Innovation in retail banking : Benchmarking innovation and technology readiness for 2030s
This year’s research captures financial institutions’ progress as they navigate a challenging yet promising environment.
In partnership with
Infosys Finacle
Inspiring better banking across 100+ countries.
About the 16th Edition of Innovation in Retail Banking Research
The 16th Edition of Innovation in Retail Banking marks a game-changing moment for the industry. For the first time, banks are moving beyond digital transformation hype to achieve real, measurable impact—17% now report initiatives deployed at scale, up from 11% in 2024. Drawing insights from over 170 global banking leaders, this report highlights how retail banking is leading the charge, with 31% of initiatives successfully scaled, and outlines the strategic pillars shaping the next decade of banking innovation.
Looking ahead to 2030, banking will be faster, smarter, and fully AI-driven. Expect instant global payments, automated lending decisions in under a minute, and Generative AI handling the majority of customer interactions. Embedded banking partnerships could contribute over 25% of revenues, while cloud and API innovations become mission-critical. From composable AI-first platforms to ecosystem-driven product innovation, this edition reveals how banks are turning bold visions into tangible results—and why the next wave of transformation is set to redefine the future of finance.
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