Singapore finance reaches 100% AI commitment

Finastra’s 2026 survey shows all major Singapore banks are deploying or piloting AI solutions.

Financial institutions in Singapore are amongst the most AI-ready and technologically advanced globally, according to Finastra’s Financial Services State of the Nation 2026 survey.

The survey found that a majority of Singapore institutions are actively deploying AI across key business functions, whilst others are piloting or researching AI.

No respondents reported having no plans to adopt AI. Finastra noted that these figures indicate a high level of AI adoption in the sector.

Most respondents, 71%, said their core technology infrastructure is ahead of peers with the survey finding that the same proportion rated their security and reliability capabilities above peer institutions.

Regarding customer experience, 69% of respondents reported that their personalisation and CX capabilities are ahead of peers whilst a further 83% said they plan to invest in customer experience initiatives, including real-time payments and 24/7 chatbots.

Cloud adoption is widespread with 55% host all or mostly in the cloud, 30% operate a hybrid environment, and 13% remain mostly on-premise.

When acquiring new technology capabilities, 55% develop internally, 32% use a blended approach with fintech partners, and 9% rely primarily on partnerships.

A high level of readiness was reported for technological and cultural change, with 84% of respondents saying their organisations are prepared, whilst 7% reported being unprepared.

The survey included senior leaders at financial institutions across 11 global markets.

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7 markets across Southeast Asia