【英伟达NVIDIA】2025年金融服务行业AI现状与趋势报告

SurveyReport

nvIDIA

StateofAIinFinancial

Services:2025Trends

TableofContents

KeyAITrendsFinancialServicesforin20253

StrategicInfrastructureandInvestments

IndustryInsightsandFutureOutlook

AIUseMaturesDeploymentUseCasestoofStrategic4

AIMachineLearningWorkloadsand

HowAIBusinessOperationsisImproving

GenerativeAIDrivingIsIndustryTransformation6

TopGenerativeAIUseCases

HowAIDrivingBusinessResultsFinancialServicesIsfor

InvestmentAIin

AIChallengesontheDecline10

Energy-EfficientComputing

LookingForward:AIOpportunitiesandExpectations12

KeyAITrendsforFinancialServicesin2025

AIisbringingsignificantnewcapabilitiestofinancialservices.Tobetter

understandhowtheindustryisleveragingAItotransform,NVIDIAhascompletedourfifthannualStateofAIinFinancialServicesreport.Thisreportisbasedon

asurveyofapproximately600globalfinancialservicesprofessionalsaboutthetrends,challenges,andopportunitiesforacceleratedcomputing,AI,andmachinelearningintheindustry.

ThelatestsurveyresultsshowgenerativeAIstandingoutasapivotal

technology.Buildingonthemomentumfromlastyear’ssurvey,overhalfof

therespondentscurrentlyuse

generativeAI

,upfrom40percentlastyear.

GenerativeAIcanquicklygeneratenewcontent—includingtext,images,3D

models,video,andmore—basedonavarietyofinputs.Thistechnologyisnot

onlyenhancingexistingapplicationsbutisalsodrivingthecreationofinnovativeservicesandsolutionsacrossthefinancialservicessector.

StrategicInfrastructureandInvestments

Tosetthemselvesapartfromthecompetition,banksandfinancialservices

companiesarecontinuingtoinvestheavilyinAItoimproveunderwriting,

enhancecustomerexperiences,reducerisk,andmaximizeportfolioreturns.

SurveyfindingsrevealthatasignificantportionofAIinvestmentswillgo

towardcomputinginfrastructure.Theseinfrastructureinvestmentsenable

companiestobuildAIfactories—speciallybuiltacceleratedcomputing

platformsforprocessing,refining,andtransformingvastamountsofdataintovaluableAImodelsandtokens.Financialservicescompanieswillusethese

capabilitiestobringgreaterefficiencytooperationsandenhanceservicestobuildacompetitiveedge.

Keyfindingsfromthisyear’ssurveyunderscorethesignificantimpactofAI:

>InvestmentinAIinfrastructureisseeingarobustincrease,with98percentofmanagementsayingtheywillfurtherincreasespendingin2025.

>OverhalfofcompaniesnowviewAIascrucialtotheirfuturesuccess,indicatinggrowingrelianceonAIasastrategicbusinesslever.

>AIchallengesarereceding,with50percentfewerrespondentsreportingalackofAIbudgetandsignificantlyfewercompaniesreportingAIdataissues.

60

50

40

30

20

10

0

52%

40%

respondentscurrentlyusinggenerativeAI

2024

2023

Leadingonlinepaymentplatform

PayPalturnedtoaccelerated

computingformoreefficientdataprocessingandanalyticsworkloads,updatingitsAIinfrastructureto

achieveareductionofup

to70%in

cloudcostsand35%inruntime

.

StateofAIinFinancialServices:2025Trends|SurveyReport|3

lndustrylnsightsandFutureOutIook

The2025outlookrevealsabroadeningofAI’sroleintrading,banking,payments,

andfintech,fromimprovingoperationalefficienciestoenablingnewbusiness

modelsandrevenuestreams.Financialinstitutionsarenotonlyfocusingon

enhancingcustomerexperiencesandcybersecuritybutarealsoincreasingly

committedtosustainablepractices,asevidencedbysubstantialgrowthinAI-drivenenvironmental,social,andgovernance(ESG)andsustainablefinanceinitiatives.

AnaIysisofthisyear’ssurveyresuItshighIightfourimportantfindings:

>MaturationofAIusecases:Whilefirmscontinuetoexpandthenumberof

generativeAIusecasesunderevaluation,thepenetrationratesforafewkeyusecasesindicatesmaturationinexplorationanduseofAI.

>PredominanceofdataanaIyticsandgenerativeAl:Dataanalyticsremainsthetopworkload,withgenerativeAIshowingsignificantgrowth,becomingthe

second-mostutilizedworkload.

