Reports 2025
The 2025 Global Banking Monitor research programme examines how AI-native banking and structural transformation are reshaping the financial services industry. Across nine in-depth reports totalling over 650 pages, our analysts explore the technologies, competitive forces, and strategic choices that will define the next era of banking - from agentic AI and enterprise platforms to embedded finance and the new competitive landscape.
AI and Intelligent Systems
Agentic AI in Banking: From Copilots to Autonomous Systems
Published 12 February 2025 - 82 pages
How autonomous AI agents are transforming banking operations, and the governance challenges they create.
Published 12 February 2025 - 82 pages
How autonomous AI agents are transforming banking operations, and the governance challenges they create.
AI Governance at Scale: From Policy to Control Systems
Published 20 March 2025 - 68 pages
Practical frameworks for scaling AI governance from isolated policies to integrated, real-time control systems.
Published 20 March 2025 - 68 pages
Practical frameworks for scaling AI governance from isolated policies to integrated, real-time control systems.
Enterprise AI Platforms: The New Core of Banking Technology
Published 25 April 2025 - 74 pages
Why the AI platform layer is becoming the most strategically important component of the banking technology stack.
Published 25 April 2025 - 74 pages
Why the AI platform layer is becoming the most strategically important component of the banking technology stack.
AI Risk and Accountability: Who Is Responsible When AI Acts?
Published 8 July 2025 - 66 pages
The evolving legal and governance landscape around accountability when AI systems make consequential decisions.
Published 8 July 2025 - 66 pages
The evolving legal and governance landscape around accountability when AI systems make consequential decisions.
Banking Transformation
Global Banking Outlook 2025: Structural Transformation and the AI-Native Bank
Published 8 January 2025 - 88 pages
The flagship annual outlook examining how AI is restructuring banking economics, competition, and strategy.
Published 8 January 2025 - 88 pages
The flagship annual outlook examining how AI is restructuring banking economics, competition, and strategy.
The Decline of Traditional Core Banking: What Comes Next
Published 2 June 2025 - 72 pages
Why legacy core systems are reaching their limits and what replacement architectures look like.
Published 2 June 2025 - 72 pages
Why legacy core systems are reaching their limits and what replacement architectures look like.
Hyperpersonalisation: Real-Time, AI-Driven Customer Engagement
Published 18 September 2025 - 60 pages
How real-time decisioning and generative AI are making true personalisation an operational reality.
Published 18 September 2025 - 60 pages
How real-time decisioning and generative AI are making true personalisation an operational reality.
Competition and Market Structure
The Invisible Bank: When Banking Disappears into Platforms
Published 13 August 2025 - 68 pages
How embedded finance is dissolving banking into non-financial platforms and what it means for customer ownership.
Published 13 August 2025 - 68 pages
How embedded finance is dissolving banking into non-financial platforms and what it means for customer ownership.
New Competition: Big Tech, Fintech and AI-Native Entrants
Published 24 October 2025 - 71 pages
Analysing the competitive threat from big tech, maturing fintechs, and a new wave of AI-native financial services providers.
Published 24 October 2025 - 71 pages
Analysing the competitive threat from big tech, maturing fintechs, and a new wave of AI-native financial services providers.
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