AI is reshaping banking from product discovery through financial action. As genAI and AI agents gain influence over customer decisions, banks must balance greater convenience and autonomy with trust, customer control, and a changing role in the financial journey.

Key Question: How can banks capitalize on AI as it reshapes product discovery, customer interaction, financial guidance, execution, and the interfaces through which consumers manage their financial lives?

Key Stat: Fully 58% of the US banking customers who use genAI have used it to research banking products, rising to 65% among Gen Zers, per May 2026 data from Deloitte. That’s giving AI a growing role in which financial products consumers consider.