The Brazilian banking sector is experiencing a historic inflection, guided by a significant jump in investments in technology that, in the last five years, grew 58.4%, reaching R$ 47.8 billion forecast for 2025, according to research this intense pace of resource allocation not only consolidates banks as protagonists of digital transformation, but also anchors and accelerates the development of the entire information technology ecosystem in the country.At the center of this revolution is Artificial Intelligence (AI), which, together with cloud computing, radically transforms the structure, products and operation of financial institutions.
We live in a moment when being “digital-first” is no longer enough and this movement does not occur at random. It directly supports the evolution of technology companies especially those with operations “AIIAI-Centric” , which see in the financial sector an increasingly sophisticated, demanding and willing to invest in cutting-edge solutions.
The drive for AI, Generative AI and Analytics has generated a virtuous cycle: the more banks advance in technological maturity, the more they demand innovative solutions, making room for partnerships, new business models and specialized talent development.In our case, the financial sector is more than a business vertical & is a true living laboratory for AI applications at scale.
The consolidation of AI as one of the pillars of banking architecture goes beyond discourse prep febraban shows that 61% of increased investment in AI and data will be aimed at applications focusing on operational efficiency, security, customization and prediction
38% of banks that have already implemented AI have recorded superior gains.
20% of growth in efficiency.
the 80% already incorporates Generative AI into its operations with measurable increases in productivity.
However, the most revealing fact is perhaps another: less than half of these institutions have structured governance for AI, which opens opportunities for technology companies to also act on the maturity and security of this transformation.
In a country with structural challenges and infrastructure gaps, seeing the financial sector migrate all its business domains to the cloud and expand cloud investments in 89% of institutions creates a standard of demand and competitiveness. The impact is immediate: more flexible and scalable infrastructure, greater capacity to process data in real time and an environment more conducive to continuous innovation.It is a technological base that, by consolidating in banks, benefits the entire chain (from fintechs to enterprise software providers.
Technology, when combined with strategy, transforms not only what we do, but how we think. Real-time personalization, enabled by AI and data, has already become a requirement of banking customers and, with it, shapes the entire journey and relationship design of institutions. projections the global hyper-personalization market in the financial sector could reach US$ 21.79 billion by 2031.For technology companies that provide this type of solution, there is a rare window of opportunity to scale innovation with direct and measurable impact on their customers' businesses.
Advancing AI in banks also has important internal effects: R$ 1.4 billion will be invested to improve the work experience of employees, including employee strategies reskilling and new IT hires. Today, 11% of the banking cadre is already focused on technology, with increasing demand for developers, data scientists and cybersecurity specialists.This reinforces a crucial point: technological innovation in the banking sector is also an active policy of talent development and generation of qualified jobs.
In a global scenario where 81% of the CEOs of the banking sector consider investment in Generative AI is a top priority, Brazil stands out not only for volume, but for the speed of adoption. Technology is, today, the biggest competitive differential of banks, and the companies “AI-Centric” have a key role in helping these institutions transform data into decisions, processes into intelligent platforms and customers as protagonists of transformative digital journeys.All this positions the country as a center of excellence in banking technology and contributes to the strengthening of the image of technological innovation pole.
The future promises even greater challenges and opportunities, with trends such as asset tokenization, revolution in international payments and transformation of software engineering through AI. More than a reaction to disruption, the financial sector is paving the way for the next era of the digital economy.The continuous investment in technology by banks not only sustains, but challenges the Brazilian IT sector to innovate constantly, with agility, responsibility and vision of the future.
In times of uncertainty, this movement is a clear sign: digital transformation is no longer a choice & is the path to relevance and resilience. The growth of banking investments in technology not only sustains, but accelerates the development of the Brazilian technological sector, creating a virtuous circle of innovation that benefits the entire economy and reinforces Brazil's position as a protagonist in global digital transformation.
