Report 22 Dec 2025

Banking - InSight Analysis - Netherlands

The Dutch banking sector IT investment is surging in 2025/2026, driven by regulatory compliance, cybersecurity, cloud adoption, and fintech competition. With infrastructure and project services growing by over 5%, banks are accelerating digital-first strategies to enhance customer experience and operational efficiency.

Key Drivers of Growth

Open banking & embedded finance
Regulatory compliance
Know Your Customer (KYC)
Cybersecurity
GenAI and Agentic AI

Competitive landscape

The sector remains dominated by major players ING, Rabobank, and ABN AMRO, controlling 74% of assets. Smaller, customer-centric banks like De Volksbank maintain a strong reputation. Digital and cloud-native banks, such as Bunq and N26, push traditional banks to innovate rapidly.

Digital & Cloud Innovation

Expansion of open banking practices with APIs improving multi-bank account management
Adoption of GenAI and AI-driven automation for personalized customer support
Hybrid cloud strategies balancing regulatory needs and scalability
Investments in AI risk management aligned with upcoming EU AI regulations

Enhanced Customer Experience

Banks focus on personalized and seamless digital journeys:

ING’s conversational AI reduces operational costs and improves customer satisfaction
ABN AMRO’s rapid launch of BUUT targets Gen Z with innovative neobank features
Rabobank enhances customer journeys through agile, data-driven services
De Volksbank enhances data platforms for real-time customer insights

Future Outlook

The Dutch banking sector IT investment emphasizes:

Modernizing payment systems for instant payments compliance
Strengthening cybersecurity and fraud prevention with AI tools
Driving operational efficiencies through process automation

This necessary digital transformation makes the Dutch banking sector IT investment a cornerstone for future growth, resilience, and customer-centric innovation in the evolving financial landscape.