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Survey: 2026 Global Decisioning Survey

What are the key challenges and priorities for financial services leaders in 2026 and beyond?

The financial services industry stands at an inflection point in its adoption of artificial intelligence for decisioning. Our 2026 Global Decisioning Survey reveals a sector that recognizes AI’s transformative potential yet struggles with universal implementation challenges.

We surveyed 203 senior decision-makers—including Chief Risk Officers, CEOs, CFOs, and Heads of Risk—across 22 countries spanning banking, fintech, insurance, telecommunications, and other financial services sectors. The findings paint a nuanced picture of an industry in transition.

KEY FINDINGS AT A GLANCE
  • The AI Paradox:

    87% trust AI-driven decisioning outcomes, yet 97% face implementation barriers
  • The Fraud Challenge:

    77% are concerned about AI-enabled fraud threats while needing AI to combat fraud
  • Real-Time Momentum:

    91% have moved beyond static-only models; 52% use hybrid approaches
  • Decision Intelligence:

    77% see it as very valuable for their strategy over the next 2-3 years
  • Investment Priority:

    60% plan to invest in AI or embedded intelligence for decisioning in 2026
  • Governance Gap:

    Only 33% have fully implemented responsible AI frameworks

These findings reveal an industry that knows where it needs to go but faces significant challenges getting there. The organizations that successfully navigate implementation barriers—around compliance, explainability, and integration—will build sustainable competitive advantages through faster, more accurate, and more adaptive decisioning.

ADDITIONAL RESOURCES

TBI Bank Chooses the Provenir Cloud for Real-time Credit Decisions
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TBI Bank Chooses the Provenir Cloud f...

NEWS TBI Bank Chooses the Provenir Cloud for Real-time Credit ...
FactorTrust and Provenir Partner to Deliver Clients Faster Lending Solutions for the Underbanked
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FactorTrust and Provenir Partner to D...

NEWS FactorTrust and Provenir Partner to Deliver Clients Faster Lending ...
Blogs by our Clients: Breaking down the Barriers to Financial Inclusion
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Blogs by our Clients: Breaking down t...

BLOG Blogs by our Clients:Breaking down the Barriers to Financial ...
Rent-A-Center Adopts Provenir Cloud
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Rent-A-Center Adopts Provenir Cloud

NEWS Rent-A-Center Adopts Provenir Cloud Intelligent Risk Analytics and Decisioning ...
The 'under banked' foreigners are an untapped customer base for lenders in the US
Blog ::

The ‘under banked’ foreigners are an ...

BLOG The ‘Under Banked’ Foreignersare an Untapped Customer Base for ...
Happy 50th Birthday Barclaycard: Is It Now Time To Retire?
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Happy 50th Birthday Barclaycard: Is I...

BLOG Happy 50th Birthday Barclaycard:Is It Now Time To Retire? ...
Bigbank Selects the Provenir Cloud to Automate its Credit and Loan Processes
News ::

Bigbank Selects the Provenir Cloud to...

NEWS Bigbank Selects the Provenir Cloud to Automate its Credit ...
Resurs Bank Selects Provenir for Faster Credit Decisions
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Resurs Bank Selects Provenir for Fast...

NEWS Resurs Bank Selects Provenir for Faster Credit Decisions Provenir ...

Continue reading

Survey: 2025 Global Risk Decisioning Survey

Survey: 2025 Global Risk Decisioning Survey

What are the key challenges and priorities for financial services providers in 2025 and beyond?
Provenir surveyed nearly 200 key decision makers at financial services providers globally, including Chief Risk Officers, CEOs, VPs, Senior Directors, Managing Directors, Decision Scientists, Heads of Risk, IT, Fraud and more.

The results highlight:

  • Their risk decisioning and fraud challenges across the customer lifecycle
  • Decisioning investment priorities
  • AI opportunities
Get the insights now.
Ready to shape the future of your decisioning with AI?

