Only 1 in 10 banks see AI returns despite $97b spend by 2027

Data fragmentation and governance uncertainty plague most AI adoptions.

Only 10% of financial institutions and insurers are seeing significant and measurable return on their artificial intelligence (AI) investments despite the billions they’ve sunk in AI.

Banking, financial services & insurance (BFSI) AI spend is expected to jump to $97b by 2027, from $35b in 2023, according to estimates by Dyna.Ai.

Amongst the biggest winners so far include Singapore’s DBS, which generated $565m from 350 AI use cases in 2024, and targeted $745m in 2025, according to a Dyna.Ai report released in February 2026.

"Most banks believe they are progressing with AI, yet research shows only 10% of the organizations using agentic AI are seeing significant, measurable ROI," said Tomas Skoumal, chairman and co-founder of Dyna.Ai.

Organizational challenges such as data fragmentation, governance uncertainty, and adoption friction plague most BFSI implementations in Southeast Asia, the Middle East, and Latin America.

Institutions that anchor AI to revenue outcomes and embed governance from day one are moving past experimentation into production-scale impact, Dyna.AI said.

“[Success] will not be determined by the most pilots, but by those that move fastest to production-scale deployment with accountability for measurable outcomes,” it said in a press release.