McKinsey - The end of inertia

2025

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AI-generated summary

1) This McKinsey report matters because it explains how agentic AI will replace customer inertia with automated financial optimization, disrupting traditional retail and SME banking revenue models.
2)
- Analyzes how AI agents threaten deposit spreads and credit-card economics by continuously optimizing yields and switching accounts.
- Outlines five core control points in the agentic economy, including credentialing, identity, trust wrappers, and decisioning logic.
- Details strategic imperatives for banks, card issuers, and merchants to build machine-readable products and adapt to performance-led selection.
3) Tags: agentic AI, retail banking, SME banking, financial services, McKinsey

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