How AgenticAI can unlock $450B in value by 2028, but warns of 40% failure rate without proper governance.

When I speak with banking leaders, one theme consistently stands out: AI itself is no longer the question. Integration is. The potential is undeniable — Agentic AI could unlock $450B in value by 2028. Yet Gartner’s caution is timely: up to 40% of initiatives risk failure if governance, training, and change management are neglected. This is where leadership mindset becomes decisive. Technology can deliver speed and precision, but adoption demands trust, clarity, and organisational readiness. The winners will not be those with the deepest pockets, but those with the strongest alignment between people and AI: -Human judgment amplified by AI agents -Compliance reinforced by automation -Customer engagement elevated through intelligence My reflection is this: 👉 In the race to adopt AI, are we investing enough in governance and talent to ensure that value is not just promised on paper, but realised in practice?

Technology has rewritten the rules of banking. What once sat in the back office now shapes how value is created, delivered, and trusted. Every decision on AI, cloud, or data governance has direct impact on business performance, regulatory confidence, and customer experience. The Strategic Banking report makes it clear — technology is no longer an enabler. It’s the business model itself. And that’s forcing banks to rethink what progress looks like. Real-time, open, and embedded systems are redefining how money moves and how people expect to engage. Fintechs and digital-first players have raised the standard for convenience and transparency, and customers now expect the same precision from traditional institutions. For banks, the challenge isn’t innovation. It’s integration — aligning business, risk, and technology so decisions flow with speed and control. Progress will depend on visibility across the enterprise, responsible AI, and a modern architecture that can evolve as fast as customer expectations do. If you want to know more, read the paper https://lnkd.in/eMKWnY8w

🤖 HOW GENAI IS TRANSFORMING BANKING Banking is evolving faster than ever — and at the center of this change is Generative AI (GenAI). What started as a buzzword is now quietly reshaping how banks operate, make decisions, and interact with customers. Unlike traditional analytics, GenAI doesn’t just analyze data — it creates. It can generate reports, draft responses, summarize regulations, build personalized experiences, and even assist analysts in real time. Here are a few powerful ways GenAI is already making an impact: 🔸 Customer Experience: Virtual assistants that actually understand context, offer tailored financial advice, and respond 24×7 with near-human accuracy. 🔸 Productivity: Analysts and operations teams are using GenAI copilots to summarize lengthy documents, generate insights, and automate repetitive workflows. 🔸 Compliance & Risk: Instead of manually scanning hundreds of pages of regulations, GenAI can extract key points, flag relevant sections, and help teams stay audit-ready. 🔸 Personalization at Scale: Banks can now offer hyper-personalized recommendations, nudges, and product suggestions — all generated dynamically using large language models. The real transformation isn’t replacing humans — it’s augmenting them. GenAI acts like a smart assistant, allowing teams to focus on strategy, creativity, and decisions that matter. 👉 Banks that adopt GenAI thoughtfully will move faster, serve smarter, and unlock new opportunities. 💬 What’s one GenAI use case in banking you’re most excited about?

💥 From Queues to Quick Replies: How AI Chatbots Are Reinventing Banking CX (and Saving Millions) Banking customers no longer wait in lines — they expect instant answers. With Moptra’s new AI Chatbot Solution, banks can transform how they serve, engage, and retain customers. Here’s how AI is rewriting the banking playbook 👇 🔹 85–90% of banks are already investing in AI to automate customer engagement. 🔹 Banks globally could unlock $170 billion in profit growth in the next 5 years. 🔹 AI chatbots can handle up to 80% of daily queries — from balance checks to fund transfers. 🔹 First-call resolution rates rise from 50% to nearly 70%. 🔹 Each automated interaction costs under ₹60, compared to ₹300–400 manually. 🔹 Customer support costs drop by around 22%. 🔹 Fraud detection and error reduction improve by 40%. 🔹 Instant onboarding and KYC support reduce drop-offs by 30%. 💡 Moptra’s AI Chatbot Advantage for Banks: 24×7 customer service with natural, contextual understanding. Personalized recommendations based on spending and history. Reduced operational load on human agents. Proactive fraud and compliance alerts. 💬 Let’s Talk: What’s the biggest friction you’re seeing in digital banking — wait times, churn, or compliance? Let’s explore how Moptra’s AI solutions can help your bank deliver faster, smarter, safer experiences.

