In 2025, financial institutions turned pilots into reality with the implementation of generative AI in efforts that are producing tangible returns. 

FIs are reporting business benefits from the deployment of gen AI, according to Google Cloud’s Sept. 29 released “The ROI of AI in financial services” report, which surveyed 556 leaders of global financial services companies.  

According to the report, returns from gen AI investment at FIs are most seen in:  

• Productivity; 

• Customer experience; 

• Business growth; 

• Marketing; and 

• Security. 

These banks recorded returns from gen AI investments this year: 

Citizens: Gen AI improves code conversion efficiency by up to 80% 

The $217 billion Citizens Bank is using generative AI tools to convert older code to modern programming languages, Chief Data and Analytics Officer Krish Swamy told FinAi News. 

Gen AI made processes up to 80% more efficient, Swamy said. 

ING ups software development productivity by 20% with gen AI coding  

The $1.2 trillion ING Bank blends machine learning with generative AI to streamline operations. 

The bank has provided generative AI tools to 5,000 of its software development engineers, boosting productivity by up to 20%, Marco Li Mandri, head of advanced analytics strategy, told FinAi News.  

Wells Fargo’s gen AI improves coding efficiency up to 35%  

The $2 trillion Wells Fargo rolled out gen AI to its engineers, boosting overall coding efficiency, Charlie Scharf said this month at the Goldman Sachs 2025 U.S. Financial Services Conference. 

“We’re 30% to 35% more efficient in terms of writing code today,” Scharf said.  

Register here for early-bird pricing for the inaugural FinAi Banking Summit 2026, taking place March 2-3 in Denver. View the full event agenda here.