The Future of Banking: Agentic AI’s Transformative Role
▼ Summary
– Adapting to agentic AI is essential for organizational survival, as it distinguishes successful firms from those left behind.
– Companies must adopt new technical capabilities and rearchitect operations to remain competitive in the evolving landscape.
– A 2025 survey found 70% of banking executives report their firms use agentic AI, with 16% in deployment and 52% in pilot projects.
– Agentic AI is highly effective in improving fraud detection (56%) and security (51%), according to banking leaders.
– Additional strong use cases include reducing costs and increasing efficiency (41%) and enhancing customer experience (41%).
The ability to adopt and integrate new technical capabilities is becoming a decisive factor in determining which financial institutions will thrive and which will fall behind. According to Murli Buluswar, head of US personal banking analytics at Citi, organizations must recognize that the future of work will be fundamentally reshaped by technologies like agentic AI. This shift isn’t just about automation, it’s about reimagining how banking operates from the ground up.
A recent survey of 250 banking executives reveals that agentic AI is no longer a futuristic concept but a present-day reality. Seventy percent of leaders confirmed their firms are already using agentic AI in some form, whether through active deployments or ongoing pilot programs. The technology is demonstrating significant value across multiple functional areas, with more than half of executives reporting notable improvements in fraud detection and security enhancements. Additional high-impact applications include driving operational efficiency and elevating customer satisfaction, both cited by 41% of respondents.
The momentum behind agentic AI reflects a broader industry acknowledgment that standing still is not an option. Institutions that hesitate to modernize their workflows and empower their teams with intelligent systems risk losing competitive ground. As the financial sector continues to evolve, embracing these tools isn’t merely advantageous, it’s essential for long-term relevance and resilience.
(Source: Technology Review)
