EBA’s 2025 Factsheet, AI Act: Implications for the EU Banking and Payments Sector, urges banks to enforce strict governance, transparency, and accountability for high-risk AI in credit scoring

The EBA’s analysis identifies that AI systems commonly used by banks — such as those for evaluating creditworthiness, pricing, customer clustering and transaction monitoring — fall under the high-risk category of the AI Act and must comply with obligations including rigorous documentation, risk-management procedures, post-deployment monitoring and log-keeping. While the EBA finds no fundamental conflict..