Insights

AI Strategy • Fraud Defense • Governance | Mid-Year 2026 We are halfway through 2026. The AI era is no longer on the horizon — it has arrived, and it is reshaping the financial services landscape faster than most institutions anticipated. In 2025, businesses collectively spent $340 billion on AI solutions. Financial institutions explored everything from chatbots to document automation and robo-advising, yet many did so without a coherent strategy. The result: uneven adoptio

Online businesses are racing to prepare for agentic commerce. AI agents are beginning to shop, transact, negotiate, and make financial decisions on behalf of users. Fintech companies are investing heavily in AI transformation—automating everything from onboarding and customer service to risk management. The investment is justified. According to a Bain & Company report , Agentic AI could account for 15–25% of U.S. e-commerce sales by 2030 , representing a market of roughly $30