Trends in banking technology are reshaping the industry landscape, as banks move toward a future where they can anticipate your needs before you even voice them. Imagine a world where decisions are made in milliseconds, fraud is neutralised before it takes shape, and financial insights rival the foresight of a chess grandmaster plotting twenty moves ahead.

This isn’t science fiction; it’s the future of banking in 2025: a future where technology orchestrates innovation, empowers decision-making, and safeguards finances, sensitive customer data, and institutional trust.

In this article, we explore three transformative forces driving the banking sector: Generative AI (GenAI), Agentic AI, and Quantum Finance. Together, they promise to redefine how banks operate, compete, and deliver value.

But transformation is rarely smooth. In 2024, many organisations flirted with AI, yielding mixed results. The potential was undeniable, but the complexities of implementation tempered expectations. As we step into 2025, the narrative is evolving. This year heralds a new era of pragmatic AI strategies, anchored in actionable use cases and targeted innovation.

Generative AI (GenAI)

GenAI is a type of AI that learns from vast amounts of data, recognising patterns and creating entirely new content from them. Think of it as a highly intelligent assistant that doesn’t just automate tasks, but can also generate solutions, insights, and even predictions—transforming raw data into actionable outcomes.

While its impact has already been felt in marketing, 2025 will see GenAI mature from a hot trend to a powerhouse driving measurable efficiency, growth, and innovation in the banking sector.

The groundwork laid by 2024’s experimentation with GenAI is now setting the stage for a focused, results-oriented adoption in banking. As 2025 approaches, the stakes are higher, and banking executives are taking notice. According to the 2025 Gartner CIO and Technology Executive Survey, 90% of banking leaders rank GenAI as the top priority for increased investment.

Here’s how GenAI is already proving its worth:

• Hyper-Personalised Experiences: Imagine logging into your banking app and seeing offers so finely tuned to your needs that it feels like the bank knows you better than you know yourself. Whether it’s a custom savings plan or a targeted insurance recommendation, GenAI ensures that the services offered are perfectly aligned with each customer’s life stage, preferences, and financial goals. 
• Streamlined Self-Service: Say goodbye to tedious loan approvals and endless data entry. GenAI is here to automate workflows, providing real-time status updates and simplifying processes. The result? A seamless, frictionless customer experience that keeps satisfaction levels soaring. 
• Effortless Compliance: Regulatory compliance has always been a pain point, but GenAI is transforming it into a breeze. By intelligently processing complex data, GenAI generates precise, real-time reports while flagging potential compliance risks before they become issues. Banks can now stay ahead of the regulatory curve while saving time and resources.

OCBC Bank is a great example in showcasing GenAI’s transformative potential. The Singapore-based bank deployed OCBC GPT, a chatbot powered by Microsoft’s Azure OpenAI, to its global workforce of 30,000 employees. The outcome? Participating staff reported completing tasks 50% faster, even after accounting for the time spent fact-checking the AI’s responses. And it doesn’t stop there—OCBC’s drag-and-drop document processing slashes the time to extract key information from 30 minutes to just one minute per document.

On the customer side, OCBC is pushing 250 million hyper-personalised insights and recommendations to its users annually, helping them save time, make smarter decisions, and better manage their finances. GenAI is also enhancing OCBC’s anti-money laundering efforts by quickly analysing customer profiles and transactions, identifying potential risks with pinpoint accuracy.

However, as powerful as GenAI is, it’s essential to approach its adoption with care. While the benefits are clear, there are also risks, especially when it comes to misuse. GenAI’s capabilities can be exploited by cybercriminals, who may use it to craft highly convincing phishing attacks. To combat this, banks must adopt robust security protocols, collaborate with cybersecurity experts, implement real-time monitoring of AI-generated content, and educate customers and employees on safe AI usage. By doing so, they can unlock the full potential of GenAI while protecting what matters most: their customers’ trust.

2024 was the year of testing the waters, but 2025 is the year of execution. Banks are no longer dipping their toes into GenAI; they’re diving in headfirst, harnessing its power to reshape the future of banking.

Agentic AI

Agentic AI takes AI to the next level. Unlike GenAI, which creates new content and insights from data, Agentic AI moves beyond generation into action. These AI agents are designed not just to assist but to autonomously make decisions, perform tasks, and deliver outcomes—operating as independent agents of change within workflows.

So, what are AI agents? Imagine having a tireless, hyper-intelligent colleague who doesn’t just flag issues but solves them before you even know they exist. AI agents continuously learn from internal and external data, adapt to new circumstances, and take proactive measures to address challenges, all without human intervention.

According to Deloitte, 25% of enterprises that are already leveraging GenAI are forecasted to deploy AI agents by 2025, with adoption expected to soar to 50% by 2027. These agents are poised to revolutionise banking workflows, transforming static processes into dynamic, outcome-driven systems.

Here’s how Agentic AI is set to reshape the industry:

• Customer Retention Strategies: Imagine a high-value customer nearing a financial hiccup—about to miss their mortgage payment due to a simple bank error. Traditional systems might notice the issue but require manual intervention to resolve it. Agentic AI takes the reins, proactively detecting the problem before the customer even realises it. It waives the late fees, adjusts the payment plan, and notifies the customer with a thoughtful message—autonomously turning potential frustration into renewed trust and loyalty. 
• Proactive Fraud Prevention: Picture this: a debit card shows a flurry of suspicious transactions across ATMs in distant countries. Conventional systems might flag the activity for review, leading to delays and potential losses. Agentic AI, however, doesn’t hesitate. It freezes the card instantly, contacts the customer with a tailored verification call, and compiles a detailed fraud analysis for the security team. Rather than merely detecting fraud, Agentic AI fights it head-on with precision and agility, closing the gap between threat and response. 
• Real-Time Risk Mitigation: In the case of an unexpected spike in interest rates rippling through global markets, legacy systems may crunch numbers in batches and react slowly, but Agentic AI springs into action. It evaluates exposure across borrowers in real time, dynamically adjusts credit limits, modifies lending terms, and sends clear, empathetic updates to impacted clients. 

