Latin American Banks Boost AI, Cloud Investment Temenos

Latin America’s financial sector accelerated its digital transformation in 2025, with investments in artificial intelligence (AI), cloud-native systems, and innovative payment solutions reshaping the industry. According to banking software provider Temenos, 77% of financial institutions in the region now invest in data analytics and AI, while 68% have implemented cloud-native systems, boosting efficiency and competitiveness.

“Latin American banking in 2025 not only accelerated its digitalization but also took decisive steps toward stronger regional integration. Instant payments, remittances, and cloud adoption shifted from trends to foundational elements of a more inclusive, agile, and connected financial ecosystem,” said Alejandro Masseroni, Regional Sales Leader – NextGen Financial Services, Temenos.

A global survey by Temenos of 424 financial leaders showed that 46% of institutions prioritized digital customer experiences, 35% focused on developing new products, and 34% emphasized operational efficiency. 

Temenos’ Money Movement & Management platform reinforced this shift by providing a unified, AI-driven system to optimize money movement and management, strengthening regional financial connectivity. The launch of Temenos Gen AI Copilot integrates AI tools into core banking, optimizing processes, enhancing decision-making, and boosting productivity. Similarly, the Temenos Financial Crime Mitigation AI Agent automates critical tasks, reduces errors, and improves operational efficiency and customer trust.

“The key lesson from 2025 is that innovation is no longer optional—it drives sector competitiveness. Banks that embraced AI, cloud technologies, and collaborative fintech models strengthened client trust and positioned themselves to lead the next wave of disruption,” said Cristian Sánchez, Vice President of Sales for Latin America, Temenos.