l'accesso ai dati, mentre il 28% ha investito in piattaforme di analisi dei dati negli ultimi 18 mesi. Per quanto riguarda l'adozione dell'IA, il 66% delle banche ha redatto politiche sull'uso dell'IA e il 62% sta sperimentando casi d'uso limitati dell'IA. L'indagine rivela inoltre che il 60% delle banche considera le banche locali/cooperative di credito come la loro principale concorrenza, seguite dalle grandi banche (53%) e dalle aziende fintech (44%).
Los hallazgos clave indican que el 56% de los bancos depende de su proveedor principal para el acceso a datos, mientras que el 28% invirtió en plataformas de análisis de datos en los últimos 18 meses. En cuanto a la adopción de IA, el 66% de los bancos ha elaborado políticas de uso de IA y el 62% está experimentando con casos de uso de IA limitados. La encuesta también revela que el 60% de los bancos ven a las bancos locales/credit unions como su principal competencia, seguido por los grandes bancos (53%) y las empresas fintech (44%).
주요 발견에 따르면 데이터 접근을 위해 56%의 은행이 핵심 공급자에 의존하고, 지난 18개월간 28%가 데이터 분석 플랫폼에 투자했습니다. AI 도입에 관해서는 은행의 66%가 AI 사용 정책을 수립했고 62%가 제한된 AI 사용 사례를 실험하고 있습니다. 또한 설문은 은행의 60%가 지역 은행/신용조합을 주요 경쟁자로 보고 있으며, 그다음으로 대형 은행(53%)과 핀테크 기업(44%)을 꼽고 있음을 보여줍니다.
Les résultats clés indiquent que 56% des banques dépendent de leur fournisseur principal pour l'accès aux données, tandis que 28% ont investi dans des plateformes d'analyse de données au cours des 18 derniers mois. Concernant l'adoption de l'IA, 66% des banques ont élaboré des politiques d'utilisation de l'IA et 62% expérimentent des cas d'utilisation limités de l'IA. L'enquête révèle également que 60% des banques considèrent les banques locales/coopératives de crédit comme leur principal concurrent, suivies par les grandes banques (53%) et les entreprises fintech (44%).
Wichtige Ergebnisse zeigen, dass 56% der Banken auf ihren Core-Anbieter für den Datenzugriff angewiesen sind, während 28% in den letzten 18 Monaten in Datenanalyse-Plattformen investiert haben. Zur KI-Bereitschaft: 66% der Banken haben KI-Nutzungsrichtlinien erstellt und 62% experimentieren mit begrenzten KI-Anwendungsfällen. Die Umfrage zeigt auch, dass 60% der Banken lokale Banken/Kreditgenossenschaften als Hauptkonkurrenz ansehen, gefolgt von großen Banken (53%) und Fintech-Unternehmen (44%).
تشير النتائج الرئيسية إلى أن 56% من البنوك تعتمد على مزودها الأساسي للوصول إلى البيانات، بينما استثمر 28% في منصات تحليل البيانات خلال الـ18 شهرًا الماضية. فيما يتعلق بتبني الذكاء الاصطناعي، قام 66% من البنوك بوضع سياسات استخدام الذكاء الصناعي و 62% يختبرون حالات استخدام محدودة للذكاء الاصطناعي. كما تكشف الاستطلاع أن 60% من البنوك ترى البنوك المحلية/اتحادات الائتمان كأهم منافس لها، يليها البنوك الكبرى (53%) وشركات التقنية المالية (44%).
关键发现表明，56% 的银行依赖其核心提供商获取数据，而在过去 18 个月中有 28% 投资于数据分析平台。关于人工智能的采用，66% 的银行已起草人工智能使用政策，62% 在有限的 AI 用例上进行试验。调查还显示，60% 的银行认为本地银行/信用合作社是其主要竞争对手，其次是大型银行（53%）和金融科技公司（44%）。
- 71% of banks increased technology budgets with median 10% rise
- 66% of banks have drafted AI acceptable use policies
- 70% of larger banks (>$10B assets) invested in data analysis capabilities
- 62% of banks are actively experimenting with AI in limited use cases
- Only 18% of banks measure ROI on technology investments
- 41% of banks report tech initiatives falling short of objectives
- 33% of respondents believe their bank lacks sufficient tech resources
- One-third of banks struggle with effective data utilization
Bank Director's 2025 Technology Survey examines decision-making, data strategies and how banks are using artificial intelligence.
Community banks have access to valuable customer financial data, but many bankers admit they don't always know how to make the best of it. In the survey, one-third of bank leaders cite an inability to use data effectively as a top challenge facing their institution when it comes to technology.
"Smaller institutions today must compete with the biggest banks as well as financial technology providers such as PayPal, Block and Chime — all of which leverage data capabilities and increasingly, AI," says Emily McCormick, Bank Director's vice president of editorial & research. "Working with vendors, community bankers indicate that they're working to bridge this gap but still have room to mature."
To effectively use emerging technologies, including artificial intelligence, banks must aggregate, organize and clean their data so they're not relying on incomplete or redundant information. Bank CEOs, chief operating officers, senior technology executives and board members participating in the survey say their institution employs a variety of methods to manage data. Fifty-six percent keep data in the system or platform that generates or uses it, and an equal percentage rely on their core provider to access data. Forty-one percent use spreadsheets to manage data used by business lines, and
Some banks are tackling this challenge. Twenty-eight percent of respondents say their institution has invested in data analysis platforms or capabilities over the past 18 months, a percentage that climbs to
"Given efficiency is the primary objective driving investments in data, analysis, automation, and AI, it's no surprise that
The survey includes the views of 141 independent directors, chief executives, chief operating officers and senior technology executives of
Additional Key Findings
Acting on AI
Majorities of respondents say their bank has taken some initial steps in response to the growing prevalence of artificial intelligence technologies, including drafting an acceptable use policy for AI (
Stablecoin Impact
Just over half of bank executives and directors say they are slightly concerned about the impact of stablecoins on deposit competition and
A Defanged CFPB?
The Trump administration ordered the Consumer Financial Protection Bureau to halt much of its work early this year, and the bureau indicated in an April 2025 memo that it would focus enforcement efforts more on depository institutions than on nonbanks and fintech firms. Sixty-two percent of respondents say this would negatively impact banks' ability to compete.
How Decisions Are Made
More than half (
Measuring Up
Just
Not Meeting Targets
Fifty-six percent of bank executives and directors say their organization sets clear objectives for technology initiatives and investments. Of those respondents,
About Bank Director
Bank Director reaches the leaders of the institutions that comprise America's banking industry. Since 1991, Bank Director has provided board-level research, peer-insights and in-depth executive and board services. Built for banks, Bank Director extends into and beyond the boardroom by providing timely and relevant information through Bank Director magazine, board training services and the financial industry's premier event, Acquire or Be Acquired. For more information, please visit BankDirector.com.
About Jack Henry & Associates, Inc.®
Jack Henry™ (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For nearly 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their account holders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.
For more information, please contact Bank Director's Marketing Associate, Emma McMillan-Zapf, at emcmillan@bankdirector.com.
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SOURCE Bank Director
FAQ
What percentage of banks increased their technology budgets in 2025 according to Bank Director's survey?
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