Some banks are already leveraging this groundbreaking technology. For instance, a leading commercial bank in Asia has implemented an agentic AI platform that sifts through vast datasets to identify behavioral patterns and proactively generate high-quality leads without requiring human input. As a result, there is a significant growth in SMB lending and cross-sales, proving that Agentic AI is not just theoretical—it’s actionable and impactful.

The real power of Agentic AI lies in its ability to enable banks to work smarter, faster, and more autonomously. By adopting this technology, banks can transition from reactive problem-solving to proactive decision-making, transforming their operational models to achieve unmatched agility, precision, and customer satisfaction. 

Quantum Finance

Quantum finance applies the revolutionary principles of quantum computing to the banking sector, solving complex problems faster and more efficiently than traditional methods ever could. 

But what makes it so groundbreaking? To understand, imagine how computers solve problems. Traditional systems approach challenges step-by-step, like flipping one coin at a time to check all possible outcomes. Quantum computing, on the other hand, flips thousands of coins simultaneously, instantly revealing every possible result. This leap in processing power is the foundation of quantum finance.

This isn’t just about speed—it’s about unlocking solutions to problems that traditional computing finds nearly impossible to crack. From managing the risks of global portfolios to predicting rare, high-impact market events, quantum finance excels in areas of immense complexity. As data grows exponentially and market volatility continues to challenge financial institutions, quantum computing offers a way to process vast datasets and uncover actionable insights at lightning speed.

The financial industry is taking notice, with global spending on quantum computing capabilities expected to grow 233 times, skyrocketing from just US$80 million in 2022 to US$19 billion by 2032, reflecting an astonishing 10-year CAGR of 72%. 

In 2025, quantum finance will begin its shift from theoretical exploration to practical implementation, giving early adopters a significant competitive edge. Let’s explore some transformative applications already making waves:

• Fraud Detection: Traditional fraud detection systems scan transactions for anomalies, but quantum algorithms can analyse millions of patterns simultaneously, identifying potential threats faster and more accurately. This means earlier fraud detection and reduced financial losses. 
• Real-Time Credit Risk Analysis: Evaluating the creditworthiness of multinational corporations or individuals traditionally takes time. With quantum finance, banks can dynamically assess risks, adapting to market changes in real time and offering a critical advantage in decision-making. 
• Portfolio Optimisation: Institutional clients demand precise, responsive investment strategies. Quantum finance enables banks to analyse thousands of assets under shifting market conditions and optimize portfolios almost instantly, balancing risk and return like never before.

Some industry leaders are already implementing quantum computing in their operations. HSBC has pioneered quantum protection for AI-powered foreign exchange trading, showcasing the potential of blending quantum and AI. Meanwhile, Wells Fargo is exploring quantum use cases like fraud detection and portfolio optimisation through their quantum simulator, Spinoza™. 

Quantum finance is arriving faster than many anticipated, marking 2025 as the year this disruptive technology begins reshaping the banking sector. 

Navigating the Future of Banking Technology with Confidence

As banks navigate the rapidly evolving trends in banking technology, the journey toward adopting transformative solutions like GenAI, Agentic AI, and Quantum Finance doesn’t have to involve reinventing the wheel—it calls for smart, strategic execution. These cutting-edge technologies hold the promise to revolutionise operations, customer experiences, and financial outcomes, but their adoption does come with its share of complexities.

The key to success lies in collaboration. By partnering with experienced technology providers who have already navigated these complexities, banks can streamline the adoption process and unlock the full potential of these innovations. Such partnerships enable banks to bypass trial-and-error approaches, ensuring seamless implementation and faster, more measurable outcomes.

To fully leverage these trends, banks must craft pragmatic strategies anchored in clear use cases, robust financial models, and tangible ROI. Success won’t just come from adopting cutting-edge tools but from aligning them with a bank’s long-term goals and operational strengths.

In 2025, the leaders in banking will be those who not only embrace these trends in banking technology but also pair them with strategic foresight and trusted collaboration. The future of finance is being shaped today, and the opportunity to lead that transformation is within reach for those ready to seize it.

About JurisTech

JurisTech is a cloud-native, global-leading company specialising in enterprise-class lending and recovery software solutions for banks, financial institutions, telecommunications, and automobile companies worldwide. We embrace a microservices architecture to ensure scalability and flexibility in our solutions.

We power economies by reimagining financial services with cutting-edge software solutions, leveraging composable architecture and generative AI. Our offerings include artificial intelligence (AI), auto-decisioning, digital customer onboarding, loan origination, credit scoring, loan documentation, litigation, and debt collection. Our solutions have enabled businesses across a broad array of industries to undergo digital transformation, providing enhanced customer experiences and, most importantly, achieving their business goals.

JurisTech has been mentioned as a Representative Provider for Lending Ecosystems, as a Representative Vendor for Commercial Loan Origination Solutions, and as a Sample Vendor for Commercial Banking Onboarding across Gartner reports in 2024.