AI Decision Intelligence survey findings reveal that executives are prioritizing advanced analytics to improve credit risk and fraud decisions. According to new research sponsored by Provenir, 60% of global credit risk and fraud leaders say AI and Decision Intelligence are their top planned investments for the year ahead.
The survey highlights how AI is reshaping financial decision-making. In particular, 51% of respondents said Generative AI for natural language queries delivers the greatest value. Meanwhile, 49% pointed to real-time decisioning across customer touchpoints as a key benefit. Additionally, 62% emphasized that interacting with data quickly using natural language queries is very important.
AI Decision Intelligence Survey Highlights Strategic Priorities
The AI Decision Intelligence survey shows that 77% of executives believe Decision Intelligence will be very valuable in strengthening decision strategies over the next two to three years. Decision Intelligence uses AI-powered insights to optimize and improve performance across risk and fraud operations.
Moreover, leaders are leveraging AI to address critical challenges. Respondents identified fraud detection and prevention (43%), deploying risk decisioning processes (40%), and reducing credit losses while maximizing recovery rates (31%) as top concerns.
AI Driving Personalization and Real-Time Decisions
AI and Decision Intelligence are also improving customer engagement. For example, 26% of organizations already use real-time AI-driven personalization. In addition, 44% report having advanced personalization capabilities in place.
As a result, financial institutions can deliver tailored product and service recommendations. This enhances customer satisfaction and strengthens loyalty while maintaining strong risk controls.
Challenges in AI Implementation and System Integration
Despite progress, the AI Decision Intelligence survey reveals several obstacles. Many organizations still rely on separate decisioning systems across the customer lifecycle. Consequently, 47% cited regulatory compliance or security challenges. Furthermore, 46% reported limited data flow and unified insights, and 44% pointed to increased operational costs.
When implementing AI, 44% identified compliance and governance requirements as barriers. Similarly, 44% raised concerns about AI model transparency and explainability. Another 41% highlighted integration challenges with legacy systems.
Carol Hamilton, Chief Commercial Officer at Provenir, noted that leaders are unifying decisioning across the customer lifecycle with AI that is real-time, explainable, and compliant. She emphasized that smarter risk models help prevent fraud, drive hyper-personalization, and improve customer loyalty.
Survey Methodology
The research was conducted in early December 2025 by The Harris Poll. The survey included 203 directors and senior executives across North America, EMEA, Latin America, and Asia Pacific. All respondents are responsible for deploying AI-based solutions in areas such as risk evaluation, credit approvals, fraud detection, and personalized offers.
Overall, the AI Decision Intelligence survey underscores a clear trend. Executives are investing in AI to improve fraud prevention, optimize credit risk strategies, and enable faster, smarter decision-making across the financial services ecosystem.
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