14th Banking Innovation Summit

Multi-agent AI is finally doable — but in a highly regulated and complex industry, "doable" and "deployable" are very different things. In this session, TD's leader for end-to-end consumer deposits technology and Stanbic's Global CTO & COO share how multi-agent AI is being put to work across the full client journey, from shopping and servicing to disputes and statements, and why automating regulated processes is the unlock for innovation and cost efficiency at scale. The heart of it is control: proving to regulatory bodies that humans stay in the loop at every critical checkpoint while AI runs autonomously in between — the "autonomous flight, human pilot" model. Expect a candid, peer-led discussion of where the technology is genuinely ready, how the technology is being harnessed across different geos, where the guardrails have to live, and how to build a business case that clears both ROI and the regulators. Senior banking leaders will leave with a practical model for deploying AI in the places compliance has always made off-limits.

Every consumer bank has an AI roadmap. Far fewer have an operations backbone that can carry it. Customer data sits in a dozen systems that disagree with each other, decisions that should take seconds take days, and every new product launch adds another integration to a stack that was never designed to be queried in real time. The result is an execution gap: ambitious plans for intelligent, personalized banking resting on data that is fragmented, stale and expensive to move.

This workshop takes that problem apart in practical terms. Working in small groups, participants will map where data fragmentation is costing them most today, whether in onboarding, lending, fraud, servicing or collections, and work through what it takes to move from batch reporting to real-time decisioning: the data foundations that have to be in place first, the operating model that keeps data owned and trusted, and the sequencing that delivers value in quarters rather than years without a wholesale core replacement.

Participants will leave with a clear picture of the gap between their current operations backbone and what real-time decisioning requires, a prioritized set of use cases where closing that gap pays back fastest, and a practical view, drawn from peers across the room, of what has worked, what has stalled and why.

As investment in generative and predictive AI climbs, most banks stall between pilot and enterprise-wide deployment. This workshop tackles how to operationalise advanced AI in a highly regulated environment; balancing speed, governance and organisational complexity. Leave with practical ways to move beyond pilots and industrialise AI at scale, and a benchmark against peers.

Most institutions are waiting for their legacy cores to be replaced before they fix the frontline. Global Credit Union decided not to wait. Across the credit union and its two wholly owned insurance and mortgage CUSOs, Dana Gonderzik’s team is building a single AI enabled front end that lets tellers and member service agents serve a member as one person, rather than bouncing through three or four systems and three separate identities to complete a transaction.

In this interview Dana shares how that program was designed with security at the table rather than at the sign off, how the same AI the business is building with is reshaping the attacks on members and staff, and why data classification and retention is where she is spending security’s attention now. Along the way she covers the harder, cultural side of the job: winning the argument with business teams, keeping controls in step with product delivery, and running a people focused security function across two states and a remote workforce, thirteen years into a tenure that has seen the institution double.

Attendees will be brought into the conversation throughout and will leave with a practical view of what to get right first when putting a modern layer over legacy systems, where AI is shifting the balance between attacker and defender in consumer banking, and how to move security from brake to design partner without becoming the department of no.

A series of curated 30-minute meetings scheduled throughout the three-hour networking period, with breaks between sessions. Matches are arranged based on intelligence-led recommendations and mutual business interests.