P ess co tact:Fahd PashaTel.: + 1 647 860 3777E-mail: Fahd.Pasha@capgemi i.com
Fi a cial i stitutio s accele ate t a sitio to multi-age t AI i d ive fo bottom-li e value
- 59% a e piloti g o deployi g multi-age t AI systems, yet o ly 10% have achieved e te p ise-wide o chest atio
- 90% of fi ms a e usi g o pla i g to impleme t i tellige t model outi g to optimize pe fo ma ce a d ma age toke costs
- 52% of ba ks a d i su e s a e tu i g to hype scale s as thei p efe ed cloud pa t e to gove multi-age t deployme ts
Pa is, Novembe 5, 2026 – Fi a cial i stitutio s a e movi g beyo d isolated age tic AI expe ime ts to multi-age t AI ac oss co e ba ki g a d i su a ce wo kflows. The Capgemi i Resea ch I stitute’s Wo ld Cloud Repo t fo Fi a cial Se vices 2027 eveals that while 59% of fi ms a e piloti g o deployi g multi-age t AI i p oductio , o ly o e i te have achieved the full o chest atio equi ed to u them auto omously ac oss the e te p ise. To scale successfully, ba ks a d i su e s ecog ize that mode izi g thei u de lyi g tech stack is a p e equisite to succeed i the age tic AI e a – with eight i te executives p io itizi g the eductio of tech debt as a key objective.
Ba ks a d i su e s look to p io itize busi ess outcomes ove age tic AI efficie cies As fi a ce o ga izatio s move past i dividual AI age ts to multi-age t systems, the p essu e to p ove value is i te sifyi g. By 2028, the umbe of executives p io itizi g outcomes as thei p ima y AI-fu di g c ite io is p ojected to i c ease 141%, while the umbe focused o efficie cy will d op 42% ove the same pe iod, acco di g to the global su vey of 1,100 C-suite executives of fi a cial se vices fi ms.
This cha ge i app oach comes as fi a cial fi ms look to bala ce the capabilities of age tic AI with the cost of deployme t. Acco di g to the esea ch, oughly half of fi a cial se vices fi ms ca ot co siste tly demo st ate a etu o thei age tic AI i itiatives a d lack clea f amewo ks fo assessi g whethe those i itiatives delive sufficie t value to justify co ti ued i vestme t. To add ess these challe ges, fi a cial i stitutio s a e impleme ti g discipli ed cost a d pe fo ma ce co t ols to co ti ue thei i ovatio d ives. Most o ga izatio s a e deployi g o expect to adopt i tellige t model outi g withi a yea that di ect tasks to the most cost-effective a d accu ate models.
Cloud is a key executio laye fo multi-age t systemsAcco di g to the epo t, fi a cial i stitutio s i c easi gly ecog ize cloud as the commo executio laye that gove s how age ts access data, make decisio s, a d take actio . Dema d is co solidati g a ou d majo p ovide s with ove half of ba ks a d i su e s ide tifyi g hype scale s as thei p efe ed pa t e to gove multi-age t deployme ts d ive by equi eme ts fo egulato y a d data eside cy ce tificatio s, secu ity a d ide tity f amewo ks, a d auditability at scale.
This eed fo cloud e vi o me ts that ca suppo t auto omous ope atio s while meeti g egulato y equi eme ts is i c easi g as AI age ts a e taki g o g eate decisio -maki g espo sibilities. Th ee qua te s of espo de ts expect them to become a key pa t of custome e gageme t withi th ee yea s, pa ticula ly i accou t se vici g, loa o igi atio a d u de w iti g, a d p oduct ecomme datio s.
“I just 12 mo ths, fi a cial i stitutio s have moved beyo d expe ime ti g with i dividual AI age ts tackli g isolated tasks to deployi g multi-age t systems that coo di ate actio s ac oss e ti e busi ess li es. Yet adoptio alo e does ot c eate value,” said Ravi Khokha , Global Head of Cloud fo Fi a cial Se vices at Capgemi i. “Successfully scali g these systems equi es i f ast uctu e that d ives e d-to-e d o chest atio , effective gove a ce a d secu ity by desig , a d clea li k i to bottom-li e impact. Cloud is ow the ope atio al fou datio that makes all this possible. The few pulli g ahead a e ot t eati g cloud as a commodity, but as the fou datio al pilla of thei age tic AI st ategy.”
Hyb id sou ci g to become the domi a t app oachTo ealize this visio , fi ms a e co ve gi g o a hyb id sou ci g model fo age tic AI capabilities that bala ces buildi g capabilities i -house fo diffe e tiatio , buyi g packaged age tic solutio s to accele ate deployme t at scale, a d wo ki g with pa t e s fo ecosystem depth. This is expected to become the domi a t app oach fo mo e tha two-thi ds of fi a cial i stitutio s withi th ee yea s.
A small umbe of fi a cial se vices fi ms a e ope atio alizi g age tic AI to delive agai st the bottom-li e The epo t ide tifies a small g oup of fi a cial i stitutio s, ep ese ti g just 5% of those su veyed, that have al eady i stitutio alized the capabilities equi ed to ope ate age tic AI at e te p ise scale. Thei edge ove the est of the i dust y shows up co siste tly ac oss th ee p io ities: o chest ati g age ts ac oss busi ess a d tech ology fu ctio s, establishi g a t usted cloud fou datio fo auto omous executio , a d e su i g AI i vestme ts delive measu able busi ess outcomes.
Read the full epo t: Wo ld Cloud Repo t fo Fi a cial Se vices 2027 – The age tic e a is cloud’s mome t of t uth
MethodologyThe Wo ld Cloud Repo t fo Fi a cial Se vices 2027 d aws o two p ima y esea ch sou ces. The 2026 Global Fi a cial Se vices Executive Su vey, co ducted f om Ju e to July 2026, polled 1,100 fi a cial se vices leade s ac oss 14 ma kets. Respo de ts ep ese ted seve fi a cial se vices secto s with bala ced pa ticipatio : etail ba ki g, wealth ma ageme t, payme ts, co po ate a d i vestme t ba ki g, P&C i su a ce, life i su a ce, a d health i su a ce. The Global Executive I te views, co ducted f om Ju e th ough Septembe 2026, featu ed se io leade s f om fi a cial i stitutio s a d hype scale s ac oss the same ma kets.
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About the Capgemi i Resea ch I stitute The Capgemi i Resea ch I stitute is Capgemi i’s i -house thi k-ta k o all thi gs digital. The I stitute publishes esea ch o the impact of digital tech ologies o la ge t aditio al busi esses. The team d aws o the wo ldwide etwo k of Capgemi i expe ts a d wo ks closely with academic a d tech ology pa t e s. The I stitute has dedicated esea ch ce te s i I dia, Si gapo e, the U ited Ki gdom a d the U ited States. It was a ked #1 i the wo ld fo the quality of its esea ch by i depe de t a alysts fo six co secutive times – a i dust y fi st.
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