>TransformationaIimpactofAl:AsignificantportionofrespondentsviewAI

andgenerativeAIastransformational,withincreasedintegrationacrossvariousbusinessfunctions.

>DiversificationofAlbenefits:Morethanone-thirdofrespondentscited

operationalefficienciesasatopbenefitofAI,whilecompetitiveadvantageandnewbusinessopportunitieswerealsorecognizedaskeybenefits.

AstheindustryembracesAI,itmustalsonavigateenergy-efficientcomputingandthedevelopmentoftrustworthyAItounlockitspotentialinanethicalandsustainablemanner.

AlUseMaturestoDepIoymentofStrategicUseCases

Overthepast12months,financialservicescompanieshavebeenconsolidating

theirAIeffortsaroundseveralcoreapplications.ThisindicatesashiftfromAI

explorationtoafocusonsuccessfuldeploymentofhigh-value,strategicusecases.

DataanalyticsremainsthepredominantAIworkload,withcompaniesleveragingthis

technologytoharnessvastamountsofdatatobetterdetectfraud,personalizeservices,predictmarkettrends,andmanageinvestmentrisk.Withthemostsubstantialyear-

over-year(YoY)growth,generativeAIemergedasthesecond-mostpopularworkload,withover50percentofrespondentsusingorassessingthetechnology.

WhatAlandmachineIearningworkIoadsisyourcompanyusingorassessing(seIectaIIthatappIy)?

60

50

40

30

20

10

0

56%57%52%

34%32%

40%47%41%39%

N/A

ConversationalAI

DataanalyticsGenerativeAIPredictiveanalyticsLargelanguage

models(LLMs)

2023

2024

StateofAIinFinancialServices:2025Trends|SurveyReport|4

StateofAIinFinancialServices:2025Trends|SurveyReport|5

Anotable41percentofmanagement-levelrespondentsnowrecognizeAIand

generativeAIastransformationalforceswithintheirorganizations.Financial

institutionsareintegratingAIacrossbusinessfunctions,withsignificantupticksinAIuseforriskandcompliance,marketing,sales,cybersecurity,andoperations.

ThebenefitsAIisbringingtobusinessoperationsarediversifying.Whilefewer

companiesarecitingoperationalefficiencies,downslightlyfromlastyear,other

areassuchasemployeeproductivityandnewbusinessopportunitiesareseeing

substantialgains.ThisdiversificationsignalsashiftinAI’srole,evolvingfromatoolforefficiencytoacatalystforcomprehensivebusinesstransformation.

HowhasAIimprovedyourbusinessoperations(selectuptotwo)?

37%

Createdoperationalefficiencies

22%

Yieldedmore

accuratemodels

32%

Createdcompetitiveadvantage

22%

Improvedemployeeproductivity

26%

Improvedcustomerexperience

21%

Openednewbusinessopportunities

Ofmorethan20usecases,cybersecurityexperiencedthehighestYoYgrowth,

withmorethanone-thirdofrespondentsnowassessingorinvestinginAIfor

cybersecurity.ThenumberofrespondentsexpectingtouseAItoaddressspear

phishingattacksmorethandoubled,jumpingfrom7percentto17percent,

signalingashiftinthecyberthreatlandscape.Similarly,theuseofAItoconfrontsupplychainattacksandDistributedDenialofService(DDoS)incidentsincreased,indicatingaheightenedawarenessandproactivestanceagainstthesethreats.

Whatcybersecuritychallengesare(orwillbe)addressedbyAIwithinyourorganization(selectthetop2)?

34%

Fraud

detection

18%

Zerotrust

25%

Credentialandidentityattacks

17%

SpearPhishingattacks

24%

Ransomwareandmalware

16%

Supplychainattacks

14%

DistributedDenial

ofService(DDoS)

Overall,companiesarepinningdownandimplementingtheirmoststrategicAIusecasesandusingAItobecomemoreresilientinthefaceofevolvingchallenges.

StateofAIinFinancialServices:2025Trends|SurveyReport|6

GenerativeAIIsDrivingIndustryTransformation

Continuingenthusiasmfromlastyear,generativeAIworkloadssawthe

biggestYoYgrowthandnowranksasthesecond-mostutilizedworkload

afterdataanalytics.HalfofmanagementrespondentsindicatedthattheirfirstgenerativeAIserviceorapplicationhadalreadybeendeployed,withanadditional28percentplanningdeploymentwithinthenextsixmonths.

