The next chapter in banking has already begun. Are you ready for it?

Artificial Intelligence is entering a new era: the conversation is no longer about chatbots, copilots or productivity gains. Across the banking industry, the focus is shifting towards intelligent agents capable of planning, reasoning and executing complex tasks with increasing levels of autonomy.

But the biggest disruption may not come from the agents that banks build; it may well come from the agents your customers bring with them.

AI and the Agentic Future of Banking explores one of the most significant strategic shifts facing financial services today. Drawing on exclusive interviews with senior banking executives, technology leaders and AI experts, together with insights gathered through The Banking Scene's research, think tanks, industry events and third-party papers, this white paper examines what the rise of Agentic AI means for banks across the Benelux region and beyond.

Inside the white paper

Rather than focusing solely on today's technology, this research explores how Agentic AI could reshape banking over the coming years, including:

• How autonomous AI agents differ from copilots and traditional automation
• The next wave of high-impact banking use cases, from perpetual KYC and adaptive underwriting to fraud prevention and treasury operations
• The governance, risk and control frameworks required for autonomous decision-making
• The rise of the agentic customer and what happens when customers use their own AI agents to discover, negotiate and transact with banks
• How agent-to-agent banking could redefine customer relationships, loyalty and competitive advantage
• Four possible scenarios for the banking industry in 2030 and the strategic choices banks need to make today

Key questions explored

• What happens when AI agents become the primary interface between customers and banks?
• Will customer loyalty survive when AI optimises purely for outcomes rather than brand preference?
• How will banks identify, authenticate and authorise customer-owned AI agents?
• Could Agentic AI trigger a race to the bottom in pricing and product differentiation?
• What new competitive advantages will matter in an autonomous financial ecosystem?
• Which banks are most likely to thrive as banking moves towards an agentic economy?

Who should read this paper?

This white paper is essential reading for:

• Banking executives and board members
• Chief Digital, Data and AI Officers
• Innovation, Strategy and Transformation leaders
• Technology and Architecture teams
• Risk, Compliance and Governance professionals
• Product, Operations and Customer Experience leaders
• Technology providers supporting the financial services industry

Why download it?

Agentic AI is more than the next evolution of Generative AI. It represents a structural redesign of how financial services are delivered, governed and experienced.

The institutions that succeed will not simply deploy better AI. They will rethink how value is created when both banks and customers are increasingly represented by intelligent agents.

Download your copy with the compliments of our sponsor Cognizant, and discover what the future of banking may look like in an agentic economy.