Extracting value from AI in banking: Rewiring the enterprise

2026

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AI-generated summary

To achieve substantial value from AI, banks must move beyond experimentation and fundamentally rewire their operations by integrating AI across critical business areas and reimagining complex workflows with multiagent systems.

* **AI-First Transformation:** Explores the necessity for banks to become "AI-first institutions" by adopting AI enterprise-wide to boost value and avoid being left behind.
* **Rewiring the Enterprise:** Details how banks can achieve material value by transforming entire business domains and subdomains, rather than focusing on narrow use cases.
* **AI Capability Stack:** Outlines the four key capability layers—engagement, decision making, data and core tech, and operating model—required to embed AI seamlessly across the enterprise.

AI, banking, enterprise transformation, multiagent systems, financial services

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