The future of banking is moving towards modality agnostic interfaces where customers can seamlessly switch between text, voice, gesture, and spatial interactions.
Hyper-personalization in banking relies on digital twins that mimic each customer's financial behavior and preferences, enabling tailored services and training for employees.
Event-driven agent orchestration layers replace traditional BPM flows, allowing for dynamic agent graphs to manage processes such as document verification, risk assessment, and credit decisions.
Stringent regulations like the EU AI Act and ISO standards demand transparency, human oversight, and ethical considerations in high-risk AI applications like credit scoring and fraud detection in banking.