“Translating these expectations into time spent, the gains will be material: ten to 12 hours a week returned to each banker, which could be used to talk with more clients, improving the coverage ratio by about 40 percent (and some bankers have told us they expect a gain of up to 120 percent)—not because bankers…
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From Branches to Bots: Will AI Agents Transform Retail Banking?
“The talk still outpaces the walk, but there are strong reasons to believe that leading retail banks will move toward an AI-first technology foundation and operating model. In addition to the profit potential and margin squeeze cited above is the simple, yet substantial, risk of inaction. Even if only some retail banks successfully embed AI…
Deep Dive: The Agentic AI Era in Banking
“For customer experience, the implications are just as exciting. Banks have talked about personalization forever, but agentic AI makes hyper-personalization feasible. Instead of segmenting customers into broad buckets, you can serve a ‘segment of one’, truly tailoring offers and advice to each individual in real time. AI agents will crunch through data to understand each customer’s…
AI in Banking: An Advanced Overview
“The Future of AI in Banking in 2026 and Beyond – Looking ahead, Silva sees banking AI investment shifting from cost savings to innovation. ‘Almost 75% of the spend is around automating business processes or automating task processes,’ he says. By 2028, he expects more than half of AI budgets to fund new products and…
The Three Keys to AI in Banking: Compliance, Explainability and Control
“If you look back over the last 20 years, technology has fundamentally reshaped nearly every industry — financial services included… Artificial intelligence is doing the same today. The difference is that banks don’t have the luxury of chasing trends or rolling out features for the sake of novelty. They operate under a mandate of trust,…