Jaya Kandaswamy

While Agentic AI will change how customers interact with financial institutions and how financial decisions are made—ultimately, defining who controls the customer relationship—governed autonomy is critical to adapting customer-facing business models. As intelligent agents begin managing cash flow, initiating payments, optimizing liquidity, negotiating financial services and interacting directly with other AI systems, banks face profound strategic choices, including how to build governed autonomy into their enterprise, what capabilities will remain differentiators, which will become commodities, and where they will create value in an increasingly autonomous financial ecosystem.

This panel discussion examines how agentic AI is reshaping competition, including the impact from:

• Building governed autonomy and why it matters
• The emergence of autonomous financial agents for consumers and businesses
• AI-to-AI commerce and machine-driven financial interactions
• The redefining of customer relationships through intelligent financial experiences
• Fintechs, hyper-scalers and emerging AI-native platforms as competitors
• Trust, data, payments and balance sheet strength as enduring competitive assets