印孚瑟斯银行科技指数：第六卷 - 2026年3月

Contents Introduction2Key findings4Technology budget analysis8AI insights12Cloud insights22Appendix26 Introduction The findings in this edition of the InfosysBank Tech Index reflect this shift. Banksare leaning in with conviction, butalso with discipline. While AI initiativescontinue to increase, leaders are far moreselective, prioritizing areas where impactis both measurable and sustainable.Increasingly, the focus is on embeddingAI as a core operating capability, onethat simultaneously improves customerexperience, strengthens engineeringproductivity, modernizes platforms, andenables scale across the enterprise. Underpinning this evolution iscontinued progress in AI-basedsoftware engineering, which acceleratesmodernization and reduces thecomplexity that has accumulated overyears of incremental change. Whilestill at an early stage, these capabilitieshave the potential to unlock entirelynew business models and revenueopportunities. There are strongindications, for example, that agenticcommerce and payments will gainfurther momentum in the comingmonths. Dennis GadaExecutive vice president, global head, banking and financial services Since the start of 2026, conversations withclients around artificial intelligence (AI)have moved beyond isolated use cases.Banking leaders increasingly see thattechnology itself is no longer the primaryconstraint. The greater challenges nowlie in change management, workforceadoption, operating model redesign,and the ability to scale new ways ofworking. Even with today’s AI capabilities,there remains a significant opportunitygap  not in what the technology cando, but in how effectively it is adoptedand embedded into day-to-day bankingoperations. Customer experience and trust havebecome central priorities for banks.AI is being applied across contactcenters and digital channels to enablehyperpersonalized engagement that helpscustomers achieve resolutions faster. Theimpact extends to relationship managersin commercial banking and advisors inasset and wealth management, where AIunlocks richer data and deeper insights,improving productivity and freeing timefor client interaction. Our research shows that banks aresharpening their technological choicesand becoming more intentional aboutwhere and how they deploy AI. We willcontinue to track these shifts and shareinsights in the quarters ahead. If you would like to discuss the findingsor explore how your organization canaccelerate AI-led transformation, weinvite you to connect with us. Key findingsSummary Cost reduction leads, but innovation and growth remain strong Cost reduction is the top focus:Whilenot at the high recorded in 2023, therewas a rise of 3 percentage points fromDecember 2024 (Volume 5), reflectingpressure on teams at large banks. Innovation and growth remain keypriorities:AI innovation is fueling thegrowth mindset; however, our researchreveals new areas of interest such astokenization. Transforming the business modelremains deprioritized:AI improvesefficiency, but new value and strategicadvantage are created only when revenuemodels, customer journeys, and decisionrights change. Perhaps overlapping priorities inhibitclarity:There was a clear distinction inpriorities two years ago; however, nowleaders are challenged to deliver onmultiple objectives simultaneously. Value from AI rises, prompting increased scrutiny AI delivers the most business value inthese functions Chart shows only four out of nine functions.Refer to page 15 for more details.N= 400, whereNis the number of banks surveyedin Volume 6 (Dec 2025). Chart shows only four out of nine functions.Refer to page 14 for more details.N= 400, whereNis the number of banks surveyedin Volume 6 (Dec 2025). Banks see compliance and risk as key areas for AI Corporate and commercial banks seeAI as the most important technology Chart shows only three out of six areas.Refer to page 18 for more details.N= 197, whereNis the number of banks thatresponded to cards and payments questions inVolume 6 (Dec 2025). Chart shows only three out of five technologies.Refer to page 16 for more details.N= 141, whereNis the number of banks thatresponded to corporate and commercial bankingquestions in Volume 6 (Dec 2025). Technology budget analysis AI remains a top tech spending area Spending on core technologies expected to surge stronger trading infrastructure to priceproducts accurately, manage real-timerisks, and handle larger transactionvolumes. Spend on cybersecurity expectedto rise:Cybersecurity spend is rising as banks. Escalation in ransomware, AI-enabled fraud, and tighter compliancerequirements (data protection, resilience,payments security) are forcing banks tostrengthen core defenses. AI and automation spend likely torise:AI spend is increasing as banksmove from pilots to scaled deployments. Spending growth on the top threeareas are expected to outpaceinflation:The IMF forecasts globalinflation to moderate at 3.7% for 2026and inflation in the US at 2.4% for