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印孚瑟斯(Infosys):2026年银行业科技指数报告(第六卷)(英文版)(32页).pdf

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1、Infosys Bank Tech Index:Volume 6 March 2026|1External Document 2026 Infosys Limited Knowledge InstituteINFOSYS BANKTECH INDEXVolume 6 March 2026ContentsIntroduction2Key findings4Technology budget analysis8AI insights12Cloud insights22Appendix26Infosys Bank Tech Index:Volume 6 March 2026|1External Do

2、cument 2026 Infosys Limited Introduction2|Infosys Bank Tech Index:Volume 6 March 2026External Document 2026 Infosys Limited Infosys Bank Tech Index:Volume 6 March 2026|3External Document 2026 Infosys Limited Knowledge InstituteSince the start of 2026,conversations with clients around artificial inte

3、lligence(AI)have moved beyond isolated use cases.Banking leaders increasingly see that technology itself is no longer the primary constraint.The greater challenges now lie in change management,workforce adoption,operating model redesign,and the ability to scale new ways of working.Even with todays A

4、I capabilities,there remains a significant opportunity gap not in what the technology can do,but in how effectively it is adopted and embedded into day-to-day banking operations.The findings in this edition of the Infosys Bank Tech Index reflect this shift.Banks are leaning in with conviction,but al

5、so with discipline.While AI initiatives continue to increase,leaders are far more selective,prioritizing areas where impact is both measurable and sustainable.Increasingly,the focus is on embedding AI as a core operating capability,one that simultaneously improves customer experience,strengthens eng

6、ineering productivity,modernizes platforms,and enables scale across the enterprise.Customer experience and trust have become central priorities for banks.AI is being applied across contact centers and digital channels to enable hyperpersonalized engagement that helps customers achieve resolutions fa

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1. **AI价值提升与筛选**:59%的已部署AI项目产生业务价值,客户服务(22%)和网络安全(15%)是价值最高的领域,但AI项目取消率上升33%,显示对ROI的更严格审查。 2. **技术预算增长**:2026年上半年核心技术预算预计增长3.6%,其中AI与自动化(2.7%)、网络安全(3.1%)增速领先,超全球通胀预期(3.7%)。 3. **云战略转向私有云**:私有云占比预计从25%升至31%,主因数据主权、安全及合规需求,但技能缺口(+4%)成为新挑战。 4. **行业差异化应用**: - 企业银行:AI/ML风险评估(23%)最关键; - 资本市场:52%机构已大规模应用AI; - 支付领域:40%聚焦合规与ISO 20022数据优化。 5. **数据与规模化瓶颈**:57%银行数据架构可支持AI,但跨业务线规模化仍是主要障碍,数据隐私与安全仍是全球最大挑战(19%)。
AI如何重塑银行? 银行技术预算趋势? 云迁移挑战何在?
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