(Gen)AI and data use in Luxembourg survey 2025

The (Gen)AI and data use in Luxembourg survey 2025 reveals a country navigating innovation, compliance, and capability gaps.

Now in its fourth edition, the (Gen)AI and Data Use in Luxembourg Survey was conducted from February to March 2025. For the first time, the survey was opened to public responses and strategically expanded to include financial sector stakeholders through collaborations with ABBL (The Luxembourg Bankers’ Association) and ACA (Association of Luxembourg Insurers and Reinsurers).

As generative AI (GenAI) reshapes industries at an unprecedented pace, Luxembourg is positioning itself at the heart of this transformation. The latest (Gen)AI and Data Use in Luxembourg Survey 2025- “from experimentation to execution” conducted by PwC Luxembourg in collaboration with ABBL and ACA, reveals a significant evolution: organisations across sectors are shifting from early exploration to embedding AI into day-to-day operations. The 2025 edition attracted a record 101 respondents, 74 of whom were from Luxembourg’s financial sector, offering the most statistically robust and cross-sectoral snapshot to date of AI and data practices in the country. This comprehensive overview allows for the assessment of not only how (Gen)AI is already reshaping day-to-day operations but also how organisations are preparing for the EU AI Act, the world’s most ambitious AI regulatory framework.

A sampling of key takeaways

Methodology used: From February to March 2025, PwC asked the public, in coordination with ABBL and ACA, to respond to the 2025 survey on the use of data and AI in Luxembourg – the fourth edition since 2019. Overall, 101 responses could be collected throughout this period. The respondents cover a diverse range of functions within their organisations.

This press release offers a sample of only some of the rich insights gathered via the survey. For a more thorough analysis please download the full :

Thierry Kremser. Advisory Partner, Deputy Advisory & Technology Leader, PwC Luxembourg.

“Luxembourg stands at a crucial moment where AI ambition, regulatory certainty, and market readiness converge. Organisations that act decisively now – building both technical capabilities and valuable use cases – will define the next chapter of our digital economy.”

Andreas Braun, Director Artificial Intelligence & Data Science at PwC Luxembourg

“The ambition of the government on AI is very clear, with several billion earmarked for AI innovation – our data shows it is the right time. We’re seeing organisations move from experimentation to execution at unprecedented speed, ensuring that this persists and turns into real economic gains should be a priority.”

Ananda Kautz, Member of the Management Board (Innovation, Payments, Sustainability) at ABBL

“We are delighted to see the progress made by our members in adopting GenAI confirmed by the results of this study. Banks manage a huge amount of data. Increased use of GenAI will enable great strides to be made in automating processes and personalising services.”

Sarah Hartmann, Conseillère juridique chez ACA Luxembourg

“For Luxembourg’s insurance sector, generative AI is gradually moving from concept to practice — and it’s becoming a game-changer. Insurers are shifting from experimentation to real transformation. It opens the door to smarter underwriting, hyper-personalised customer journeys, and radically more efficient operations. Those who act decisively now will help define the future of insurance.”

Notes to editors

About the ABBL

The ABBL’s mission is to promote the sustainable development of regulated, innovative, and responsible banking. The ABBL is the largest and oldest professional association in the financial sector. It represents the banking sector in the broadest sense, i.e., the majority of banks established in Luxembourg, as well as regulated financial intermediaries and others in the sector including law firms, consultancies, auditors, market infrastructures, electronic money, and payment institutions. The ABBL provides its members with the information, resources, and services they need to operate in a dynamic financial market and an increasingly complex regulatory environment. It is an open platform for discussing key industry issues and defining common positions across the sector. www.abbl.lu

About ACA

The Association of Insurance and Reinsurance Companies of the Grand Duchy of Luxembourg (ACA) is an association created in 1956 to defend professional interests and promote the Luxembourg insurance and reinsurance sector.

ACA has 139 members. Luxembourg insurance is characterised by its resolutely international orientation and its specific and unique expertise in the protection of people and property.

For further information on ACA, please visit www.aca.lu

About PwC

PwC Luxembourg (www.pwc.lu) is the largest professional services firm in Luxembourg with over 3,800 people employed from 90 different countries. PwC Luxembourg provides audit, tax and advisory services including management consulting, transaction, financing, and regulatory advice. The firm provides advice to a wide variety of clients from local and middle market entrepreneurs to large multinational companies operating from Luxembourg and the Greater Region. The firm supports its clients in creating the value they are looking for by contributing to the smooth operation of the capital markets and providing advice through an industry-focused approach.