AI is the most promising technology to transform the banking space. Forty-seven percent of respondents said AI will have the biggest impact, followed by just 19% saying the same for quantum computing and 17% for distributed ledgers and blockchain. The disappointing outcome for blockchain appears to be in line with recent announcements from banks: Citi has abandoned its plans to launch a crypto and Bank of America's tech and operations chief has expressed skepticism on the benefits of blockchain. Banks' workforces appear to be at different stages in terms of tech savviness.Seventy-four percent of banking respondents either agree or strongly agree that their employees are more digitally mature than their organization, resulting in a workforce waiting for their organization to catch up. However, 17% of respondents said that over 80% of their workforce will have to move into new roles requiring substantial reskilling in the next three years, compared with only 5% saying the same for the last three years.