by Julian Trotinsky, Global Director of Solutions Engineering, Gresham
As financial services navigate a rapidly changing environment, enterprise data management and automation are emerging as critical drivers of transformation. In 2025, firms face unprecedented opportunities and challenges as they adapt to surging data volumes, evolving technologies, and shifting market dynamics. This article explores the most significant trends shaping the world of financial services data as we advance through 2025 and beyond, while looking at how institutions can leverage them to secure their future and build long-term success.
The data explosion and modernisation mandate
The financial services sector is grappling with an unrelenting surge in data volumes. Over the past decade, financial services firms have witnessed an annual surge in data production and consumption, driven by regulatory demands, digital transformation, and the proliferation of new data sources.
I’d expect to see an increase of at least 10% in data volumes over the next 12 months, fuelled by ongoing innovation and increased reliance on data-driven decision-making. Managing this explosion requires more than just capacity, it demands robust data governance and scalable infrastructure. Firms that fail to modernise risk falling behind in a landscape where efficient data utilisation is directly tied to competitiveness.
Addressing this challenge involves embracing data modernisation initiatives. Legacy systems are no longer adequate to support the demands of a fast-paced, data-centric environment. Financial institutions are turning to cutting-edge architectures like data fabrics and meshes, which enhance interoperability and allow seamless sharing and governance of information. By breaking down silos and enabling real-time access to data, these innovations lay the groundwork for greater agility, efficiency, and future-proofed operations.
Modernisation is also critical to preparing for real-time data capabilities, which are becoming a strategic necessity. Regulatory mandates such as T+1 settlement in Europe are driving the need for instantaneous reconciliation and analytics. Beyond compliance, real-time infrastructure empowers firms to make faster, more informed decisions, mitigating risks and responding to market shifts with precision. Institutions that invest in this area will gain a competitive edge in an industry where speed and accuracy are paramount.
AI, generative tools, and the shift toward practicality
Artificial intelligence (AI) and machine learning (ML) are no longer experimental technologies, they are becoming integral to financial services. From anomaly detection to predictive analytics, AI is enabling firms to improve efficiency, enhance customer insights, and uncover opportunities. However, 2025 may see a shift in focus as the industry moves past hype and concentrates on practical, ROI-driven applications. Firms that succeed will prioritise scalable solutions that deliver measurable value, rather than chasing unproven concepts.
Generative AI is emerging as a particularly transformative tool. By enabling dynamic, conversational access to insights, it transcends the limitations of traditional business intelligence and reporting tools. Decision-makers can now navigate complex datasets with ease, fostering greater agility and precision. As generative AI matures, it promises to redefine enterprise analytics, unlocking new levels of efficiency and innovation.
This AI evolution ties directly into the broader data modernisation agenda, as outdated systems often lack the capability to support advanced analytics and AI tools. Integrating these technologies into modernised infrastructure ensures firms can harness their full potential while maintaining scalability and compliance.
Strategic adaptation in a competitive landscape
Beyond technological advancements, financial institutions must navigate broader strategic shifts driven by economic pressures and competitive dynamics. For non-US firms, rising costs and global turbulence are presenting significant challenges. The dominance of US players has led to a wave of consolidation in Europe, with mergers and partnerships becoming critical for survival. Institutions are increasingly focusing on core competencies, streamlining operations, and reallocating resources to areas with clear strategic value.
At the same time, digital currencies and decentralised finance (DeFi) are moving into the mainstream. These technologies challenge traditional models, forcing firms to rethink their data management pipelines. Decentralised transactions require infrastructure that ensures robust security, scalability, and compliance. Firms that adapt successfully to this systemic shift will not only remain competitive but also position themselves as leaders in the evolving digital economy.
The regulatory environment is another area of intense focus. Frameworks such as the EU AI Act are expanding the scope of data governance, requiring firms to oversee not just traditional data management but also AI systems and emerging technologies. Fairness, accountability, and transparency must now be integral to governance practices. Financial institutions that adopt a proactive approach will safeguard their operations and reputation while ensuring alignment with evolving regulations.
Looking ahead
The financial services industry is at a turning point. Surging data volumes, the maturation of AI and generative tools, and the rise of digital currencies are transforming how institutions operate. Success will depend on the ability to modernise infrastructure, embrace real-time capabilities, and navigate economic and regulatory complexities. Institutions that rise to these challenges will unlock new opportunities to drive innovation, efficiency, and growth in an increasingly competitive and data-driven world.