As customer expectations accelerate and financial experiences become increasingly real time, banks are under pressure to deliver greater agility, stronger security, and faster innovation. Cloud technology now sits at the heart of this transformation, enabling institutions to modernize core systems, streamline operations, and unlock new digital experiences at scale.

The 2025 Banking on the Cloud report brings together insights from analysts, global consultancies, and real-world AWS banking customers to reveal the six trends redefining how banks operate, innovate, and serve their customers. From agentic workflows and generative-AI-driven modernization to cross-industry data sharing and SaaS-driven collaboration, these developments are reshaping every layer of the banking enterprise.

This year’s report also features candid perspectives from banking leaders on how they’re navigating market pressures—while using AWS to accelerate modernization, improve governance, and elevate both customer and employee experiences.

Key points covered:

• How agentic workflows are transforming customer experiences

• The role of generative AI in accelerating core modernization

• Why composable architectures are key to agility and innovation

• The rise of cross-industry data sharing and SaaS-powered collaboration