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2026 State of AI in BFSI. From Pilot to Agentic CX

Stuck in Pilot?

Based on research with 200 BFSI decision-makers across Europe, this report reveals where contact center AI initiatives take a hit and what production-ready deployment requires across channels, core systems, and regulated workflows.

AI adoption is widespread. Production scale is lagging.

Rising cost-to-serve, compliance demands and customer expectations are putting pressure on BFSI contact centers. Few organizations have connected AI across the systems, workflows and controls required for reliable live service.

41%

remain in isolated AI pilots, with nothing in full production.

4%

operate a fully agentic, integrated AI service model

43%

cite legacy system integration complexity as the main scaling barrier

62%

rank real-time integration with core banking, CRM or policy systems as the top agentic AI capability

What does it take to move from pilot to production?

Download the report to:

  • Benchmark AI maturity across banking, insurance and financial services.
  • See which customer service use cases BFSI organizations plan to automate next, and where experts recommend starting.
  • Learn the five principles of production-ready AI: accuracy, integration, governance, auditability, and performance measurement.
  • Find your next step based on where you stand today, and where AI can create value beyond cost savings.

 

Featuring insights from:

  • Sarah Topping, Principal Lead, Agentic CX, Ciklum
  • Henry Vaage Iversen, CCO & Co-Founder, boost.ai

 

Expert Perspective

“Real-time integration is the difference between an AI that can answer a question and an AI that can resolve a question.”

Sarah Topping, Ciklum