Banks need AI-native foundations, but trust still matters

(June 2026)Many banks have spent decades building digital services on top of legacy technology. But in the AI era, they need to re-engineer the ICT systems that deliver those services.

It’s a big ask, admits Chris Skinner, CEO of The Finanser and author of Intelligent Bank. But customer expectations are rising, and established institutions face stiff competition from AI-native challengers.

The promise of AI is a banking experience that anticipates customer needs and manages routine financial decisions automatically. But in a Transform Talks interview, Chris argues that, no matter how intelligent banking becomes, customers will still have to trust the AI agents making financial decisions on their behalf.