Executive Summary
UK banks are facing a paradox. Investment in digital infrastructure, cloud platforms, and AI-enabled services is at an all-time high. Yet service outages, regulatory pressure, and customer churn remain persistent.
Between September and December 2025, Forfusion spoke with senior banking leaders to understand what’s really happening. Across organisations of every size and maturity, one sentiment surfaced repeatedly:
"We’re spending more than ever, but we still don’t know where our risks are."
The Bank of England's December 2025 Financial Stability Report (BoE FSR) warns that "elevated geopolitical tensions, policy fragmentation, and sovereign-debt pressures" are an increasing threat to UK financial stability. Banks must navigate volatile credit spreads, cross-border disruption, and sudden market shocks, yet many CIOs still lack end-to-end visibility across internal and third-party transaction flows, undermining effective stress testing.
Download Industry Report: UK Banking Insights
Infrastructure, resilience, and strategic priorities.
DownloadWhy read this report?
This report explores why fragmented tools, legacy infrastructure, and outdated assumptions continue to undermine resilience despite significant investment. It also examines what leading institutions are doing differently and why those decisions are delivering measurable improvements in stability, efficiency, regulatory confidence and customer satisfaction.
Our aim is simple: to provide clear, executive-level insight into how banks can strengthen operational resilience, reduce regulatory exposure, and build technology environments that deliver tangible business outcomes.
