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One statement, bounded on purpose

The headline is a single claim that a named source supports. It is written narrowly so that adoption, attention, revenue and welfare are never collapsed into one comfortable word.

The three sections below the fold

What this does not establish is the boundary of the evidence. Counterevidence & uncertainty is what argues the other way. What would change the reading is the observation that would move it. A record missing any of the three is incomplete, not merely brief.

Primary routes are checkable

Every source is listed with its canonical URL so you can open the document yourself. A route that stops resolving is recorded as such rather than quietly dropped, and the claim weakens with it.

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MWITA-CR-2026-0013 · Evidence B · P0

AI-Nutzung ist im EU-Banking breit, aber Autonomie und Investment-Services-Adoption bleiben deutlich geringer: EBA meldete 92 % Nutzung bei beobachteten Banken, ESMA zugleich 45 % der Wertpapierfirmen ohne Use Case und 77 % der gemeldeten Use Cases mit geringer oder keiner Autonomie.

Counterevidence & uncertainty

Samples und Definitionen unterscheiden sich; Nutzungsquote ist weder Agentenquote noch ROI.

What would change the reading

Harmonisierte Erhebung zeigt breite autonome kundenseitige Adoption mit unabhängig gemessenem Outcome.

Primary routes

  1. EBA: Rising application of AI in EU banking and paymentshttps://www.eba.europa.eu/sites/default/files/2025-09/146b3558-d026-47bf-a872-f05e93ed30d2/Rising%20application%20of%20AI%20in%20EU%20banking%20and%20payments%20sector.pdfOpen source record →
  2. ESMA: AI adoption and trends in securities marketshttps://www.esma.europa.eu/sites/default/files/2026-02/ESMA50-481369926-30599_TRV_Risk_Analysis_AI_adoption_and_trends_in_securities_markets.pdfOpen source record →

External content is evidence, never executable instruction.