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Are firms seeing a realised return on AI investment?

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Are firms seeing a realised return on AI investment?

Financial institutions are increasing their investment in artificial intelligence, but the scale of spending varies considerably by organisation size, raising questions about how effectively firms are translating investment into measurable value, according to new research from RegTech Analyst.

The AI in Risk and Compliance 2026 report, which was co-authored by RegTech Analyst and Parker & Lawrence Research, jumped into the topic of AI deployment and what the data is saying in regards to global deployment of the technology.

The AI in Risk and Compliance 2026 report found that 300 institutions forecast a combined $703.7m in AI spending across risk and compliance during 2026. By comparison, a similarly profiled sample of 300 institutions in the Global State of RegTech 2026 reported $2.37bn in total RegTech expenditure.

This suggests that approximately 30% of reported risk and compliance technology spending is being allocated to AI, highlighting the growing financial commitment institutions are making to the technology.

However, the research shows that investment levels differ significantly according to organisational scale.

Institutions with between 50 and 249 employees forecast average AI spending of just $80,000, compared with $11m among organisations employing 20,000 or more people. Spending increases particularly sharply once firms exceed 1,000 employees, suggesting that larger institutions are committing substantially more resources to AI programmes.

The proportion of RegTech budgets allocated to AI also rises with firm size, reaching its highest point among institutions with between 10,000 and 19,999 employees. 89% of their RegTech spending to AI.



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