Vitor D'Agnoluzzo

Competitive advantage and performance in banking have long hinged on how effectively institutions use technology and data. AI represents the next step change, reshaping how banks develop products, manage risk, and serve customers. Those banks that configure their organizations to absorb and exploit each wave of advances in AI will compound their advantage.

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Today’s banking customers expect better service and faster innovation. While fintech banks have the technology to rapidly deploy new products and experiences, incumbents are held back by convoluted and costly core systems that are unsuited to modernization. To thrive in the long run, banks need flexible and scalable platforms. But replacing core technology is a challenge that can cost hundreds of millions of dollars, strain operating models, and introduce risk.