Key stat: 47% of US banking decision-makers say their institutions have already will have fully rolled out generative AI, up from 10% in 2023, said data from EY-Parthenon.

Beyond the chart:

• Over two-thirds (67%) of senior banking executives reported increased investment in genAI over last year, found a March Capgemini survey.
• However, 56% of US debit card holders say human oversight is very important to help resolve disputed transactions and 55% say the same about handling customer service issues, as noted in a June survey from Auriemma Group.

Use this chart: This is the time to move from pilot projects to full deployment. Laggards risk falling behind in customer experience, cost savings, and innovation. Strategy teams should benchmark where they stand against peers and identify quick-win use cases (like chatbots or risk modeling) to accelerate adoption.

Related EMARKETER reports:

• Banking Trends H2 2025 (EMARKETER subscription required)
• Unlocking Data and AI’s Promise in Banking (EMARKETER subscription required)

Methodology: Data is from the July 2025 EY-Parthenon report titled "GenAI in Retail and Commercial Banking." 100 US banking employees were surveyed during March 2025. The sample included 50 respondents from retail banks and 50 from commercial banks, all with direct involvement in or knowledge of genAI initiatives. Respondents held roles in client servicing, marketing, onboarding, product strategy, investment, or technology. Titles included C-level executives and heads of departments tied to genAI applications such as ChatGPT, DALL-E, OpenAI, and Microsoft Azure.