September 15, 2025

2025 Banking Disruption Index Report

GFT surveyed 200 IT decision makers in banking to better understand how they are implementing AI and where it is driving tangible value.

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Bar chart showing top AI priorities for credit unions, highlighting operational efficiency and cost reduction as leading goals, followed by improved customer experience, fraud prevention, and risk management.
Pie chart showing IT budget allocation for AI initiatives in credit unions, with 72% allocating less than 40% of their IT budget to AI and 28% allocating more than 40%.
Pie chart showing customer satisfaction with credit unions’ AI offerings, with 94% of respondents indicating satisfaction and 6% indicating dissatisfaction.
Bar chart showing key AI adoption challenges for banks, including cybersecurity risk, high implementation costs, data privacy risk, regulatory uncertainty, lack of skilled personnel, cultural resistance, legacy IT infrastructure, unclear ROI, and other minor barriers.

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