Overlay
This image shows two people wearing hard hats and high visibility jackets in an industrial setting and looking at a tablet device.

How business adoption of AI can power UK economic growth

Businesses are at different stages of adoption

At a glance

44% of businesses are already using AI.

Information Message

Business size matters more than location when it comes to AI adoption.

Information Message

Closing the adoption gap will be critical to unlocking UK growth.

Information Message

Our research suggests that AI adoption across businesses is best understood as a series of stages, ranging from emerging adopters to transforming adopters at the most advanced stage. This chapter deep dives into the 44% of businesses already using AI. Within this group, businesses fall into five maturity stages, reflecting how broadly and deeply AI is embedded across their operations. 

This mirrors the wider pattern across UK businesses: the firms making the greatest progress are combining technology adoption with organisational readiness, investment and management choices to move from experimentation to business-wide transformation. Scale is an important part of this picture: headcount alone explains 39% of the variation in AI maturity, compared with just 8% for region.

UK growth will depend on adoption across every region

It is businesses, entrepreneurs and communities that ultimately decide how quickly AI is adopted and where the benefits are felt.

This means the growth opportunity is not confined to major technology centres. There is clear potential across every nation and region of the UK. Indeed, our research suggests that geography alone is not a major factor determining AI maturity. Region explains only 8% of the variation between similar firms in AI use, compared with 39% for headcount and 24% for turnover.

Information Message

Barriers to wider AI adoption by businesses

Skills gaps

Many businesses lack the digital skills needed to deploy AI confidently, with access to the right skills and investment capacity emerging as key differentiators in AI maturity.

Concerns about cost

Smaller firms are often constrained by budgets, relying on low-cost, free or bundled AI tools, while larger businesses are more likely to have dedicated AI investment.

Uncertainty about which tools to use

Many organisations are still working out which AI tools will deliver the greatest value and how to move from isolated pilots to wider business adoption.

Limited in-house technical expertise

Organisational readiness and management choices are proving just as important as sector or size in determining whether businesses can scale AI effectively.

Questions about security, trust and governance

Businesses also need confidence that AI can be introduced responsibly, with appropriate oversight, governance and safeguards as adoption becomes more embedded across operations.

AI adoption across the UK

Businesses across every nation and region report positive outcomes from AI adoption, including stronger efficiency, innovation and commercial performance. While the specific benefits vary between places, the findings suggest AI is already supporting growth across the UK in ways that reflect the strengths of local economies.

How Wales-based Academii is harnessing AI

AI-powered learning platform, Academii, supported through our Cardiff Accelerator, is helping organisations close skills gaps and future-proof their workforce. It uses AI to develop virtual simulations for people working in operational roles to practice skills in safe environments.

How we are helping businesses move from experimentation to impact

If the UK’s economic opportunity depends on meaningful adoption, helping more businesses build the confidence and capability to adopt AI becomes an economic as well as a technological challenge.

NatWest’s role goes beyond providing finance. Helping the UK capture the benefits of AI requires support at two levels. First, helping businesses adopt AI, build skills and invest in the tools they need to become more productive and competitive. Second, supporting the innovators, entrepreneurs and early stage businesses developing the next generation of AI solutions that will help businesses grow, solve customer challenges and strengthen the UK's AI economy.

The bank increasingly helps bring together businesses, expertise, networks and opportunities, allowing customers to access the support they need to grow.