Financial institutions have invested heavily in data infrastructure, but existing solutions fall short. Data lakes store yesterday's data and can't deal with complex schemas. Workflow and CRM platforms orchestrate processes but don't unify the underlying data. The core AI challenge remains unsolved: getting the right data, to the right model, at the right time and in a compliant way.
The banking industry is entering the era of Banking 4.0, where Agentic AI is evolving from simple assistive chat into autonomous agents capable of orchestrating end-to-end workflows.
The Future of Payments Report reveals how AI, trust, and innovation are reshaping global payments, exposing key paradoxes in technology and leadership.
