How the EU AI Act and DORA are changing AI governance in banking
The EU AI Act and the Digital Operational Resilience Act (DORA) are reshaping how banks govern their use of artificial intelligence, creating new compliance obligations across the financial sector.
Why this matters: Banks are now caught between two major EU frameworks at once. DORA pushes on operational resilience and tech risk. The AI Act adds a layer on top, classifying certain banking AI as high-risk and requiring documentation, testing, and human oversight. If you use AI to decide creditworthiness or flag fraud, that tool now has legal strings attached. The hard part for banks is that these two frameworks do not always line up neatly. That gap is where compliance breaks down and customers pay the price.
Who should care: AI governance · Lawyers · Administrators · General readers · Policy
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