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AI Adoption In European Businesses: Who’s Leading The Charge?

Artificial Intelligence is gaining traction across European enterprises, but large corporations are far ahead of small and medium-sized businesses in both adoption rates and applications.

According to Eurostat, 13% of EU businesses with at least 10 employees are now using AI—a 5.5% increase from 2023. Every member state has reported growth in AI adoption, but the most significant uptake is among large companies, where 42% are leveraging the technology.

How Businesses Are Using AI

The most widely implemented AI applications vary by company size, but overall, text mining is the most common (7%), helping businesses analyze vast amounts of written content. Natural language generation, which automates text and speech creation, follows at 5.4%, while speech recognition, used for transcribing spoken language, is at 4.8%. Other notable AI technologies include deep learning and workflow automation, both of which are more prevalent in larger organizations.

AI Leaders And Laggards In Europe

Denmark tops the list in AI adoption, with 27.6% of businesses integrating the technology, followed by Sweden (25.1%) and Belgium (24.7%). On the other end of the spectrum, Romania (3.1%), Poland (5.9%), and Bulgaria (6.5%) have the lowest adoption rates.

When looking solely at large enterprises, Finland leads with an impressive 70% adoption rate. Meanwhile, France and Italy lag behind the EU average, with around one-third of their large businesses using AI. Germany (48%) and Spain (44%) are ahead of the curve, outpacing the overall EU trend.

As AI continues to evolve, businesses of all sizes will need to consider how best to integrate the technology to stay competitive in an increasingly digital landscape.

Eurobank Plans €1 Billion Investment In AI And Digital Banking By 2028

Eurobank plans to invest about €1 billion in technology from 2025 through 2028, its largest technology investment program to date. The Banking Forward strategy focuses on digital banking, artificial intelligence, customer experience and a “phygital” model combining digital services with face-to-face support.

Digital Banking Dominates Customer Activity

Digital channels already account for 96% of Eurobank transactions, with 61% completed through the Eurobank Mobile App. Among customers aged 35 and under, digital adoption reaches 94%.

Customers make about 574 million annual logins across e/m-banking and more than 1 million digital transactions each day. During the first half of 2026, one in three banking products was acquired digitally.

AI Moves Into Everyday Banking

Eurobank is expanding the use of AI through tools including EVA, its digital customer assistant, and myEVA, an AI-powered voice assistant for employees. The technology is also being applied to mortgage assessments, customer feedback analysis and contractual documents.

The bank’s technology architecture is built around five areas: digital channels, customer experience orchestration, data and AI, core banking, and infrastructure and cloud. About 50% of its applications and digital channels are already cloud-based.

Investment Extends Beyond Technology

The program is intended to reshape how Eurobank operates, combining automation and AI with employee development and human support. The bank says the approach is designed to improve services while maintaining access to face-to-face banking when customers need it.

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