PerNVIDIA’sexperts,techniqueslikedomain-adaptivepretraining,

fine-tuning,andretrieval-augmentedgeneration(RAG)arenowbeing

leveragedincombinationwithopen-sourcefoundationmodelstocreateaflywheelforgenerativeAIdevelopment,whichincreasesaccuracywhileprotectingenterpriseinformation.

There’sbeenasignificantriseintheuseandassessmentofgenerativeAIapplications,particularlyforAIagentsdesignedtoenhancetheefficiencyandaccuracyoftaskswithautomationanddataretrieval.

TopGenerativeAIUseCases

WhatusecasesisyourcompanyusingorassessingforgenerativeAI/LLMs(selectalltheapply)?

Customerexperienceandengagement(includingchatbots, virtualassistants,agentassist)

Reportgeneration,synthesis,andinvestmentresearch

Documentprocessing

(e.g.analysisofdocumentsforinvestment)

Syntheticdatageneration

Codeassistandsoftwaregeneration

Creatingmarketingandsales

assets(adcopy,emailcopy,

andcontentgeneration)

Enterprisesearch

(e.g.,searchingthroughinternaldocuments,policies)

Complianceandcustomeronboarding(KnowYourCustomeranddocumentprocessing)

Tradingandportfoliooptimization

Pricing,riskmanagement,andunderwriting

25%

60%

27%

53%

N/A

53%

25%

46%

N/A

44%

24%

43%

15%

43%

20%

38%

38%

15%

32%

13%

0102030405060

2023

2024

StateofAIinFinancialServices:2025Trends|SurveyReport|7

CustomerexperienceandreportgenerationwerereportedasthemostcommonusecasesforgenerativeAI,withthepercentageofrespondentschoosing

customerexperiencedoublingYoY.Giventheiravailability,costefficiency,andscalability,theriseinpopularityofAIagentsforcustomerexperiencesislikelytocontinue.Atthesametime,digitalavataranddigitalhumantechnology

continuestoimproveandisbecomingeasiertodeploy.

NVIDIABlueprints

bringtogethernearly20AImodelsinasimplifiedAPIthatenablesorganizationstodeploydigitalassistanttechnologytrainedonproprietarydata.

GenerativeAIagentsfordocumentprocessingweremeasuredforthefirst

timein2024andreached53percentadoption.Thegenerationofsynthetic

data,particularlyusefulforfinancialservicescompaniestotestmodelsand

strategieswithoutcompromisingsensitiveinformation,rosefrom25percent

to46percent.Financialservicesorganizationsareusingsyntheticdatatotrainfrauddetectionandidentityverificationmodelstorecognizenewthreatvectorsandfraudpatterns.Theuseofcodeassistanceandsoftwaregenerationagentswasrecordedat44%inthisfirstyearofmeasurement,demonstratinghow

quicklynewusecasescancatchonwhentechnologycandeliveraclearROI,eitherbyremovinginefficienciesorgeneratingnewrevenuestreams.

AmongdeployedgenerativeAIusecases,25percentofrespondentsreportedthehighestreturnoninvestmentfromAI-basedtradingandportfolio

optimization.Another21percentreportedthebestROIforcustomer

experienceandengagement,while11percentreportedthebestROIforbothreportgenerationanddocumentprocessing.

WhatarethetopgenerativeAIusecasesbyROI?

Halfofmanagement

respondentsindicatedthattheirfirstgenerativeAI

serviceorapplicationhad

alreadybeendeployed,

withanadditional28percentplanningdeploymentwithinthenextsixmonths.

25%

Tradingandportfoliooptimization

21%

Customerexperienceandengagement

11%

Document

processing

11%

Report

generation

NVIDIABlueprintsare

pre-defined,customizableAIworkflowsdesigned

toassistdevelopersin

creatinganddeploying

generativeAIapplications.

Learnmoreabout

NVIDIABlueprintsat

/blueprints

BuildanAIVirtualAssistant

Intelligentvirtualassistant

infinancialservicesredefine

customerexperienceby

deliveringmoreaccurate,

personalized,andsophisticatedresponsesthantraditional

chatbotsolutions.

MultimodalPDFData

ExtractionforFinancialDocumentProcessing

IntelligentdocumentprocessingwithgenerativeAIletsfinancialinstitutionsgatherinsights

fromunstructureddata,

enablingfasterdecision-makingandreducingtherisk

offinanciallosses.