Contact Us

Latest Ebooks

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EBOOK: How Telcos Can Boost Revenue Without the Risk

Dial Into Profit: How Telcos Can Boost Revenue Without the Risk

Harnessing Intelligent Decisioning to Elevate Subscriber Value and Reduce Losses
The challenges in the telco world keep increasing. Are you struggling to:
  • Manage ever-evolving fraud tactics?
  • Streamline credit assessments across diverse subscriber segments?
  • Decrease vulnerability to account defaults?
  • Reduce the risk of subscriber churn?
This is where having the right decisioning technology is key. Get the eBook for more info on how advanced, intelligent decisioning solutions will enable you to:
  • Maximize activations
  • Reduce friction in onboarding
  • Mitigate revenue losses and more effectively combat fraud
  • Personalize subscriber experiences and maximize customer lifetime value
  • Optimize collections treatment strategies to minimize bad debt
Want more info on how Provenir’s AI-Powered Decisioning platform can transform your telco business?

Learn More

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Vendor Report: Chartis Research Names Provenir a Global Leader

Chartis Research Names Provenir a Global Leader

Credit and Fraud – A Holistic View in Risk Management
Chartis Research, which offers world-class tech research to map market trends and the vendor landscape in financial services, has named Provenir a global leader in software and services, providing top-tier risk products to financial services providers across the globe. In their latest vendor overview, they highlight how we’re shaping the future of credit and fraud risk management with cutting-edge tech, including AI/ML, data orchestration, and automation to better address the combined market needs around credit and fraud.
Discover how we can help you drive seamless onboarding, real-time decisioning, better fraud prevention, and holistic risk management.

Contact Us

ADDITIONAL RESOURCES

TBI Bank Chooses the Provenir Cloud for Real-time Credit Decisions
News ::

TBI Bank Chooses the Provenir Cloud f...

NEWS TBI Bank Chooses the Provenir Cloud for Real-time Credit ...
FactorTrust and Provenir Partner to Deliver Clients Faster Lending Solutions for the Underbanked
News ::

FactorTrust and Provenir Partner to D...

NEWS FactorTrust and Provenir Partner to Deliver Clients Faster Lending ...
Blogs by our Clients: Breaking down the Barriers to Financial Inclusion
Blog ::

Blogs by our Clients: Breaking down t...

BLOG Blogs by our Clients:Breaking down the Barriers to Financial ...
Rent-A-Center Adopts Provenir Cloud
News ::

Rent-A-Center Adopts Provenir Cloud

NEWS Rent-A-Center Adopts Provenir Cloud Intelligent Risk Analytics and Decisioning ...
The 'under banked' foreigners are an untapped customer base for lenders in the US
Blog ::

The ‘under banked’ foreigners are an ...

BLOG The ‘Under Banked’ Foreignersare an Untapped Customer Base for ...
Happy 50th Birthday Barclaycard: Is It Now Time To Retire?
Blog ::

Happy 50th Birthday Barclaycard: Is I...

BLOG Happy 50th Birthday Barclaycard:Is It Now Time To Retire? ...
Bigbank Selects the Provenir Cloud to Automate its Credit and Loan Processes
News ::

Bigbank Selects the Provenir Cloud to...

NEWS Bigbank Selects the Provenir Cloud to Automate its Credit ...
Resurs Bank Selects Provenir for Faster Credit Decisions
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Resurs Bank Selects Provenir for Fast...

NEWS Resurs Bank Selects Provenir for Faster Credit Decisions Provenir ...

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Mind the Gap: The Need for Speedy, Accessible SME Lending in EMEA

EBOOK

Mind the Gap: The Need for Speedy, Accessible SME Lending in EMEA

Small-to-Medium Enterprises (SMEs) are the champions of economy, representing 90% of all businesses worldwide and providing more than 50% of employment. But despite their essential role, 40% of global SMEs don’t have access to the funding they need to operate. In EMEA, that figure encompasses roughly half of small-to-medium sized businesses.

That leaves a global $5.2 trillion funding gap that could help both businesses and lenders grow. 

So why hasn’t this opportunity been seized? Examine the biggest challenges facing SME lenders and discover the solutions that will help bridge the gap in our ebook, Mind the Gap: The Need for Speedy, Accessible SME Lending.

