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Generative AI (GenAI) implementation in banking in the United States in 2023 and 2025, by stage

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Source

Release date

September 2025

Region

United States

Survey time period

July 2023 and March 2025

Number of respondents

100 respondents

Special properties

leading firms in the retail and commercial banking sectors

Supplementary notes

Survey sample size was 151 respondents in 2023 and 100 respondents in 2025.

Citation formats

GenAI implementation in U.S. banks 2023-2025, by stage

Published by ÌÇÐÄÆƽâ°æ Research Department, Feb 16, 2026

By 2025, U.S. banks had moved decisively from experimentation to execution in their adoption of generative AI (GenAI). The share of institutions that had fully rolled out GenAI jumped sharply from ** percent in 2023 to ** percent in 2025, making deployment the dominant stage of implementation rather than pilot testing. At the same time, earlier-phase activities declined. Fewer banks were in the beta-testing, design, or consideration stages, signaling that GenAI strategies had matured beyond exploratory initiatives. While a similar share continued to soft-launch solutions with select groups, the overall shift indicates that GenAI is no longer primarily a trial technology for U.S. banks, but it has become an operational tool embedded in live environments.

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