Navigating the evolving retail banking landscape requires strategic foresight and adaptability from Chief Information Officers (CIOs), especially as market demands and regulations continue to shift.

Figure 1 illustrates the six critical technology trends that retail banking CIOs must prioritize to stay ahead in 2025.

Figure 1 illustrates the six critical technology trends that retail banking CIOs must prioritize to stay ahead in 2025.

This Gartner® report details the top six technology trends CIOs should adopt, trial, and assess to enhance their banking operations and ensure regulatory compliance. Our key takeaways include:

Technology ecosystems: Understand how to extend banking supply chains through strategic partnerships and technology integrations
Composable banking modernizations: Explore strategies for breaking down legacy systems into flexible, modular components that respond well to market changes
Generative artificial intelligence (GenAI): Uncover the potential of GenAI assistants to improve customer service and operational efficiency
Regulatory and antifraud technology: Address ballooning financial crime and varying regulations with effective solutions
Intelligent applications: Learn how to automate and optimize banking products, workflows, and interfaces to meet the demands of modern consumers
Digital currencies: Assess the implications of Central Bank Digital Currencies (CBDCs) on payment processes and banking operations

Download the report today to explore the implications of each trend and to expand business models and improve efficiency, while managing IT complexity and third-party risks to maintain trust and compliance.

Gartner®, Top Technology Trends in Retail Banking for CIOs 2025, Jeff Casey et al., 18 February 2025.

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