Uncover how you can tap into diverse lending opportunities and implement the technology to:

  • Simplify lending applications 
  • Power more accurate decisions
  • Increase agility and flexibility
  • Future-proof your processes

Ready for speedy, accessible SME lending?

RESOURCE LIBRARY

TBI Bank Chooses the Provenir Cloud for Real-time Credit Decisions
News ::

TBI Bank Chooses the Provenir Cloud f...

NEWS TBI Bank Chooses the Provenir Cloud for Real-time Credit ...
FactorTrust and Provenir Partner to Deliver Clients Faster Lending Solutions for the Underbanked
News ::

FactorTrust and Provenir Partner to D...

NEWS FactorTrust and Provenir Partner to Deliver Clients Faster Lending ...
Blogs by our Clients: Breaking down the Barriers to Financial Inclusion
Blog ::

Blogs by our Clients: Breaking down t...

BLOG Blogs by our Clients:Breaking down the Barriers to Financial ...
Rent-A-Center Adopts Provenir Cloud
News ::

Rent-A-Center Adopts Provenir Cloud

NEWS Rent-A-Center Adopts Provenir Cloud Intelligent Risk Analytics and Decisioning ...
The 'under banked' foreigners are an untapped customer base for lenders in the US
Blog ::

The ‘under banked’ foreigners are an ...

BLOG The ‘Under Banked’ Foreignersare an Untapped Customer Base for ...
Happy 50th Birthday Barclaycard: Is It Now Time To Retire?
Blog ::

Happy 50th Birthday Barclaycard: Is I...

BLOG Happy 50th Birthday Barclaycard:Is It Now Time To Retire? ...
Bigbank Selects the Provenir Cloud to Automate its Credit and Loan Processes
News ::

Bigbank Selects the Provenir Cloud to...

NEWS Bigbank Selects the Provenir Cloud to Automate its Credit ...
Resurs Bank Selects Provenir for Faster Credit Decisions
News ::

Resurs Bank Selects Provenir for Fast...

NEWS Resurs Bank Selects Provenir for Faster Credit Decisions Provenir ...

Continue reading

Mind the Gap: The Need for Speedy, Accessible SME Lending in Latin America

EBOOK

Mind the Gap: The Need for Speedy, Accessible SME Lending in Latin America

Small-to-Medium Enterprises (SMEs) are the champions of economy, representing 90% of all businesses worldwide and providing more than 50% of employment. But despite their essential role, 40% of global SMEs don’t have access to the funding they need to operate. In Latin America, 87% of SMEs are unable to get the funding they need.

That leaves a global $5.2 trillion funding gap that could help both businesses and lenders grow. 

So why hasn’t this opportunity been seized? Examine the biggest challenges facing SME lenders and discover the solutions that will help bridge the gap in our ebook, Mind the Gap: The Need for Speedy, Accessible SME Lending.

Uncover how you can tap into diverse lending opportunities and implement the technology to:

  • Simplify lending applications 
  • Power more accurate decisions
  • Increase agility and flexibility
  • Future-proof your processes

Ready for speedy, accessible SME lending?

RESOURCE LIBRARY

TBI Bank Chooses the Provenir Cloud for Real-time Credit Decisions
News ::

TBI Bank Chooses the Provenir Cloud f...

NEWS TBI Bank Chooses the Provenir Cloud for Real-time Credit ...
FactorTrust and Provenir Partner to Deliver Clients Faster Lending Solutions for the Underbanked
News ::

FactorTrust and Provenir Partner to D...

NEWS FactorTrust and Provenir Partner to Deliver Clients Faster Lending ...
Blogs by our Clients: Breaking down the Barriers to Financial Inclusion
Blog ::

Blogs by our Clients: Breaking down t...

BLOG Blogs by our Clients:Breaking down the Barriers to Financial ...
Rent-A-Center Adopts Provenir Cloud
News ::

Rent-A-Center Adopts Provenir Cloud

NEWS Rent-A-Center Adopts Provenir Cloud Intelligent Risk Analytics and Decisioning ...
The 'under banked' foreigners are an untapped customer base for lenders in the US
Blog ::

The ‘under banked’ foreigners are an ...

