The Hype Cycle for Bank Lending, 2025* presents the most impactful innovations reshaping lending. It highlights how banks are leveraging technologies like explainable AI, synthetic data, generative AI, sustainable finance, autonomous data collection, and hyperautomation to enhance risk management, efficiency, growth, and customer experience.
This year’s analysis shows how these innovations in infrastructure, applications, and governance converge to deliver measurable business value. From improved decision-making to smarter, modular, and compliant architectures, CIOs are driving a new era of transformation where technology is embedded into strategy and operations.
Gartner’s analysts emphasize the shift from experimentation to value realization, with banking leaders prioritizing innovations that deliver tangible business outcomes. We’re proud that XTN Cognitive Security® has been recognized as a Representative Vendor in this Hype Cycle.
*Gartner, Hype Cycle for Bank Lending, 2025, Derek Frost
