# EBA report: Rising application of AI in EU banking and payments (Sep 2025): Rising application of AI in EU banking and payments sector

Source: https://www.bankingnewsai.com/ai-regulation/documents/eba-ai-adoption-report-2025
Last updated: Aug 26, 2026

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.

## At a glance

| Field | Value |
| --- | --- |
| Authority | [EBA](https://www.bankingnewsai.com/ai-regulation/eba) |
| Type | Report |
| Status | Final |
| Published | Sep 25, 2025 |
| Applies to | EU credit institutions and payment institutions (monitoring report; no obligations) |
| Official text | https://www.eba.europa.eu/sites/default/files/2025-09/146b3558-d026-47bf-a872-f05e93ed30d2/Rising%20application%20of%20AI%20in%20EU%20banking%20and%20payments%20sector.pdf |

## Key points

- 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 changed 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.

## Use cases it governs

- [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai)
- [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots)
- [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting)
- [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud)
- [AML / KYC](https://www.bankingnewsai.com/ai-regulation/by-use-case#aml-kyc)
- [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general)

## FAQ

### 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.

## Related documents

- [ESA Statement on ICT risks from frontier AI models (JC 2026 25)](https://www.bankingnewsai.com/ai-regulation/documents/esas-jc-2026-25-frontier-ai-statement) — ESA Statement: Toward a consistent and risk-based approach for ICT risks from frontier AI models (Jul 31, 2026)
- [EBA factsheet: AI Act implications for the EU banking and payments sector](https://www.bankingnewsai.com/ai-regulation/documents/eba-ai-act-factsheet-2025) — AI Act: implications for the EU banking and payments sector (Nov 21, 2025)
- [EBA Chair letter to the Commission on the AI Act mapping exercise (EBA/2025/D/5384)](https://www.bankingnewsai.com/ai-regulation/documents/eba-2025-d-5384-ai-act-mapping-letter) — Outcome of EBA's AI Act mapping exercise — letter to DG FISMA and DG CNECT (Nov 21, 2025)
- [EBA Work Programme 2026](https://www.bankingnewsai.com/ai-regulation/documents/eba-work-programme-2026) — EBA Work Programme 2026 — AI Act implementation and digital-finance priorities (Oct 1, 2025)
- [EBA follow-up report on machine learning for IRB models (EBA/REP/2023/28)](https://www.bankingnewsai.com/ai-regulation/documents/eba-rep-2023-28-ml-irb-follow-up) — Machine Learning for IRB Models — Follow-up report from the consultation on the Discussion paper on machine learning for IRB models (Aug 4, 2023)
- [EBA/GL/2022/15 (remote customer onboarding)](https://www.bankingnewsai.com/ai-regulation/documents/eba-gl-2022-15-remote-customer-onboarding) — EBA/GL/2022/15 Guidelines on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849 (Nov 22, 2022)
- [EBA discussion paper on machine learning for IRB models](https://www.bankingnewsai.com/ai-regulation/documents/eba-ml-irb-discussion-paper-2021) — Discussion Paper on machine learning for IRB models (Nov 11, 2021)
- [EBA Guidelines on loan origination and monitoring (EBA/GL/2020/06)](https://www.bankingnewsai.com/ai-regulation/documents/eba-gl-2020-06-loan-origination-monitoring) — Guidelines on loan origination and monitoring (May 29, 2020)

Last reviewed Aug 26, 2026. Cite the official text (https://www.eba.europa.eu/sites/default/files/2025-09/146b3558-d026-47bf-a872-f05e93ed30d2/Rising%20application%20of%20AI%20in%20EU%20banking%20and%20payments%20sector.pdf) for the rule and this page for the summary and dates.

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