BLOG The ‘Under Banked’ Foreignersare an Untapped Customer Base for ...
Happy 50th Birthday Barclaycard: Is It Now Time To Retire?
Blog ::

Happy 50th Birthday Barclaycard: Is I...

BLOG Happy 50th Birthday Barclaycard:Is It Now Time To Retire? ...
Bigbank Selects the Provenir Cloud to Automate its Credit and Loan Processes
News ::

Bigbank Selects the Provenir Cloud to...

NEWS Bigbank Selects the Provenir Cloud to Automate its Credit ...
Resurs Bank Selects Provenir for Faster Credit Decisions
News ::

Resurs Bank Selects Provenir for Fast...

NEWS Resurs Bank Selects Provenir for Faster Credit Decisions Provenir ...

Continue reading

Mind the Gap: The Need for Speedy, Accessible SME Lending in Asia Pacific

EBOOK

Mind the Gap: The Need for Speedy, Accessible SME Lending in Asia Pacific

Small-to-Medium Enterprises (SMEs) are the champions of economy, representing 90% of all businesses worldwide and providing more than 50% of employment. But despite their essential role, 40% of global SMEs don’t have access to the funding they need to operate. Forty-six percent of those SMEs are located in APAC.

That leaves a global $5.2 trillion funding gap that could help both businesses and lenders grow. 

So why hasn’t this opportunity been seized? Examine the biggest challenges facing SME lenders and discover the solutions that will help bridge the gap in our ebook, Mind the Gap: The Need for Speedy, Accessible SME Lending.

Uncover how you can tap into diverse lending opportunities and implement the technology to:

  • Simplify lending applications 
  • Power more accurate decisions
  • Increase agility and flexibility
  • Future-proof your processes

Ready for speedy, accessible SME lending

RESOURCE LIBRARY

TBI Bank Chooses the Provenir Cloud for Real-time Credit Decisions
News ::

TBI Bank Chooses the Provenir Cloud f...

NEWS TBI Bank Chooses the Provenir Cloud for Real-time Credit ...
FactorTrust and Provenir Partner to Deliver Clients Faster Lending Solutions for the Underbanked
News ::

FactorTrust and Provenir Partner to D...

NEWS FactorTrust and Provenir Partner to Deliver Clients Faster Lending ...
Blogs by our Clients: Breaking down the Barriers to Financial Inclusion
Blog ::

Blogs by our Clients: Breaking down t...

BLOG Blogs by our Clients:Breaking down the Barriers to Financial ...
Rent-A-Center Adopts Provenir Cloud
News ::

Rent-A-Center Adopts Provenir Cloud

NEWS Rent-A-Center Adopts Provenir Cloud Intelligent Risk Analytics and Decisioning ...
The 'under banked' foreigners are an untapped customer base for lenders in the US
Blog ::

The ‘under banked’ foreigners are an ...

BLOG The ‘Under Banked’ Foreignersare an Untapped Customer Base for ...
Happy 50th Birthday Barclaycard: Is It Now Time To Retire?
Blog ::

Happy 50th Birthday Barclaycard: Is I...

BLOG Happy 50th Birthday Barclaycard:Is It Now Time To Retire? ...
Bigbank Selects the Provenir Cloud to Automate its Credit and Loan Processes
News ::

Bigbank Selects the Provenir Cloud to...

NEWS Bigbank Selects the Provenir Cloud to Automate its Credit ...
Resurs Bank Selects Provenir for Faster Credit Decisions
News ::

Resurs Bank Selects Provenir for Fast...

NEWS Resurs Bank Selects Provenir for Faster Credit Decisions Provenir ...

Continue reading

Mind the Gap: The Need for Speedy, Accessible SME Lending in North America

EBOOK

Mind the Gap: The Need for Speedy, Accessible SME Lending in North America

Small-to-Medium Enterprises (SMEs) are the champions of economy, representing 90% of all businesses worldwide and providing more than 50% of employment. But despite their essential role, 40% of global SMEs don’t have access to the funding they need to operate. In North America, that figure encompasses roughly 41% of small-to-medium sized businesses.

