Corporate and investment banks (CIBs) are entering a high-stakes inflection point as 85% of their clients plan to shift business to non-bank financial institutions over the next year. According to Capgemini’s inaugural World Corporate and Investment Banking Report 2026, the primary driver is a widening service gap; while 58% of corporate treasurers demand real-time responsiveness, only 23% believe their current banking partners meet that requirement. This dissatisfaction is compounded by technical friction, with 92% of clients reporting that a lack of integration between banks and ERP systems forces them into manual workarounds.
Internal structural issues are preventing traditional lenders from mounting a rapid defense. Currently, 43% of CIB technology budgets are consumed by maintaining legacy systems, while 61% of executives report being hamstrung by rising compliance costs. These headwinds have directly impacted the bottom line, with revenue growth forecasts for the sector dropping to 5.4% through 2030, down from the 6.5% growth seen earlier in the decade. Furthermore, 82% of executives admit their recent innovation programs have failed to generate new revenue streams.
The sector's struggle to implement AI at scale is emerging as a critical competitive disadvantage. Despite heavy investment, only 26% of banks have established centralized AI oversight, leading to a "pilot purgatory" where teams are hesitant to automate core business processes. Catherine Chedru-Refeuil, Capgemini’s Global Head of CIB, noted that non-banks are rapidly closing the gap by offering the transparent, AI-driven solutions that established banks are currently struggling to move beyond the testing phase.
