Banks Race to Build AI-Human Teams as Adoption Explodes: Key nCino Survey Insights

A groundbreaking nCino survey shows 89% of U.S. banks expect AI agents to collaborate with humans in the workforce within five years.

The AI in Banking Benchmark, based on 150 senior banking leaders surveyed in early 2026, highlights surging enterprise AI use amid evolving roles.

Enterprise AI Takeover Accelerates

Over 84% of institutions now integrate AI across their entire operations.

Additionally, 91% have formalized AI strategies to guide this transformation.

Boosting Productivity, Reshaping Jobs

AI enables staff to focus on high-value customer interactions, per 91% of respondents.

84% confirm agentic AI has dramatically altered daily banking functions.

ROI Gaps and Data Hurdles Emerge

Despite enthusiasm, just 21% tie AI spending directly to revenue gains.

Data issues plague 93%, including siloed systems and poor quality that slow progress.

What This Means for Banking's Future

94% believe end-to-end AI platforms will deliver superior results.

For everyday people, hybrid teams promise quicker loans and personalized advice without long waits.

Yet, the low revenue links signal a risk of AI hype outpacing real profits, echoing past tech bubbles.

Smaller banks trailing big players could deepen service divides, urging regulators to watch closely.