87% of banks see automation's potential. Only 32% implement it successfully. New research exposes the execution gap, and the strategies that close it.
New research from American Banker and National Mortgage News reveals the hidden truth about banking automation: 95% of implementation barriers stem from organizational and strategic factors, not technology. Based on a survey of 253 financial services leaders including 153 banks and credit unions, this report exposes why 87% of institutions recognize automation's potential yet only 32% successfully move beyond pilots to enterprise-wide implementation. What the data reveals: • 95% of automation barriers are organizational, not technological • Only 32% of banks advance beyond pilot programs to full implementation • 87% of leaders recognize automation's transformative potential • 41% of institutions rely on fintech partnerships vs. 18% building internal capabilities creating strategic dependencies that limit long-term success • 67% of credit unions choose fintech partnerships despite relationship-focused models Discover what successful institutions do differently: • How leading banks turn integration complexity from a barrier into competitive advantage • Why 90-day proof-of-concept projects outperform comprehensive transformation attempts • The execution frameworks that separate automation leaders from pilot program laggards • Institution-specific strategies for enterprise banks, credit unions, and community banks The competitive window for automation leadership is narrowing. Institutions that bridge the execution gap now will establish compounding advantages while those that continue to struggle will spend the next decade playing catch-up. Download the full report: Banking Automation Reality—What the Data Reveals About Strategy vs. Technology
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