What Banks Need to Get Right About Agentic AI

Agentic AI in Banking: Where the Real Opportunities and Constraints Are

What does agentic AI really mean for banks, and where does the reality differ from the hype? In this episode of The Banking Scene Director’s Cut, Andrew Vorster speaks with Wesley Wuyts, Senior Customer Advisor at SAS, about how banks are approaching agentic AI, where the biggest opportunities lie, and what it will actually take to move from promising demos to reliable production use in a regulated environment. The conversation explores how agentic AI could help banks close the gap between insight and action, especially in operationally intensive areas such as KYC, fraud management, complaints handling and document-heavy workflows. Wesley also shares a practical view on the limits of current technology, why fully autonomous end-to-end banking processes are still a step too far for most institutions, and why governance, auditability, data access and human oversight remain essential. If you work in banking, fintech, financial services, risk, compliance, operations, AI, data or technology, this discussion offers a grounded perspective on one of the sector’s most talked-about topics. In this interview, we cover: What banks actually mean when they talk about agentic AI The difference between agentic AI, generative AI, copilots and traditional automation Why some agentic AI use cases in banking are being oversold The challenges of moving from AI pilot to production Why data access, integration and auditability are often the biggest hurdles What meaningful human oversight should look like in banking How banks should think about accountability when AI completes part of a workflow The realities of multi-agent systems in a regulated environment How to approach build versus buy in the agentic AI stack How to measure the performance and quality of AI agents in financial services This episode is part of The Banking Scene’s wider research into AI and the Agentic Future of Banking, exploring how agentic AI is likely to reshape banking in the Benelux region over the next 12 to 36 months. Subscribe for more interviews, analysis and insight on the trends shaping banking and financial services. You can find a summary recap of the interview on our website here [https://thebankingscene.com/opinions/agentic-ai-in-banking-where-the-real-opportunities-and-constraints-are/].

From Experiments to Enterprise Value with Agentic AI

Rik and Andrew discuss the key takeaways from a round table Think Tank session held under the Chatham House Rule with senior financial services professionals on the topic of Agentic AI in banking. You can find a summary of the discussions on our website here [https://thebankingscene.com/opinions/] if you prefer to skim-read the highlights.

What Banks Need to Get Right About Agentic AI

Sára Hanniker, Head of AI Solutions and Research, and Josef Dvořák, Chief AI Officer (CAIO) at Finshape, shared their insights and experience in this candid interview. What emerged was not a story about rapid disruption or easy wins. It was a much more useful conversation. Their view was that agentic AI in banking is real, but the route to value is slower, more structural and more demanding than the current noise around the market suggests. For banks, the challenge is not simply adding smarter technology to existing processes. It is about redesigning workflows, rethinking customer journeys, clarifying accountability and deciding where human judgement should become more valuable rather than less. You can find a summary of the interview on our website here. [https://thebankingscene.com/opinions/what-banks-need-to-get-right-about-agentic-ai/]

Instant payments APP fraud and Intelligent Friction - Insights from Martijn de Ruijter, Rabobank

Martijn de Ruijter shares a clear view on where payment fraud is heading in Europe and why instant payments are forcing banks to rethink the balance between speed, customer experience and protection. Verification of Payee is helping, but fraud is adapting just as quickly. https://thebankingscene.com/opinions/instant-payments-app-fraud-and-the-case-for-intelligent-friction-insights-from-martijn-de-ruijter-rabobank/ https://thebankingscene.com/resources/fraud-prevention-in-a-real-time-economy/

The Next Wave of Banking: The Age of Quanvergence - interview with Dharmesh Mistry

Dharmesh Mistry is a veteran of banking with over 40 years of experience in the industry. His latest research into what he calls the "Quanvergence" suggests that we are moving past the era of digital delivery into an era of deep, structural change driven by four intersecting forces: Quantum computing, Digital Twins, Agentic AI, and Tokenisation. The challenge for European banks is that these are often managed as separate pilots or innovation labs. The real value, and the real threat, lies in their overlap. You can read the summary of the interview on our website here [https://thebankingscene.com/opinions/the-next-wave-of-banking-why-we-must-rethink-relevance-in-the-age-of-quanvergence/].