🚀 The Future of Banking: How AI is Revolutionizing Credit Unions and Banks 🚀 The banking industry is on the cusp of a revolution, and IT leaders in credit unions and banks are at the forefront of this transformation. 🌟 nCino's latest AI-powered solutions are set to reshape the financial services landscape, and it's essential for IT professionals to understand the implications for credit unions and banks. Here are the top 3 ways AI is transforming the banking industry: Digital transformation: AI-powered automation will streamline lending and onboarding processes, reducing manual errors and increasing productivity. Customer experience: Personalized services driven by AI will enhance customer satisfaction and loyalty. Operational efficiency: Advanced analytics will provide real-time insights to inform business decisions and optimize operations. Stay ahead of the curve and learn more: https://lnkd.in/g-D3ugYV Join the conversation: Share your thoughts on how AI is impacting the banking industry and what opportunities and challenges you see on the horizon. #Banking #CreditUnions #FinTech #AI #DigitalTransformation #FinancialServices #ITLeadership #Innovation#Banking #CreditUnions #FinTech #AI #DigitalTransformation #FinancialServices #ITLeadership #Innovation #ArtificialIntelligence #MachineLearning #DataScience #Technology #FinancialTechnology #DigitalBanking #OnlineBanking #MobileBanking #FutureOfWork #FutureOfBanking #FinancialInclusion #FinancialLiteracy #TechInFinance #BankingTech #CreditUnionTech

The Future of Banking is NOT Generic. While generalist AI tools like ChatGPT and Gemini are good at helping with general tasks and information, the complex, relationship-driven world of banking demands more than what a "generic” AI can provide. Specialized AI designed for the complex customer challenges and the solutions banks and financial institutions provide is the future. The difference boils down to one critical factor: Context. Here is the contrast: Generic AI: Gives you a high-level, "what to do" strategy. If you ask, "How do I sell merchant services?" it gives you generic sales tips. You still have to do the heavy lifting of client research and translating that advice into an action plan. Specialized AI: Gives you a real-time, actionable, and personalized consultation for a specific client. It analyzes the client's data, identifies their challenges and business goals, provides the precise value proposition to lead with, and even gives you the tactical talking points and objection responses tailored to their situation. This shift turns a reactive banker into a proactive, consultative advisor. It's the difference between guessing and knowing. If your bank is serious about revenue growth and transforming its commercial and business segments, the conversation needs to move beyond simply "adopting AI" to "adopting the right AI." Read the full breakdown here and tell me what you think! 👇

The Impact of Artificial Intelligence on the Banking Sector The momentum of AI in banking demonstrates its potential to make banking more accessible, secure, and tailored to individual needs. Read More : https://lnkd.in/e4JGENUu #BankingRevolution #TechInBanking #SmartBanking #FintechInnovation #SecureBanking #TailoredFinance #DigitalBanking #BankingTrends #AccessibleBanking #PersonalizedFinance #InnovativeBanking #BankingEvolution

The banking sector is on the brink of significant change due to emerging technologies. Over 80% of financial services executives predict that by 2030, generative AI will play a key role in enhancing customer experiences. Learn more about what lies ahead for banking. https://lnkd.in/gP6ATMV7

AI is rewriting the rules of digital transformation in banking, and this wave feels fundamentally different from any we’ve faced before. Previously, tech innovation arrived in cycles, each with ample time for committees, pilot projects and carefully written policies. Today, change arrives overnight. There is no waiting for permission. The pace set by AI is relentless. Here’s how this moment stands apart for banking technology leaders: 1. Urgency is the new normal Transformation once began with a roadmap and a business case. Now, it’s a race against time. Regulation, competition, and customer expectations are evolving in real time. Adaptation isn’t optional; it’s existential. 2. Innovation is bottom-up Gone are the days when all change started with an executive mandate. Now, cloud engineers, developers, and risk teams are quietly exploring AI-powered efficiencies and automation, often before the C-suite is briefed. 3. The pace outstrips policy Cloud adoption was measured in years. AI’s impact is measured in weeks. What was unthinkable last quarter is now table stakes. Security, compliance, and risk frameworks must shift from static controls to continuous adaptation. 4. The finish line keeps moving Transformation isn’t a project with a neat conclusion. In financial services, we’re building for a future that redefines itself each month. The only way forward is constant iteration and learning. 5. Data is the new battleground The value of your data is magnified, but so is its risk. Sound data governance and understanding your data’s lineage are now core to competitive advantage and regulatory compliance. Laxity here hands your edge to others. This era is more chaotic, more complex, and more human than any before. Success demands urgency, courage, and a willingness to lead through ambiguity. For regulated banks, waiting for perfect clarity is no longer an option. The future is airborne, and we must learn to steer while in flight.

The banking sector is on the brink of significant change due to emerging technologies. Over 80% of financial services executives predict that by 2030, generative AI will play a key role in enhancing customer experiences. Learn more about what lies ahead for banking. https://lnkd.in/g2qhhbJp