banks and insurance companies are leaders in investments in AI / Economic news of Krasnoyarsk and the Krasnoyarsk Territory / Newslab.Ru

The financial sector ranks first in Russia in terms of the share of costs for artificial intelligence: investments reached 56.8 billion rubles – this is an absolute record for the domestic market. This was stated by Dmitry Kharitonov, CEO of the T1 IT holding at the Finopolis-2025 forum. According to him, fintech first moved to standardize technology, and within 2-3 years we can expect a real revolution in the implementation of domestic solutions.

According to scale In the “Pulse of Digitalization” study by the T1 IT holding, which covered almost 13,000 companies in the financial sector, neural network technologies are the main driver of business innovation for banks and insurance companies. Various use cases for AI are already widespread in the industry. Thus, 84% of companies that have implemented AI use natural language processing technologies – these are chatbots, voice assistants and automated document analysis. More than 70% of organizations use computer vision technologies, most often for biometric identification and document verification.

Two-thirds of financial market players have implemented speech recognition and synthesis systems, which makes it possible to automate the work of contact centers and speed up customer service. AI decision support is actively developed in the sector—intelligent assistants operate in 66% of companies that have implemented AI.

The growth of the market for AI solutions in fintech is ahead of the dynamics of other digital areas and amounts to 25% or more per year, and the total economic effect of the AI-first approach over the next 5 years can provide 1.9 trillion rubles in profit for the industry.

“A.I. — technology that can significantly transform an entire industry. The active implementation of generative models, the automation of customer services using digital agents, the widespread use of neural networks in scoring solutions and the fight against fraud, as well as the formation of full-fledged intelligent platforms are already changing business processes. In the next two to three years, we predict a significant increase in interest in similar solutions created by Russian vendors. There is already a rapid transition to domestic AI solutions, especially in the areas of risk management and personalized service. According to experts, by 2027 the largest players count on bring the share of import substitution of such technologies to 90%,” – believes Dmitry Kharitonov.

According to Dmitry Kharitonov, the key barriers to the implementation of artificial intelligence in the financial sector remain the lack of qualified specialists, restrictions on the use of public cloud services due to regulatory requirements, as well as a shortage of computing power – primarily modern GPU resources.

Experts call the staff shortage the most pressing problem: 91% Russian banks note difficulties in hiring senior-level employees in the areas of data science, machine learning and support of AI platforms. Also Difficulties arise when searching for specialists in new areas: ML and data engineers, architects and prompt engineers.