From experimentation to enterprise advantage
UK banks are investing in AI across customer service, back-office operations, financial crime, risk and fraud. Scaling those investments depends on the strength of the data foundation, the readiness of the operating model and the ability to embed AI into the workflows where decisions are made.
The roundtable brings banking leaders together for a practical discussion on modernising data estates, strengthening governance and moving high-value AI use cases into production without adding unnecessary complexity.
What banking leaders will explore
- Data as the foundation for AI transformation Creating trusted, contextualised, governed and AI-ready data foundations.
- Regulation as an accelerator Using regulatory requirements to strengthen data and risk capabilities.
- The cost of data Addressing the operational constraints of legacy data estates.
- Modernising the data estate Improving AI readiness without disruptive transformation programmes.
- Data enabling AI Applying AI across financial crime, KYC, AML, underwriting and regulatory reporting.
The AI perception gap in banking
EXL’s 2026 UK Enterprise AI research shows strong confidence in banking, but a much smaller group demonstrates enterprise-scale maturity.
76%
Believe they are ahead in AI adoption
10%
Qualify as AI Leaders
71%
Say data remains a challenge to AI success
For UK banking and capital markets firms, the issue is not a lack of use cases. It is building the data, governance and operating foundations required to scale them with confidence.
How EXL helps banks move from pilots to performance
Continue the conversation
Explore the latest research, banking insights and enterprise AI perspectives shaping the future of financial services.
2026 EXL Enterprise AI Study – UK
Understand what separates AI Leaders from the rest, and how data, operating-model transformation and agentic AI shape enterprise outcomes.
AI in UK banking: From adoption to advantage
Explore how banking and capital markets firms are moving from experimentation to enterprise value, and why data readiness remains central to progress.
Explore the banking study
Banking and capital markets, reimagined for the AI era
See how EXL combines banking expertise, data, AI and intelligent operations across risk, compliance, lending, customer service and operations.
Put AI to work across banking operations
EXLerate.AI™ is an open, modular and cloud-agnostic platform designed to integrate into enterprise environments. Combined with EXL’s data, banking and operations expertise, it helps organisations orchestrate AI across complex workflows rather than deploy isolated models.
- Customer service and agent assistance
- Financial crime, KYC and AML workflows
- Payments, disputes and fraud operations
- Credit underwriting and decisioning
- Regulatory reporting and model monitoring
Banking and capital markets at EXL
4
of top 5 UK banks trust EXL
9
of top 20 global banks served
25+
Years’ experience in financial services
100+
Banking & capital markets clients globally
Ready to move from AI ambition to measurable business outcomes?
Connect with EXL banking, data and AI specialists to explore how trusted data, enterprise AI and intelligent operations can accelerate value across customer, risk and operational workflows.