13/07/2026
AI is scaling fast in banking, but governance is struggling to keep up. As adoption shifts from experimentation to enterprise-wide deployment, banks are unlocking efficiency, resilience, and growth while facing rising data, regulatory, cyber and reputational risks.
Deloitte Access Economics latest research, Banking on trust: AI governance for growth, resilience and scale, shows that stronger AI governance is linked to broader AI deployment and higher revenue growth, positioning governance as a growth enabler rather than a brake on innovation.
Key takeaways:
• 63% of bank employees now use AI weekly (up 2x in one year)
• 87% of global banks have scope to materially strengthen AI governance
• Only 6 in 10 banks have risk monitoring in place after implementation of traditional and generative AI; this drops to 4 in 10 for agentic AI
• Banks with optimised AI governance see 31% higher AI adoption and 5x broader implementation across business units
The challenge isn’t just technical, it’s organisational. Many banks have policies in place, but lack clear accountability, capability and consistent ex*****on. As AI becomes core to transformation, the governance gap is becoming a performance gap.
Banks that lead on trustworthy AI will scale faster, build trust, and unlock sustainable value. Closing the governance gap is now critical to scaling AI safely and at scale.
Explore what effective AI governance looks like in practice: https://delo.tt/6180BETJCY