Customers already live in an instant world. They expect their financial institution to operate in one too.

Bank Director’s 2026 Technology Survey shows less than a third of banks are using agentic artificial intelligence tools. But experts say there’s still time to do it right.

Financial institutions can capture a greater share of payment flows and strengthen their strategic payments partnerships with commercial customers.

Industry leaders are looking beyond payments to see how blockchain technology can offer an entire range of consumer and commercial banking solutions.

Financial institutions should be asking if they have an operating model capable of turning artificial intelligence insights and data into focused, repeatable action.