Benchmark Your Bank’s Innovation and Technology Roadmap for 2030s
Now in its 16th edition, the Innovation in Retail Banking Report, developed collaboratively by Infosys Finacle, Qorus, and Jim Marous has become a trusted benchmark for banks worldwide to assess their innovation and digital transformation progress. Over the years, the report has helped banks track how effectively they are reimagining products, scaling capabilities, and converting digital transformation investments into measurable business impact.
This year’s insights are drawn from a survey of 170+ senior banking executives, 10+ in-depth CXO interviews, and 40+ global case studies. The focus is firmly on the 2030s—a decade that will be shaped by intensified competition, embedded banking models, AI at scale, and cloud-native thinking. The report offers data-led signals and perspectives to help your bank assess its product innovation and technology priorities, align investments with outcomes, and prepare for what the next decade will demand.
Crossing the Chasm: From Digital Transformation Deployment to Business Impact
17% claimed their digital transformation initiatives have scaled and meeting expectations in 2025 (up from 11% in 2024).
Reflect on how far your transformation efforts have progressed and whether they are evolving in step with a rapidly shifting digital landscape.
- Contextualize your transformation journey: Understand how banks at different stages are progressing from deployment toward measurable business outcomes.
- Identify areas of emerging impact: See where results are beginning to materialize and where expectations may need to be recalibrated.
- Reframe what success means today: Explore how advances across the digital continuum are continuously moving the goalposts for transformation effectiveness
Product innovation: Shaping Banking for 2030s
68.30% believe embedded banking partnerships will generate at least 25% revenue for the universal banking franchise by 2030.
Explore how banks are rethinking core products and services as customer expectations, competitive dynamics, and ecosystems reshape the basis of differentiation in the decade ahead.
- Benchmark innovation across products: Understand how peers are progressing across deposits, lending, payments, wealth management, and embedded banking models.
- Anticipate what 2030 may demand: Gain perspective on how product propositions are likely to evolve as real-time, personalized, and embedded experiences become the norm.
- Clarify priorities and constraints: Identify the innovation themes gaining traction and the challenges banks must address to move from experimentation to scaled impact.
Technology Adoption: Building the Next-Gen Bank
65.5% believe generative and agentic AI will handle more than 80% of customer interactions and internal knowledge tasks under human oversight by 2030.
Assess how well your technology foundations are keeping pace with evolving AI themes, business models, and where deeper modernization may be required to support the bank of the 2030s.
- Understand the 2030 technology baseline: Explore how banks are thinking about AI and future-ready technology foundations and what “good” increasingly looks like.
- Assess modernization depth: Gain perspective on progress across modern architectural principles, AI readiness, cloud-native adoption, and API maturity.
- Identify structural enablers and constraints: Understand what is accelerating technology innovation today, and what continues to limit scale, speed, and value realization.
Access the Full Report and Benchmark Today
Discover the complete findings of the 16th edition of the Innovation in Retail Banking Report to assess and shape your bank’s product innovation and technology maturity. Leverage the data, benchmarks, and expert insights to shape your bank’s strategic priorities and decisions for the 2030s.
By downloading, you agree that your information may be shared with the report collaborators—Infosys Finacle, Qorus, and Digital Banking Report.
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