AI adoption in banking: Enabling workforce for innovation

Agentic AI Is Transforming Bank Operations Artificial Intelligence in banking is evolving beyond chatbots and analytics dashboards. We’re entering the era of Agentic AI — intelligent systems that not only automate processes but also analyze data, make contextual decisions, and take actions under human supervision. According to a recent global report, nearly 70% of banks are already experimenting with or implementing Agentic AI. These systems are being embedded directly into core banking workflows — from loan approvals and transaction monitoring to regulatory compliance and customer service. Unlike traditional automation, Agentic AI doesn’t just follow scripts. It can learn from data patterns, evaluate risks, detect anomalies, and even recommend next steps — acting as a virtual team member that continuously improves. The result? • Faster decision-making • Reduced human error • More personalized banking experiences • Greater efficiency in risk and compliance processes Yet, despite all the progress, a big question remains: Are banks ready to trust AI with decisions that once required human judgment? As AI becomes the starting point of process design, not an afterthought, financial institutions will need to redefine what collaboration between humans and intelligent systems really means. 💬 What’s your view? Will “Agentic AI” make banking smarter and safer — or does it risk losing the human touch? #AI #Banking #FinTech #DigitalTransformation #BusinessInnovation #Finance #Armenia #BankingTrends #AgenticAI

Compliance continues to dominate bank budgets, while AI remains largely focused on driving efficiency rather than growth. At the same time, legacy systems continue to slow transformation, making it harder for banks to innovate at the speed of fintech challengers. Yet one truth is clear, AI is no longer optional. It has become the foundation of future-ready banking. The next decade will belong to institutions that climb the AI ladder fastest, those that move from automating workflows to building AI-driven business models that deliver true customer and business value. 🔗 Read the full story: The AI Imperative — Rethinking Banking Strategy for 2030 #AIinBanking #DigitalTransformation #FinancialServices #BankingInnovation #Tagit

🚀 The Era of “AI-First Banking” Has Begun Banks once raced to be “mobile-first” or “cloud-first.” Today, the next competitive frontier is “AI-first.” Across Asia, financial institutions are rethinking how value is created — from customer engagement and credit risk to wealth management and compliance. What’s emerging isn’t just incremental efficiency — it’s a new intelligence layer built into every product, process and decision. 🌏 Example Vision Statement “By 2028, our bank will operate as an AI-driven institution — where every employee is augmented, every customer interaction is personalized, and every decision is explainable.” 🇻🇳 7 Ways for Vietnamese Banks to Approach an AI-First Vision: 1️⃣ Data-First: Build the Digital Nerve System Unify fragmented data across systems into a governed data lake. ✅ Outcome: Trusted, connected foundation ready for AI & analytics. 2️⃣ Customer-Journey-First: Humanize Banking with AI Use AI for RMs, personalize insights, and apply Vietnamese NLP. ✅ Outcome: Stronger engagement and customer loyalty. 3️⃣ Process-First: Simplify Operations Automate KYC, compliance, and fraud detection with AI + RPA. ✅ Outcome: Lower OPEX, faster decisions, fewer errors. 4️⃣ Platform-First: Make AI Reusable Create internal AI platforms with shared APIs and governance. ✅ Outcome: Scalable AI service layer across all business lines. 5️⃣ Ecosystem-First: Partner for Scale Collaborate with fintechs, join SBV sandboxes, and open APIs securely. ✅ Outcome: Faster innovation and ecosystem growth. 6️⃣ Risk-and-Compliance-First: Build Trust Apply explainable AI, bias monitoring, and governance boards. ✅ Outcome: Regulator-trusted and transparent AI framework. 7️⃣ Talent-and-Culture-First: Think AI Train leaders in AI fluency, create AI Guilds, and reward innovation. ✅ Outcome: A culture that embraces continuous learning and AI-driven growth. In Vietnam’s rapidly digitizing economy, AI-First Banking isn’t a technology race — it’s a mindset shift. The winners will be those who can combine regulatory trust, local data context, and global AI capability to deliver intelligent, inclusive financial services. #AI #Banking #Vietnam #DigitalTransformation #FSI #GenerativeAI #AWS #AIinBanking #AIFirst #FinancialInnovation

Banking isn’t just about managing money anymore it’s about delivering effortless experiences. Neobanks are showing how. Traditional BFSI already has what it takes — trust, scale, and reach. Now it’s time to add speed and simplicity. #DigitalTransformation #BankingReimagined #BFSI #FintechInnovation #AI #Neobanking #ParamatrixTechnologies

