Beyond AI Pilots, Artificial intelligence in banking is entering a more mature phase. Over the past several years, most institutions have focused on experimentation. Chatbots, copilots, document summarisation tools, coding assistants, and knowledge retrieval systems have demonstrated the potential of generative AI to improve productivity and enhance customer experiences. Yet despite significant investment and widespread interest, relatively few organisations have succeeded in

The banking industry has spent the last twenty years digitising itself. Branches became mobile applications. Paper processes became digital workflows. Customer interactions migrated online. More recently, artificial intelligence was introduced to improve service, automate routine tasks and enhance decision-making. Yet the latest wave of AI may prove different. The emergence of autonomous or semi-autonomous AI agents raises a much more profound question than how banks use AI i