A survey by global financial services provider Apex has found that 85% of respondents say AI is now fully embedded into their private credit activities. The data covers responses from 105 senior leaders in the industry, with the majority reportedly being C-suite executives.
The research also highlights that 94% of respondents consider AI critically or very important to making private credit accessible to non-institutional investors.
Despite strong adoption, the report identifies a gap between perceived embedding and achieved transformation. While many firms have deployed AI tools, Apex says that fewer have redesigned the underlying processes, data flows, and governance structures required to integrate those tools into day-to-day decision-making.
Over 60% of respondents expect technology investment in operations to increase by 20% to 50% over the next three years, with nearly half expecting to direct between 50% and 75% of technology budgets towards AI capabilities.