Banking isn’t just about managing money anymore it’s about delivering effortless experiences. Neobanks are showing how. Traditional BFSI already has what it takes; trust, scale, and reach. Now it’s time to add speed and simplicity. #DigitalTransformation #BankingReimagined #BFSI #FintechInnovation #AI #Neobanking #ParamatrixTechnologies

AI in Operations & AI in Payments: From Predictive Alerts to Smart Reconciliation. Artificial Intelligence in banking isn’t about buzzwords it’s about operational intelligence. Imagine predicting failed transactions before they occur, or reconciling thousands of daily payments within minutes. AI is enabling exactly that making payments smarter, not just faster. Incorporating AI-led process automation is helping banks achieve accuracy, efficiency, and stronger risk control. #AIinBanking #Automation #DigitalTransformation #Payments #Fintech

Is AI the holy grail for banks to catch up to fintech's innovative prowess? During this year's Sibos, Callum Williams spoke to Capgemini's Gareth Wilson and Elias Ghanem on why 'PayTechs' have taken over the merchant market from banks, and why AI is at the heart of this. Agentic AI has increasingly become more of a talking point for many traditional finance institutions, and could hold the key for banks to rapidly automate its processes, including onboarding, KYC checks and more. Wilson and Ghanem explore why it is crucial for banks to understand why they are applying Agentic AI and not just to demonstrate to customers and clients they are innovate aimlessly. Payment Expert goes in-depth over the AI conundrum facing not just banks, but customers as they seek for a greater personalised experience. Read the full-length feature down below 👇

Thank you Payment Expert and Callum williams for your coverage of the Capgemini World Payments report 2026. As you very well mentioned it, Innovation is moving faster than ever. The report highlights the widening gap in tech adoption between banks and #PayTechs, especially in #GenAI, #SoftPOS, and #PaymentOrchestration. While PayTechs scale rapidly, banks must accelerate transformation to remain competitive. You can find out more here https://lnkd.in/eWbt6YqJ #WPR2026 #payments #innovation Jeroen Hölscher Gareth Wilson Fahd Pasha

Bank of America's AI assistant hit 3 billion interactions. Most banks are still debating whether to start. The gap is widening. New research from Creatio and Wipfli reveals a striking reality: 87% of financial institutions plan to deploy AI agents within 18 months. The numbers tell the story: • 92% of global banks already use AI in at least one core function • AI-powered chatbots handle 70-85% of retail banking queries • Banks see 30% productivity boosts in back-office operations • Industry profits could jump 9% ($170 billion) by 2028 But here's what matters most: this isn't about replacing people. It's about empowering them. AI agents help frontline staff deliver better customer experiences. No-code platforms let teams build solutions without waiting for IT. 60% of financial firms already use no-code tools. The rest are catching up fast. The leaders aren't just moving quickly. They're moving thoughtfully. Strong guardrails for security and compliance remain non-negotiable. As one executive put it: "True transformation empowers people at every level." The question isn't whether AI will reshape banking. It's whether your institution will lead or follow. What's holding your organization back from AI adoption? #AIinBanking #FinTech #NoCode 𝐒𝐨𝐮𝐫𝐜𝐞: https://lnkd.in/eUSTnMan

#AI Could Erode $170B in Global Bank Profits, McKinsey Warns Artificial intelligence could reduce global #banking profits by up to $170 billion annually if lenders fail to adapt to a future led by autonomous AI agents, according to #McKinsey & Company’s Global Banking Annual Review 2025. The consultancy said emerging “agentic AI” systems — intelligent assistants that autonomously manage payments, transfers, and investments — could shrink profit pools by 9%, undermining revenue from deposits and credit spreads. As consumers increasingly rely on personal AI to optimize finances, banks risk losing their traditional income margins. McKinsey urged institutions to adopt an “agentic-first” strategy, embedding AI personalization into every customer interaction and partnering with fintechs and data providers. Banks that evolve early could unlock up to $340 billion in new annual value, offsetting potential losses. 👉 Why it matters: AI is poised to become both the biggest profit accelerator and the greatest existential threat to the banking industry in the coming decade. Source: https://lnkd.in/gHgT-25N #ArtificialIntelligence #BankingInnovation #Fintech #DigitalTransformation #FinancialServices #Automation