Key stat: 66% of US banking executives say their leadership team or board has discussed allocating budget or resources to AI, more than triple the share for any other emerging tech, according to July data from Bank Director and Jack Henry & Associates.

Beyond the chart:

• Marketing (23%), administration (20%), and IT or development (20%) are the top three functions for genAI among US banking executives, found the same data.
• But over a third (35.8%) of US checking/savings account users don’t want AI involved in their banking, per an October 2024 EMARKETER survey, highlighting the need for banks to be thoughtful about AI’s role in the customer experience.

Use this chart: Strategy leaders can use this insight to benchmark their own tech roadmaps. If your board isn’t talking AI yet, you may be falling behind. For fintech marketers and solution providers, the data signals where demand and budget are headed: AI-first solutions will resonate most with decision-makers right now.

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 September 2025 Bank Director "2025 Technology Survey" sponsored by Jack Henry & Associates Inc. 141 banking executives at US banks with assets below $100 billion were surveyed during June-July 2025. The respondents identified their titles as independent directors, chief executives, chief operating officers, and senior technology executives.