A new global survey sponsored by Provenir reveals that 60 percent of credit risk and fraud executives worldwide plan to make AI and Decision Intelligence their top investments in the year ahead. The findings highlight the growing reliance on these technologies to enhance decision-making agility, combat fraud, manage credit risk, and deliver personalized customer experiences.
The survey identifies the AI capabilities providing the most immediate benefits in credit risk and fraud management. The ability to use Generative AI for natural language queries stands out, with 51 percent of respondents citing it as a high-value feature. Nearly half (49 percent) emphasize real-time decisioning across all customer touchpoints. Additionally, 62 percent consider quick interaction with data via natural language queries to be very important for operational efficiency.
Decision Intelligence—leveraging AI-powered insights to understand and optimize decisioning strategies—is viewed as highly valuable by 77 percent of respondents for the next two to three years. This approach enables financial institutions to achieve faster, smarter risk models while maintaining compliance and transparency.
Executives identified several persistent challenges in their decisioning processes. Fraud detection and prevention tops the list at 43 percent, followed by developing and deploying effective risk decisioning processes at 40 percent, and reducing credit losses while maximizing collections recovery at 31 percent.
AI and Decision Intelligence are addressing these issues by enabling more agile and data-driven responses across the customer lifecycle.
Organizations are increasingly using AI to deliver tailored recommendations. Currently, 26 percent employ real-time, AI-driven personalization, while 44 percent have implemented advanced personalization capabilities to better serve customers based on relevant data insights.
A significant portion of respondents highlighted challenges arising from siloed or separate decisioning systems across the customer journey. These include regulatory compliance or security issues (47 percent), lack of seamless data flow and unified insights (46 percent), and increased operational costs (44 percent).
Additional hurdles in implementing AI include compliance, governance, or regulatory requirements (44 percent), lack of transparency or explainability in AI models (44 percent), and integration difficulties with legacy systems (41 percent).
"Our annual research continues to track the major trends in decisioning and key technologies that are creating meaningful impact and driving value. This year's findings show leaders realize the potential of decision intelligence for faster, smarter risk models and insights to best serve customers," said Carol Hamilton, Chief Commercial Officer, Provenir. "Leaders are unifying decisioning across the customer lifecycle with AI that is real-time, explainable, and compliant – and delivering insights to help prevent fraud, drive hyper-personalization, and deepen customer loyalty."
The survey, conducted by The Harris Poll in early December 2025, included 203 respondents from North America, EMEA, Latin America, and Asia Pacific. Participants held director-level or higher positions and were responsible for deploying AI-based solutions in risk evaluation, credit approvals, fraud detection, or personalized offers across banking, credit unions, financial services, fintech, insurance, wholesale, retail, or telecommunications sectors.
About Provenir
Provenir is redefining how leading enterprises manage risk, personalize customer experiences and drive growth with Decision Intelligence. Provenir’s single Decision Intelligence platform brings together data, models and agents to enable continuous optimization of customer decisions and faster deployment of business strategies. Solutions for credit risk, fraud and customer management are unified in one platform, providing a holistic approach to customer intelligence. Trusted by the world’s leading financial services providers, Provenir is at the heart of mission-critical operations in over 60 countries, processing more than 4 billion transactions annually.
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