Whitepapers

Why ROI is lagging in banking

Why ROI is lagging in banking 

Access the Gartner report on how banking leaders must overcome AI implementation hurdles to convert AI potential into profits — provided by Avenga. 

Gartner, Why AI ROI Is Lagging in Banking and What CIOs Must Do to Maximize Value, by Jasleen Kaur Sindhu, 29 October 2025.

GARTNER is a trademark of Gartner, Inc. and/or its affiliates. 
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Avenga turns AI potential into bottom-line ROI in banking

We think Avenga’s AI services address the core challenges identified in the Gartner research, helping banking and financial institutions transition from experimental PoCs to scaling agents across business domains. 

We build custom agents tailored to your specific BFS needs, including account management, payments, lending, mortgages, and wealth.

Specialized agents - Avenga

By mirroring the expert care of an in-branch visit with the speed of 24/7 digital access, we ensure every interaction feels personal. 

High touch service - Avenga

Our agents go beyond answering questions; they understand intent and execute transactions in real time.

Intent driven execution - Avenga

Our framework uses retrieval-augmented generation (RAG) and multi-agent systems to enable real-time decision-making.

Multi agent orchestration - Avenga

Solutions handle thousands of simultaneous interactions, ensuring your bank remains agile as you scale across business domains. 

Scalability without friction - Avenga

Deploy across cloud or hybrid environments with native integrations that respect your existing IT ecosystem. 

Cloud agnostic flexibility - Avenga

Our systems feature built-in escalation to human agents for complex cases, ensuring full trust.

Human in the loop - Avenga

Built with compliance in mind, our architecture ensures secure monitoring and audit trails for sensitive financial data. 

Regulatory focus - Avenga

Proven impact in BFS 

86% 

Slashing review cycles by 86% with automated detection systems 

250+ 

Data and AI specialists dedicated to your AI excellence

200+ 

Serving 200+ BFS clients with 0 data breaches on our watch 

1,500+

BFS experts supporting 500+ delivered projects

  • reiffeisen - Avenga
  • uni credit - Avenga
  • vodafone - Avenga
  • IQVIA - Avenga
  • OLO - Avenga
  • radium capital - Avenga
  • schwa medico - Avenga
  • Centropol logo2 - Avenga
  • CEZ logo - Avenga
  • generali logo - Avenga
  • Fidelity logo - Avenga

FAQ

Security is not an afterthought; it is built into every layer of our architecture to meet the stringent demands of the BFS sector. Our solutions are fully compliant with global regulatory standards and incorporate robust encryption, comprehensive audit trails, and secure monitoring. We take pride in a proven track record of zero data breaches across more than 500 delivered BFS projects, ensuring your institution’s and your customers’ sensitive data remains protected. For sensitive mobile actions, we also support biometric re-authentication directly within the application.

Yes. Our cloud-agnostic architecture is designed for maximum flexibility, enabling native integrations and deployment across cloud, on-premises, or hybrid environments without disrupting your current operations. To ensure a seamless customer experience, our Mobile SDK allows you to integrate a lightweight in-app chat featuring rich UI elements, bringing “in-branch” personalized service directly into your digital platforms.

We believe that human-AI collaboration is the key to success, not replacement. Human escalation is a core feature of our framework, ensuring that AI handles the analytical rigor while human staff intervene in high-trust areas like relationship management, compliance, and ethical reasoning. Your team can continuously monitor AI performance and use built-in analytics to refine agent behavior and ensure alignment with your bank’s specific goals.

As many banks are stuck in “defend mode,” achieving only marginal gains by bolting AI onto legacy workflows. Our approach focuses on reinventing the banking process itself with AI at the core. By targeting high-impact domains — such as automated fraud detection, which we have used to slash review cycles by 86% — we help your organization move beyond incremental efficiency toward transformative business value and measurable financial returns.

Absolutely. Our scalable architecture is engineered to handle thousands of customer interactions simultaneously without draining additional resources or compromising response times. This ensures your bank can maintain a high-touch, 24/7 service level even during peak demand, allowing you to scale agents across multiple business domains effectively.