For decades, banking has been a place you go, a brand you see, and an interaction you initiate. In this current state, even though much of it is now digital, the model still revolves around channels – apps, websites, and branches – where customers show up to make things happen. AI has entered the picture in narrow, tactical ways: a fraud alert here, a chatbot there, a dashboard with basic insights. Helpful, yes – but far from transformational.