The AI-Enabled Bank: Reimagining Retail Banking from Branch to Mobile

Thursday, July 30, 2026 2:00 p.m. ET / 11:00 a.m. PT 45 Minutes
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Speakers
  • Penny Crosman Color headshot
    Penny Crosman
    Executive Editor
    American Banker
    (Moderator)
  • Ned Carroll
    EVP, Head of Data & Automation
    PNC
    (Speaker)
  • Chris Higgins
    CIO
    Flagstar
    (Speaker)
  • Krish Swamy
    Chief Data and Analytics Officer
    Citizens Bank
    (Speaker)
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Artificial intelligence is rapidly reshaping how banks serve customers—from intelligent mobile apps to smarter branches and contact centers. But beyond the hype, most institutions are still in the early stages of operationalizing AI. This session will explore how banks are deploying practical AI use cases today—from customer service automation to developer productivity—and how leaders are building the data, governance, and culture needed to make AI work inside a regulated financial institution.

  • Where AI is actually delivering value in retail banking today
  • AI-driven customer service: copilots, chatbots, and agent assist
  • Using AI to modernize mobile banking and digital channels
  • The evolving role of the physical branch in an AI-enabled experience
  • Building internal AI capabilities: data infrastructure, governance, and talent
  • Practical lessons from early deployments and pilot programs
  • How banks measure ROI and productivity gains from AI
  • Avoiding common pitfalls: data quality, trust, and explainability

Large banks have already begun embedding AI into development and operations workflows, including internal large language models and AI-assisted software engineering supporting digital banking platforms.

LEADERS is a flagship channel that spotlights C-level executives and top experts as they discuss transformative topics for an audience of key decision-makers. We deliver thought leadership on the most pressing issues driving the future of financial services. The LEADERS series is made possible by the support from top industry collaborators including Mphasis.