Which GenAI Use Cases Deserve Your Bank’s Next Dollar?

This Gartner® report scores 19 banking use cases on value and feasibility and shows which ones are likely winning.

This use-case assessment identifies 19 of the most prominent use cases for generative AI in banking, measuring them against value and feasibility. Banking CIOs can use this comparison to inform their investments in GenAI to improve operations and customer experience and reduce risk exposure.

Gartner report diagram

Topics covered in the report include:

  • How 19 prominent GenAI use cases in banking score on business value and feasibility, based on what a typical bank could exp realize over 18 months.
  • The four value dimensions (revenue, efficiency, risk management and customer experience) and three feasibility dimensions (technical, internal, and external) behind every score.
  • Which use cases Gartner® places among its Likely Wins, Calculated Risks and Marginal Gains.
  • The rationale for each score, including data quality, explainability, human review and regulatory considerations.
  • How banking CIOs can use the assessment to guide GenAI investment decisions and strategic conversations.

The note also draws on the 2026 Gartner® CIO and Technology Executive Survey to show how quickly GenAI deployment is moving across the banking industry.

At Navtech, we believe the right place to start with GenAI in banking is the use cases that are both valuable and feasible, built so that compliance teams can defend the output, not just use it. Source citation on every response, a complete audit trail behind every decision, and regulatory logic enforced in the architecture rather than added after the fact.

Download the report for the full analysis from Gartner®, including the scoring breakdown and rationale for all 19 use cases.

Gartner®, Generative AI Use-Case Assessment to Prioritize Banking Investments

Authors: Priyanka Shukla, Mary Yan, Uri Lerner, 12 December 2025

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