StateofAIinFinancialServices:2025Trends|SurveyReport|8

AIIsDrivingBusinessResultsforFinancialFirms

Theprimaryobjectiveforindustryleadersistoincreaserevenuesandreduce

costswithAI.Almostallsurveyrespondentsbelievethatthere’sROIforAI,withmanagementparticularlyoptimistic.Morethan80percentofmanagement-levelrespondentspredicteda2xormorereturnonAIinvestments,indicatinggrowingconfidenceinAIandarealizationofAI’sfinancialbenefits.

AIcontinuestohelpincreaserevenueandreducecosts.Nearly70percent

ofrespondentssaidthatAIincreasedrevenueby5percentormore,with76percentofmanagersreportingsuchgains.Therewasadramaticriseinthosereportinga10–20percentrevenueincrease,from0percentin2023to16

percentin2024.Additionally,morethan60percentofrespondentssaidthatAIhelpedreduceannualcostsby5percentormore.

HowmuchhasAIincreasedyourrevenue?

Respondents29%16%23%

Revenue

increase

5–10%10–20%More

than20%

HowmuchhasAIreducedyourannualcosts?

Respondents35%17%12%

Reduced

annual

5–10%

More

than20%

10–20%

costs

TheseresultsunderscorethesignificantimpactAIishavingonbusiness

”Acceleratedcomputingis

revolutionizingfinancialservicesbyenablingfaster,personalizedcustomerexperiencesdrivenbybigdatainsights.”

RutgervanFaassen,FintechInfluencer,

FounderandCEO

ofInformationbanker

performance,demonstratingitspotentialtodrivebothtop-linegrowthandbottom-linesavings.

AIInvestmentContinuesUnabated

FortypercentmorecompaniesreportedincreasedAIinfrastructurespendingcomparedwiththepreviousyear,and98percentofmanagementsaidthey’llfurtherincreaseAIinfrastructurespendingin2025.

ThisinvestmentinAIinfrastructuresuggeststhatcompaniesaretakingstepstobuildAIfactorieswithfull-stackacceleratedcomputingtosupportthe

shiftfromAIexplorationtodeploymentandaccelerateAIadoptionacrosstheorganization.InfrastructureinvestmentinAIfactoriesisalsopositioningcompaniestotakeadvantageofagenticAI—systemsthatleveragevast

amountsofdatafromvarioussourcesandusesophisticatedreasoningtoautonomouslysolvecomplex,multi-stepproblems.ThereareamultitudeofpotentialagenticAIapplicationsforbanksandinvestmentfirms,includingchatbotsthatofferpersonalizedfinancialplanningadvice,automatedriskassessmentagents,real-timefrauddetection,andmore.

StateofAIinFinancialServices:2025Trends|SurveyReport|9

HowdoyouplantoinvestinAItechnologiesoverthenext12months(selectuptotwo)?

50

40

30

20

10

0

31%34%31%32%42%32%19%27%30%26%20%25%

Identify

additionalAIusecases

Spendmoreoninfrastructure

ProvideAItrainingtostaff

OptimizeAIworkflows

HiremoreAIexperts

Engagethird-partypartnersto

accelerateAIadoption

2024

2023

TalentacquisitionemergedasakeyareaofAIinvestment,witha

42percentYoYincreaseinspendingtohiremoreAIexperts.Meanwhile,

“Acceleratedcomputingenablesfinancialservicestoachieve

higheroperationalmarginsinkeyareassuchasfraud

detectionandcompliance,whileenhancingdecision-

makinginriskmanagement,creditanalysis,andportfoliomanagement.”

EfiPylarinou,

FintechInfluencer

aquarterofrespondentssaidthey’llprovideAItrainingtotheircurrentstaff.Infrastructureandtalentacquisitionspendingareprovingtocomplementoneanother,ashighlytrainedAIexpertsareseekingworkenvironmentswiththemostadvancedtoolsoftheirtrade.Thisisawin-winforfirmsinvestinginAIfactoriesbuiltwithacceleratedcomputing,asdatascientistscantrainand

deploymoresophisticated,accuratemodelsfaster.

OtherareasofAIspendingincludeengagingthird-partypartnersto

accelerateAIadoption,optimizingAIworkflows,andidentifyingadditionalusecases.However,there’sbeena23percentdeclineineffortstoidentifynew

AIusecases,indicatingapotentialshiftfromexplorationtodeploymentorasaturationofthemostpromisingapplications.

