With the adoption and development of cognitive computing capabilities, the way customers interact with their banks will ultimately change for good. Artificial intelligence and cloud computing will empower banks to efficiently redefine the workflow, create innovative products and services, and transform customer experiences. Many banks have adopted AI, infusing it into their customer experience. This development is witness to AI's role in banking becoming increasingly crucial and visible over the next few years. The introduction of cloud computing and AI will permit the banking workforce to discard repetitive, process driven tasks towards the more strategic and innovative kinds of work that will ultimately drive the industry forward.