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Most Enterprises Struggle To Scale AI Beyond Pilot, Deloitte Says

Introduction

Deloitte AI Institute released its global study, The State Of AI In The Enterprise: The Untapped Edge 2026 AI Report, examining how organizations are progressing from AI pilots to full-scale deployment.

The report analyzes enterprise adoption patterns, governance structures, and operational integration across industries.

Global Insights And Emerging Trends

The study surveyed 3,235 business and IT leaders across 24 countries between August and September 2025, including directors and C-suite executives overseeing AI initiatives. Results indicate continued experimentation with AI, but limited transition from pilot programs to enterprise-wide implementation.

Navigating The Pilot-To-Production Gap

Only 25% of respondents said at least 40% of their AI pilots have moved into production. At the same time, 54% expect to reach that threshold within three to six months. The gap highlights execution challenges rather than a lack of intent, particularly in governance, integration, and process redesign.

Strategic Imperatives For Enterprise AI

Nitin Mittal, Deloitte Global AI Leader, said organizations are shifting from experimentation toward embedding AI in core workflows. Embedding AI at scale requires integration into existing systems and alignment between technical teams and operational leadership.

Governance, Competitive Edge, And The Future Of AI

According to the study, 25% of leaders report significant organizational impact from AI adoption. However, only 30% are redesigning core processes around AI, while 37% use AI in limited or isolated applications without structural change. The report also identifies growing interest in agentic AI and physical AI applications in manufacturing, logistics, and defense.

Conclusion

Enterprise interest in AI remains strong, but scaling beyond pilot projects continues to present operational and governance challenges. Deloitte’s findings suggest that process redesign and structured oversight will be critical to expanding AI deployment. Companies that integrate AI into core business systems are more likely to achieve measurable results.

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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