IntermsoftopAIusecasesbyassessmentorinvestment,customerexperienceandengagementremainapriority,althoughreportedinvestmentdecreased

slightly.CybersecuritysawthemostsubstantialYoYincreaseat36percent,reflectinggrowingconcernsoverdigitalthreats.Documentprocessing,

algorithmictrading,andriskmanagementalsoremainimportantusecases.

WhatAIusecasesareyouassessingorinvestingin?

50

40

30

20

10

0

36%31%

34%

33%

31%

42%38%36%

29%

N/A

CybersecurityDocument

processing

Algorithmictrading

Risk

management

Customerexperienceandengagement

2023

2024

StateofAIinFinancialServices:2025Trends|SurveyReport|10

IntherealmofESGandsustainablefinance,there’sbeenanotabletransitionfrompilotsystemstoproductioncapabilities,withthenumberofcompaniesachievingproductioncapabilitiesmorethandoubling.ThisshifthighlightsthegrowingmaturityandintegrationofAIinsustainablefinanceinitiatives.

DoyouhaveAIandmachinelearninginitiativesforESGandsustainablefinanceinproduction?

yes

13%

32%

010203040

2023

2024

Finally,there’samarkedincreaseinthecommitmenttotrustworthy,safe,

andexplainableAI.Thepercentageofcompanieslaunchingpilotsystemsfor

AI/MLgovernanceframeworksrosefrom21percentto36percent.Withstringentregulationsandthesensitivenatureoffinancialdata,financeorganizationsare

prioritizingthedevelopmentofreliableAIalignedwithethicalandlegalstandards.

AIChallengesontheDecline

Thisyear’ssurveydatashowsthatmanyoftheAIchallengescompanies

facedinpreviousyearshaveplateauedordecreased,suggestingashiftfromassessmentandtestingphasestosuccessfuldeployment.

Comparedtolastyear,fewercompaniesreportedissuesassociatedwiththe

earlystagesofAIassessmentandexploration.Fewercompaniesreporteddataissuesandprivacyconcerns,insufficientdataformodeltraining,difficulty

recruiting,andinsufficientbudget.

50

40

30

20

10

0

49%

49%

35%

33%

31%

31%

23%

15%

Dataissuesandprivacyconcerns

Insufficientdatasizesformodeltraining

Lackof

AIbudget

Difficultiesin

recruitingand

2023

2024

retainingAIexpertsanddatascientists

StateofAIinFinancialServices:2025Trends|SurveyReport|11

TheseimprovementsreflectthematuringAIlandscapewherecompaniesarebecomingmoreadeptatmanagingthefoundationalchallengesof

AIimplementation.

Ofcourse,notallchallengeshavebeenovercome.Ascompaniesadvancein

theirAIjourneyandleveragemorecomputingpower,newenergyconcernsarise.

Whatareasofenergy-efficientcomputingdoesyourcompanyfindmostchallenging(selectuptotwo)?

Managingthecost oftransitioningtoenergy-efficientsolutions

Measuringandtrackingenergyconsumptiononaper-workloadbasis

Deployingthelatestenergy-efficientsoftwareandeducatingnewusers

Stayingupdatedonthelatestefficientsoftwareintegrations

33%

29%

29%

28%

0102030405060

Toaddressenergychallenges,companiesaretakingproactivemeasuressuchasoptimizingsoftwaretoreduceruntimeonserversanddatacenters,utilizingcloudserviceswithimprovedpowerusageeffectiveness(PUE),andmigratingtomoreenergy-efficienthardwaresuchasGPUs.

TheSTAC-A2benchmarkis

designedbyquantsand

technologiststomeasurethe

performance,scalability,qualityandresourceefficiencyoftechnology

stacksrunningmarket-riskanalysisforderivatives.

WhentestingtheSTAC-A2optionspricingbenchmark,NVIDIAGPUsperformed16xfasterand3xmoreenergyefficientlythanaCPU-onlysystemforthesameworkload.

LookingForward:AIOpportunitiesandExpectations

AsfinancialservicesorganizationsnavigatetheAI-poweredlandscape,

theroleofartificialintelligenceinshapingbusinessstrategiesandoperationscontinuestoexpand.Banks,assetmanagers,paymentsfirms,andinsurers

arebuildinghundredsofAI-enabledapplicationsforusecasesrangingfromimprovingidentityverificationforanti-moneylaunderingandKnowYour

Customer(AML/KYC)initiatives,reducingfalsepositivesfortransactionfraud,generatingnewtradingstrategiestoimprovemarketreturns,