The 2026-27 Strategic Annual Planning Kit
Drive ROI With Banking AI in 2027
Banking AI is now the top tech investment for FIs. Use this Strategic Annual Planning Kit, co-created by Glia and Alloy Labs, to turn your AI investment into measurable efficiency gains, drive loan & deposit growth, and offer personal service that megabanks and fintechs can’t match.
2027 Outlook
For Community FIs,
the Stakes Are
Higher Than Ever
The gap is widening between FIs with a banking AI strategy and those without one. These planning trends explain where leaders are directing their AI investments in 2026 and beyond.
Competition From Megabanks and Fintechs is Rising
Megabanks are increasing their AI investments, fintechs now reach 77% of consumers, and 70% of heirs move inherited assets away from community FIs.
2x
Banking AI helps FIs double customer retention rates and grow primary customers by 30% yearly.
Community FIs Seek Aggressive Loan & Deposit Growth
With interest rates not expected to drop before late 2027, 79% of banks and 85% of credit unions are prioritizing loan and deposit growth over margin optimization.
65%
FIs that use banking AI to proactively reach consumers see a 65% increase in cross-sales.
Driving Efficiency is a Strategic Imperative
Labor costs, compliance efforts, and fraud prevention contribute to 51% of banking leaders citing operational efficiency as a top strategic priority for 2027.
15 pts.
A comprehensive banking AI strategy can improve your efficiency ratio by 15 percentage points.
The report
Set Your Strategy
Co-authored by Glia and Alloy Labs, the 2026-27 Banking AI Strategic Annual Planning Guide gives your leadership team a data-driven framework for turning AI into a driver of measurable ROI.
Read it now for key insights including:
- Competitive landscape research
- Compliance and security guidance
- AI governance framework
- A phased deployment roadmap
- Criteria for vending vettors
Board VideoS
Educate Your Board
Share our primer video to help your board understand key planning trends for 2027 and learn how a strategic implementation of banking AI drives measurable impact at your bank or credit union.
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Presentation Slides
Build Your Case
Download our customizable slide library, including research and frameworks, to align your planning conversations, tailor a strategy for your financial institutions specific needs, and bring your banking AI strategy to your next board session.
Turn Strategy Into Impact With Glia
Glia helps 700+ community FIs drive measurable impact with banking AI. Consult with our free Banking AI Advisory services, see a banking AI demo, or request an Impact Study to forecast the ROI your financial institution will generate with banking AI.
Join the Movement With Alloy Labs
Alloy Labs is an ecosystem of community and mid-size banks developing the insights and partnerships that help institutions like yours compete and win. Find out how to benefit from the collective expertise of the leading peer network for community FIs.
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