Finance Sector Accelerates Through Digital Transformation
The financial sector in Italy is undergoing significant digital transformation, according to a recent study by Cetif Research and Reply. Released on February 4, 2026, the research assesses the digital maturity and governance models within this sector.
Key Findings on Digital Transformation in Finance
The study reveals that over 65% of financial institutions now view IT as a core component of their industrial strategy. This shift indicates a move beyond IT as merely a support function, marking an important progression in digital transformation.
IT Strategy’s Evolving Role
- IT infrastructure will significantly evolve over the next five to ten years.
- Hybrid models are expected to dominate, emphasizing cloud solutions.
- Data platforms will be central to both internal operations and customer services.
Paolo Gatelli, Senior Research Manager at Cetif, anticipates that automation, artificial intelligence (AI), and modular architectures will redefine operational frameworks. Institutions are adopting technologies like advanced machine learning tools and intelligent observability solutions to streamline operations.
Operations: The Engine of Digital Change
The research also highlights that 72% of financial institutions identify Operations as the primary driver of innovation. Investments are directed towards enhancing core processes that directly impact customer interactions.
IT Demand Trends
There’s a clear trend in IT demand, especially in Operations, Marketing, and Customer Service. More than 75% of IT requests are evolutionary, focusing on developing new functionalities and enhancing scalability. In contrast, governance processes see a more balanced mix of corrective and evolutionary demands.
Challenges to Digital Transformation
Despite advancements, nearly 80% of firms cite regulatory complexities and lengthy implementation timelines as significant barriers to digital transformation. High integration costs and data quality issues further complicate these efforts.
AI and Automation Adoption
Currently, Generative AI remains underutilized, with less than 20% of institutions employing it in core processes. In contrast, robotic process automation (RPA) is successfully utilized by over 60% of institutions, primarily in Operations.
Migrating to Hybrid Architectures
While about 55% of financial institutions still operate on-premises models, hybrid architectures are on the rise, encompassing about 45% of infrastructures. The transition to the cloud introduces new challenges in governance and integration, but remains a priority for enhancing agility.
Addressing Technical Debt
Migration to cloud environments is hindered by technical debt and security concerns, with over 60% of institutions reporting these as major obstacles. However, these issues are gradually diminishing, attributed to improved infrastructure and a growing skill set within the industry.
Conclusion
This study underscores that the finance sector in Italy is committed to advancing its digital transformation journey. By improving IT strategies, enhancing operational efficiency, and addressing existing challenges, financial institutions are paving the way for a more integrated and agile future.
