Alkami Reports 81% AI Adoption and 71% Data Readiness in Banks
Alkami's 2026 Business Banking Digital Maturity Model finds 71% of institutions report complete, actionable client data and 81% are leveraging AI agents for account onboarding, servicing, fraud detection and relationship management. It identifies digital account origination, real-time fraud controls and employee technology integrations as top competitive priorities.
1. Overview of 2026 Update
Alkami released the 2026 update to its Business Banking Digital Maturity Model to showcase how U.S. banks and credit unions are evolving in a data- and AI-driven market. The study builds on the 2024 edition, surveying financial institutions on their digital account opening, onboarding, servicing and fraud prevention capabilities.
2. Key Findings
The report shows that 71% of surveyed institutions maintain complete, actionable client data, enabling faster decision-making, while 81% are leveraging, exploring or piloting AI agents across critical functions including digital onboarding, account servicing, fraud detection and relationship management. It concludes that true digital maturity stems from unifying data, workflows and decisioning rather than simply adding new features.
3. Identified Strategic Priorities
Three priorities emerge for business banking leaders: streamlining digital account opening with automated identity verification and funding processes; embedding intelligent, real-time fraud prevention controls throughout the client journey; and equipping employees with unified data, streamlined workflows and upskilling to boost productivity and customer support.