ÌÇÐÄÆƽâ°æ

As of early 2026, annual AI spending patterns differed markedly between fintechs and traditional financial institutions. Nearly half of fintechs (** percent) reported spending below 10,000 U.S. dollars annually on AI, reflecting the prevalence of smaller firms in the fintech sample. A further ** percent spent between 10,000 and 100,000 U.S. dollars, while ** percent reached the 100,000 to * U.S. dollar range and ** percent exceeded * U.S. dollars. Traditional financial institutions showed a notably different distribution: spending was more evenly spread across the lower brackets, but ** percent reported annual AI spend exceeding * U.S. dollars - nearly times the equivalent fintech share - consistent with the larger scale and deeper technology budgets of incumbent firms.