The financial services industry has moved past asking whether AI matters. The question now is how to deploy it effectively, at scale, and in ways that actually stick.
Our 2026 State of Artificial Intelligence report, commissioned by Agent IQ, delivers data-driven answers to that question. We surveyed 103 executives and senior leaders at U.S. banks and credit unions to capture a clear picture of where the industry stands today on AI adoption, investment priorities, implementation strategies, and the barriers standing in the way.
What we found is an industry in motion. Most institutions are still piloting and building internal confidence. Nearly all believe AI will materially change how bankers work within three years. The gap between where institutions are and where they expect to be is significant, and the window for early-mover advantage is open but closing.
This report examines that gap and what it means for banks, credit unions, and the fintech companies serving them.
The full report can be accessed here.