That leaves a global $5.2 trillion funding gap that could help both businesses and lenders grow. 

So why hasn’t this opportunity been seized? Examine the biggest challenges facing SME lenders and discover the solutions that will help bridge the gap in our ebook, Mind the Gap: The Need for Speedy, Accessible SME Lending.

Uncover how you can tap into diverse lending opportunities and implement the technology to:

  • Simplify lending applications 
  • Power more accurate decisions
  • Increase agility and flexibility
  • Future-proof your processes

Ready for speedy, accessible SME lending?

RESOURCE LIBRARY

TBI Bank Chooses the Provenir Cloud for Real-time Credit Decisions
News ::

TBI Bank Chooses the Provenir Cloud f...

NEWS TBI Bank Chooses the Provenir Cloud for Real-time Credit ...
FactorTrust and Provenir Partner to Deliver Clients Faster Lending Solutions for the Underbanked
News ::

FactorTrust and Provenir Partner to D...

NEWS FactorTrust and Provenir Partner to Deliver Clients Faster Lending ...
Blogs by our Clients: Breaking down the Barriers to Financial Inclusion
Blog ::

Blogs by our Clients: Breaking down t...

BLOG Blogs by our Clients:Breaking down the Barriers to Financial ...
Rent-A-Center Adopts Provenir Cloud
News ::

Rent-A-Center Adopts Provenir Cloud

NEWS Rent-A-Center Adopts Provenir Cloud Intelligent Risk Analytics and Decisioning ...
The 'under banked' foreigners are an untapped customer base for lenders in the US
Blog ::

The ‘under banked’ foreigners are an ...

BLOG The ‘Under Banked’ Foreignersare an Untapped Customer Base for ...
Happy 50th Birthday Barclaycard: Is It Now Time To Retire?
Blog ::

Happy 50th Birthday Barclaycard: Is I...

BLOG Happy 50th Birthday Barclaycard:Is It Now Time To Retire? ...
Bigbank Selects the Provenir Cloud to Automate its Credit and Loan Processes
News ::

Bigbank Selects the Provenir Cloud to...

NEWS Bigbank Selects the Provenir Cloud to Automate its Credit ...
Resurs Bank Selects Provenir for Faster Credit Decisions
News ::

Resurs Bank Selects Provenir for Fast...

NEWS Resurs Bank Selects Provenir for Faster Credit Decisions Provenir ...

Continue reading

Mind the Gap: The Need for Speedy, Accessible SME Lending

EBOOK

Mind the Gap: The Need for Speedy, Accessible SME Lending

Small-to-Medium Enterprises (SMEs) are the champions of economy, representing 90% of all businesses worldwide and providing more than 50% of employment. But despite their essential role, 40% of global SMEs don’t have access to the funding they need to operate. 

That leaves a $5.2 trillion funding gap that could help both businesses and lenders grow.

So why hasn’t this opportunity been seized? Examine the biggest challenges facing SME lenders and discover the solutions that will help bridge the gap in our ebook, Mind the Gap: The Need for Speedy, Accessible SME Lending.

Uncover how you can tap into diverse lending opportunities and implement the technology to:

  • Simplify lending applications 
  • Power more accurate decisions
  • Increase agility and flexibility
  • Future-proof your processes

Ready for speedy, accessible SME lending?

Choose your region below to get started:

RESOURCE LIBRARY

TBI Bank Chooses the Provenir Cloud for Real-time Credit Decisions
News ::

TBI Bank Chooses the Provenir Cloud f...

NEWS TBI Bank Chooses the Provenir Cloud for Real-time Credit ...
FactorTrust and Provenir Partner to Deliver Clients Faster Lending Solutions for the Underbanked
News ::

FactorTrust and Provenir Partner to D...

NEWS FactorTrust and Provenir Partner to Deliver Clients Faster Lending ...
Blogs by our Clients: Breaking down the Barriers to Financial Inclusion
Blog ::

Blogs by our Clients: Breaking down t...

