Here's why banks and credit unions should believe in artificial intelligence and invest in the power of advanced data analytics. Traditional retail banking providers, weighed down by monolithic legacy systems and ponderous regulations, are in uncomfortable territory. Advancements in fintech have upended the industry, enticing both large financial firms and smaller tech startups to apply disruptive technologies in ways that threaten the status quo. To become more agile and remain relevant, traditional retail banking providers find themselves exploring their technological options with focused intensity. New innovations in data analytics empower financial institutions with systems that are so smart, they learn on the go, automatically refining their algorithms and improving their results over time.