In today’s fast-evolving financial landscape, artificial intelligence (AI) is revolutionising the banking industry by delivering speed, efficiency, and security across operations. AI agents in banking are no longer merely supporting processes—they are actively driving innovation, automating complex tasks, and enhancing customer experiences.
With the rapid growth of digital banking, financial institutions are integrating AI-driven intelligence to provide seamless, hyper-personalised services while ensuring robust security. AI-powered solutions, including machine learning (ML), predictive analytics, and conversational AI, enable banks to process transactions more quickly, detect fraud with greater precision, and respond proactively to market shifts.
According to recent projections, in 2028 many enterprise software applications will incorporate agentic AI, with a small percentage of operations autonomously managed by AI agents. These technologies will empower banks to optimise workflows, strengthen compliance, and adapt dynamically to evolving financial demands.
AI agents in banking
AI agents in banking are autonomous or semi-autonomous systems that leverage ML, natural language processing (NLP), and advanced analytics to optimise financial operations.
These agents operate within predefined parameters but can dynamically adapt to evolving datasets, making them ideal for complex, data-driven banking environments.
Unlike traditional rule-based systems, AI agents utilise predictive modelling, deep neural networks, and reinforcement learning to refine decision-making, enhancing efficiency and risk mitigation.
Their adaptive intelligence allows financial institutions to improve operational workflows, strengthen security, and deliver more personalised and efficient customer experiences.
Enhancing operational intelligence
In the banking and financial sector, operational intelligence refers to the ability to extract actionable insights from real-time data to improve procedures and decision-making.
AI agents enhance operational intelligence by automating repetitive tasks, predicting market trends, and improving resource allocation.
Process automation
AI-driven robotic process automation (RPA) is transforming back-office banking operations like loan processing, account reconciliation, and compliance reporting.
By leveraging optical character recognition (OCR) and NLP, AI agents can efficiently extract data from unstructured documents such as PDFs, reducing manual effort by up to 80%.
This automation minimises errors, increases processing speed, and helps banks scale operations while handling higher transaction volumes with greater accuracy and efficiency.
Streamlining compliance
Staying compliant amid evolving regulations is a complex challenge for financial institutions.
AI-driven compliance platforms help to analyse and implement regulatory frameworks across multiple departments, ensuring adherence to regulations and minimising the risk associated with non-compliance.
AI in banking and finance also automates compliance monitoring, detects discrepancies in financial reporting, and enhances audit readiness.
This automation not only reduces operational risks but also frees compliance teams to focus on strategic oversight and regulatory adaptation, improving efficiency across the organisation.
Accelerating speed and precision
In the banking industry, speed is paramount, especially in areas such as customer service, wealth management, and high-frequency trading (HFT).
AI in banking and finance can process vast amounts of data and generate rapid responses, making it indispensable for optimising service delivery and enhancing the decision-making process.
Real-time customer assistance
AI-powered conversational chatbots can handle millions of customer queries 24/7, reducing response times from hours to minutes.
These agents use NLP to interpret queries, retrieve relevant data, and deliver accurate answers instantly.
For instance, one global bank has developed its own virtual financial assistant, redefining customer support by assisting users with budgeting tips, transaction histories, and account monitoring while improving resolution rates by up to 70%.
High-Frequency Trading (HFT)
In trading, speed is everything, and milliseconds determine success. AI-driven trading systems, powered by ML algorithms, analyse real-time market trends and execute trades with optimal timing.
By reducing human intervention, AI minimises execution errors and maximises profitability, making algorithmic trading more efficient and reliable.
Bolstering cybersecurity
Cyberfraud and cybercrime present some of the greatest risks in the banking sector. As cyber threats become more sophisticated, artificial intelligence in banking plays a vital role in strengthening cybersecurity.
Threat intelligence and response
AI-driven threat intelligence systems continuously analyse data from internal logs, external threat feeds, and dark web sources to detect and mitigate cyber risks.
On the other hand, reinforcement learning agents can simulate sophisticated attack scenarios to identify vulnerabilities within banking systems, enabling proactive defence strategies.
Thus, in the event of a breach, AI agents can orchestrate incident responses, isolate compromised systems, and alert stakeholders within a few seconds.
Identity and Access Management (IAM)
AI agents can enhance IAM and strengthen overall security infrastructure by leveraging behavioural biometrics and continuous authentication.
These systems analyse user behaviours such as typing patterns, mouse movements, and transaction patterns to verify identities with greater accuracy.
AI-powered multi-factor authentication (MFA) adapts to risk levels and requires additional verification only when anomalies are detected, further securing banking systems against fraudulent access.
How can Infosys BPM help?
The integration of AI in banking and finance is transforming operational intelligence, cybersecurity, and service delivery. Financial institutions leveraging AI-powered automation, predictive analytics, and real-time decision-making are achieving unmatched speed, accuracy, and resilience.
As financial institutions continue to evolve, partnering with an experienced transformation partner becomes crucial to harness AI’s full potential.
Infosys BPM, a trusted partner in banking and financial services, offers cutting-edge AI-powered solutions:
- Intelligent automation
- Regulatory compliance management
- Advanced analytics
- Customer service transformation
By leveraging Infosys BPM’s capabilities, banks can future-proof operations, drive sustainable growth, and lead confidently in the age of intelligent banking.
