Banks intend to increase investments in Pix by 48% and in Open Finance, at 65%, also shows the 1st volume of the Research Febraban Banking Technology 2025, held by Deloitte
The total budget of Brazilian banks allocated to technology, encompassing expenses and investments, is expected to reach R$$ 47.8 billion this year, an increase of 13% compared to 2024, when it was R$$ 42.3 billion. This is what the 1st volume of the Febraban Banking Technology Survey 2025, conducted by Deloitte, the world's largest professional services organization. The estimate was calculated based on the values indicated by the participating banks. The research shows that banks have increased their technology investments by 58.4% over the past five years.
Investment growth is driven by strategic initiatives to enable a robust technological base, especially in the adoption of Artificial Intelligence (AI), Generative Artificial Intelligence (GenAI) and Cloud in institutions. This year, participating banks estimate to increase their investments by 61% in Artificial Intelligence, Analytics and Big Data, and by 59% in migration to the Cloud.. The integration of these technologies to banks’ strategies contributes to efficiency gains, continuous innovation and better customer experiences.
In regulatory projects, banks intend to increase investments in Pix by 48% and in Open Finance, by 65%.
The disruption scenario generated by AI and GenAI will also lead banks to do significant contributions to infrastructure and technological solutions that improve the work experience of professionals. The estimate is that R$1.4 billion will be invested this year. It is also expected a 15% increase in IT jobs by 2025.
“The robust and continuous investments by Brazilian banks in technology demonstrate the importance of the sector as a driver of innovation in our country. And they are essential to modernize the institutions’ infrastructure, strengthen cybersecurity and increase operational efficiency so that we can offer increasingly assertive services to our customers,” says Rodrigo Mulinari, director responsible for the Febraban Banking Technology Survey.
AI and GenAI
According to the research, the institutions pointed out the cost reduction and gain in operational efficiency (both with 74%) as the main benefits resulting from the adoption of Artificial Intelligence. In addition AI also stands out in strengthening data security, by identifying potential risks (63%) and supporting data analysis (58%). Furthermore, technology is beginning to be strongly applied in personalization of services (47%) and in predicting trends and behaviors (37%).
The survey shows that more than eight out of ten banks already incorporate generative artificial intelligence (GenAI) into their operations and report earnings measurable, with an average increase of 11.4% in the efficiency of processes after adopting AI and GenAI, with 38% of banks reporting an increase in efficiency above 20%.
“The growing investment and application of Artificial Intelligence in banks’ business and operations, one of the highlights of this edition of the survey, reveals the increase in demand for personalized experiences, a topic that is revolutionizing the financial market and transforming the interaction between banks and institutions”, says Carolina Sansão, deputy director of Innovation, Technology and Cybersecurity at Febraban.
Cloud
The migration movement to the Cloud and its relationship with AI reveal that the convergence between technologies allows companies to significantly advance towards technological transformation. All business domains evaluated in the research went through some stage of migration to the cloud in the last year, in banks with higher levels of maturity in AI, with 100% in Open Banking/Finance and 67% in Pix.
Cybersecurity
Cybersecurity remains one of the financial industry's top priorities. According to the research, to ensure greater protection for both internal processes and solutions offered to customers, banks have been reinforcing governance on the topic: almost six out of ten of them have cybersecurity experts on the boards of directors and 40% of them rely on the joint action of security teams with the squads of technology. This movement ensures that digital security is incorporated from the conception to the delivery of new products and services..
Workforce
Investments in improving employee experience and increasing the number of IT professionals reinforce the banks' commitment to strengthening the ecosystem, through internal investments that enable the attraction of specialized talent and ongoing training.
As a result, there is still a demand for some professional profiles, which demonstrates the commitment of institutions to developing increasingly technological and personalized products and services, in order to offer customers a better experience, based on digitalized, secure systems built on an efficient structure based on data analysis.
According to the research, on average, 11% of bank professionals are from the IT area, with the development, analytics and BI, and infrastructure teams having the largest number of professionals. Among the most in-demand professions are: software developers, information security specialists and data scientists.
“As technologies such as AI and GenAI gain ground in financial institutions, the responsibility to prepare professionals for this new context also grows. Investment in people is no longer just an operational necessity; it has become a strategic lever. The reskilling and upskilling movement is essential to ensure that human talent keeps up with the speed of innovation, contributing critical vision, ethics and creativity to processes. It is from this combination of technology and human capital that the most transformative solutions for the sector will emerge,” says Sergio Biagini, lead partner for the Financial Services industry at Deloitte Brazil.
About the Research
The Febraban Banking Technology survey reaches its 34th edition, presented in two volumes. This first one explores technology investments and trends, while the The second will address banking transactions and consumer behavior and will be presented during Febraban Tech 2025, on June 11th.
Data collection for this volume was carried out between December 2024 and March 2025, through an electronic form and in-depth interviews with technology leaders. Twenty banks, which correspond to 85% of the banking industry's assets in the country, and 30 executives working in the area of banking technology participated in this volume.
The first volume of the research can be accessed at this link.
About Deloitte
Deloitte is the Deloitte is the world’s most diverse professional services organization, with approximately 457,000 professionals worldwide, delivering impacts that matter in more than 150 countries and territories. Building on its more than 175-year history, Deloitte provides audit and assurance, tax consulting, business consulting, financial advisory and risk management consulting services to nearly 901,000 of the Fortune Global 500® and thousands of other companies. Our people deliver measurable and lasting results to help strengthen public trust in the capital markets and enable clients to transform and thrive, leading the way toward a stronger economy, a more equitable society and a sustainable world. In Brazil, where it has operated since 1911, Deloitte is the market leader, with more than 7,000 professionals and operations throughout the country from 18 offices. For more information, visit: www.deloitte.com.br.
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