The EBA's September 25, 2025 report 'Rising application of AI in EU banking and payments sector' is the official snapshot of AI use in EU banks: 92% of EU banks are deploying AI and 8% are piloting or discussing use cases. Dominant uses are client profiling and clustering, creditworthiness assessment and credit scoring, AML/CFT and fraud detection, risk modelling, customer support and internal-process optimisation. Among surveyed banks, 55% already use general-purpose AI or agentic AI in consumer-facing processes, most commonly for fraud alerts, call-centre assistance, self-service guidance and digital or voice assistants.
| Document | EBA report: Rising application of AI in EU banking and payments (Sep 2025) — Rising application of AI in EU banking and payments sector |
| Issued by | European Banking Authority |
| Type | Report |
| Status | Final |
| Published | Sep 25, 2025 |
| Applies to | EU credit institutions and payment institutions (monitoring report; no obligations) |
| Official source | eba.europa.eu ↗ |
| Use cases | Generative & agentic AI · Customer-facing chatbots · Credit scoring & underwriting · Fraud detection · AML / KYC · AI governance (general) |
What are the key points of EBA report: Rising application of AI in EU banking and payments (Sep 2025)?
- Published September 25, 2025 as part of the EBA's digital finance factsheet series.
- 92% of EU banks deploy AI in production; 8% are pilot testing or discussing use cases.
- Observed use cases: profiling/clustering of clients and transactions; creditworthiness assessment and credit scoring; AML/CFT and fraud detection including remote onboarding and real-time transaction monitoring; risk modelling; customer support including chatbots; internal-process optimisation such as document summarisation and code generation.
- 55% of surveyed banks use GPAI or agentic AI in consumer-facing processes — fraud notifications, agent assist, self-service automation, FAQ tools, and digital/voice assistants.
- Internal GPAI uses: coding, summarising documentation, drafting legal, support and marketing documents.
- Drivers cited: staff productivity, process optimisation and better customer interaction, balanced against risks the EBA continues to monitor with market participants, consumer organisations and supervisors.
What did EBA report: Rising application of AI in EU banking and payments (Sep 2025) change for banks?
The report replaced anecdote with official numbers for EU AI adoption and put general-purpose and agentic AI in consumer-facing banking on the supervisory record for the first time. For banks it signals which use cases supervisors will look at first — credit scoring (high-risk under the AI Act), fraud/AML, and customer-facing GPAI — and it underpins the EBA's 2026–27 supervisory-convergence work.
What share of EU banks use AI according to the EBA?
92% of EU banks are currently deploying AI and 8% are pilot testing or discussing use cases, per the EBA's September 25, 2025 report 'Rising application of AI in EU banking and payments sector'.
How many EU banks use generative or agentic AI with customers?
The EBA found 55% of surveyed banks already use general-purpose AI or agentic AI in consumer-facing processes, mainly for fraud alerts, assisting customer-service agents, self-service guidance and digital or voice assistants.
| Date | Document | Status |
|---|---|---|
| Jul 31, 2026 | ESA Statement on ICT risks from frontier AI models (JC 2026 25) — ESA Statement: Toward a consistent and risk-based approach for ICT risks from frontier AI models | In force |
| Nov 21, 2025 | EBA factsheet: AI Act implications for the EU banking and payments sector — AI Act: implications for the EU banking and payments sector | Final |
| Nov 21, 2025 | EBA Chair letter to the Commission on the AI Act mapping exercise (EBA/2025/D/5384) — Outcome of EBA's AI Act mapping exercise — letter to DG FISMA and DG CNECT | Final |
| Oct 1, 2025 | EBA Work Programme 2026 — EBA Work Programme 2026 — AI Act implementation and digital-finance priorities | In force |
| Aug 4, 2023 | EBA follow-up report on machine learning for IRB models (EBA/REP/2023/28) — Machine Learning for IRB Models — Follow-up report from the consultation on the Discussion paper on machine learning for IRB models | Final |
| Nov 11, 2021 | EBA discussion paper on machine learning for IRB models — Discussion Paper on machine learning for IRB models | Superseded |
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