Imagining the future of banking with agentic AI

Adapting to new and emerging technologies like agentic AI is essential for an organization's survival, says Murli Buluswar, head of US personal banking analytics at Citi. "A company's ability to adopt new technical capabilities and rearchitect how their firm operates is going to make the difference between the firms that succeed and those that get left behind," says Buluswar. "Your people and your firm must recognize that how they go about their work is going to be meaningfully different." Agentic AI is already being rapidly adopted in the banking sector. A 2025 survey of 250 banking executives by MIT Technology Review Insights found that 70% of leaders say their firm uses agentic AI to some degree, either through existing deployments (16%) or pilot projects (52%). And it is already proving effective in a range of different functions.