Lead the curve: Make banking disruption a competitive advantage
From customer demand for connected experiences to an elevated risk environment, banking leaders are seizing the moment to AI-enable the enterprise
Find your competitive advantage and lead the curve
Welcome to The Opportunity Curve
In the face of customer demand for AI-centric, personalized experiences, some banks are waylaid by related risks from cybersecurity to data privacy to fraud prevention. The reality is, despite the risks, AI presents a rare opportunity to get ahead of the competition. This critical juncture is when uncertainty is transformed into momentum, allowing banks to meet customers where they are.
We call it The Opportunity Curve—a strategic lens through which we view the market to help banks convert disruption into sustainable advantage. The 2025 Banking Survey: Technology report is your essential guide to learning how your competitors are navigating disruption in today’s ever-fluid business environment.
This year’s survey reveals:
These aren’t just statistics, they’re signals—that the future of banking belongs to those who act boldly, modernize intelligently, and lead with innovation.
Discover how your peers are investing, where the risks lie, and how to turn today’s uncertainty into tomorrow’s advantage.
Source: KPMG 2025 Banking Technology Survey report
2025 Banking Survey: Technology
Real-world results
Disruption doesn’t happen to industries—it happens within them. Across the Banking sector, KPMG helps leaders navigate The Opportunity Curve and push through risk and uncertainty to develop sector-specific strategies designed to transform disruption into opportunity.
Helping a major bank succeed in the digital era
A large US bank had a new credit card offering built on AWS that needed to seamlessly handle large transaction volumes on day one. KPMG helped implement resilient, scalable approaches that would withstand the stresses of a major consumer launch. As a result, the bank received $1B in savings deposits within days of launch, was able to process more than 1M transactions per minute, had a 99%+ increase in platform uptime, issued $10B in credit in the first month, onboarded 3M new users in six months, and projected $8M in annual licensing savings.
Discover how KPMG can help you create a competitive advantage
KPMG professionals apply advanced technologies and data-driven analysis to help institutions across the banking sector make sense of a multitude of market and industry signals to help them adapt and thrive in the new era of banking.
- Digital banking transformation
- Payment platform modernization
- Risk and compliance
- Managed services
- Mergers and acquisitions
- Advisory services
- Audit and tax
Work with a recognized AI leader
KPMG has long been recognized as a leader in AI, with significant recognition highlighting our commitment to delivering high-quality, innovative AI solutions that drive business value.
Recent accolades include:
- #1 for Quality of AI Advice and Implementation (Source)
- Market Leader in Generative Enterprise Services (HFS Research)
- Services CSAT Award for Enterprise Intelligence Service (IDC)
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