BLOG Blogs by our Clients:Breaking down the Barriers to Financial ...
Rent-A-Center Adopts Provenir Cloud
News ::

Rent-A-Center Adopts Provenir Cloud

NEWS Rent-A-Center Adopts Provenir Cloud Intelligent Risk Analytics and Decisioning ...
The 'under banked' foreigners are an untapped customer base for lenders in the US
Blog ::

The ‘under banked’ foreigners are an ...

BLOG The ‘Under Banked’ Foreignersare an Untapped Customer Base for ...
Happy 50th Birthday Barclaycard: Is It Now Time To Retire?
Blog ::

Happy 50th Birthday Barclaycard: Is I...

BLOG Happy 50th Birthday Barclaycard:Is It Now Time To Retire? ...
Bigbank Selects the Provenir Cloud to Automate its Credit and Loan Processes
News ::

Bigbank Selects the Provenir Cloud to...

NEWS Bigbank Selects the Provenir Cloud to Automate its Credit ...
Resurs Bank Selects Provenir for Faster Credit Decisions
News ::

Resurs Bank Selects Provenir for Fast...

NEWS Resurs Bank Selects Provenir for Faster Credit Decisions Provenir ...

Continue reading

eBook: Beyond Onboarding: Buyer’s Guide to Risk Decisioning Platforms 

EBOOK

Beyond Onboarding:
Buyer’s Guide to Risk Decisioning Platforms

Book a Meeting

How to Enable AI-Powered Decisioning for Smarter, Faster Risk Decisions Across the Entire Customer Lifecycle

If navigating the growing field of risk decisioning platforms feels like trying to find a needle in a haystack… don’t worry, we’ve got you covered. We’ve developed a comprehensive guide to choosing the right risk decisioning platform for the specific needs of your organization. We’ve looked at the essential features you need and how to make the best selection that will enable maximized value throughout the entire customer journey, for everything from onboarding to collections and all points in between. 

Key takeaways from the guide include:

  • How to use AI-powered decisioning to maximize customer value across the lifecycle
  • The key capabilities of a risk decisioning solution that will ensure success at onboarding and beyond
  • The role the right data at the right time plays into decisionsing success
  • Defining your project requirements to ensure success

RESOURCE LIBRARY

TBI Bank Chooses the Provenir Cloud for Real-time Credit Decisions
News ::

TBI Bank Chooses the Provenir Cloud f...

NEWS TBI Bank Chooses the Provenir Cloud for Real-time Credit ...
FactorTrust and Provenir Partner to Deliver Clients Faster Lending Solutions for the Underbanked
News ::

FactorTrust and Provenir Partner to D...

NEWS FactorTrust and Provenir Partner to Deliver Clients Faster Lending ...
Blogs by our Clients: Breaking down the Barriers to Financial Inclusion
Blog ::

Blogs by our Clients: Breaking down t...

BLOG Blogs by our Clients:Breaking down the Barriers to Financial ...
Rent-A-Center Adopts Provenir Cloud
News ::

Rent-A-Center Adopts Provenir Cloud

NEWS Rent-A-Center Adopts Provenir Cloud Intelligent Risk Analytics and Decisioning ...
The 'under banked' foreigners are an untapped customer base for lenders in the US
Blog ::

The ‘under banked’ foreigners are an ...

BLOG The ‘Under Banked’ Foreignersare an Untapped Customer Base for ...
Happy 50th Birthday Barclaycard: Is It Now Time To Retire?
Blog ::

Happy 50th Birthday Barclaycard: Is I...

BLOG Happy 50th Birthday Barclaycard:Is It Now Time To Retire? ...
Bigbank Selects the Provenir Cloud to Automate its Credit and Loan Processes
News ::

Bigbank Selects the Provenir Cloud to...

NEWS Bigbank Selects the Provenir Cloud to Automate its Credit ...
Resurs Bank Selects Provenir for Faster Credit Decisions
News ::

Resurs Bank Selects Provenir for Fast...

NEWS Resurs Bank Selects Provenir for Faster Credit Decisions Provenir ...

Continue reading