Consumers have been paying their bills online and managing their finances for a couple of decades now, but big banks still remain laggards when it comes to adopting AI solutions that can improve their service to customers, a group of panelists who spoke about fintech at MB 2017 said. "Banks have a giant base of customers, and it's hard to move them all. Many people still prefer to go a bank branch to do their banking," said Dion Lisle, VP of fintech at Capgemini. "I hate to say this, but I think we're seeing a lot of'innovation theater.'" Some banks are moving faster than others, but even the laggards will feel pressure to adopt more AI features soon enough.