Agentic Banking is not another AI upgrade for banks. It's a new operating system and most incumbents are still running the old one.

In this conversation, Driss Temsamani - Managing Director, Americas Head of Digital at Citi and author of The Agentic Bank which we discussed in the Fintech Book Club in June, explains what actually has to change for banks to become agentic, and why the gap is wider than most executives think.

We cover:

▪️ Why 2022 was our Netscape moment — and why this shift is fundamentally different from digital transformation
▪️ The two licenses every bank operates on: regulator trust and customer trust
▪️ Why live data streaming pipelines are not enough — what agents actually need
▪️ Auditing outcomes, not paths — how to get comfortable with probabilistic reasoning inside a regulated institution
▪️ Why today's org charts mimic internet-era data storage — and what an "agent-to-human" organization looks like
▪️ Tokenized money, identity, and intelligence converging into a single programmable layer
▪️ AI as universal infrastructure — like roads
▪️ Whether we collaborate or compete on AI — and why that decision defines the next five years

Driss doesn't just make the case for agentic banking. He argues for a rethink of the management layer itself — the committees, the sub-committees, the human chains of decision-making that were built for the internet era and don't fit the era we're now in.

📚 The book: The Agentic Bank: How Intelligent Systems Are Redefining Finance by Driss Temsamani https://www.theagenticbank.ai/

The Fintech Book Club discussion https://www.youtube.com/live/wLyOMV4LZZw?si=rLBisrhV2-jbcFzI

Driss Temsamani is the author of The Agentic Bank and a keynote
speaker on the future of money, and the democratization of finance.
Over thirty years as a digital banking executive, most recently as
Americas Head of Digital at Citi, he has built financial
infrastructure across the US, Canada, and 22 countries across Latin
America, and advised central banks and regulators on the architecture
of the global financial system. His work is animated by a single
argument: that access to finance is a universal right, not a
privilege.