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Keynote · Agentic banking

The bank that runs itself.

What happens to banking when every customer has an agent working for them.

Anthony JonesHead of Product, Oceania

The problem

Today the customer is the integration layer.

One household. Every month. Managed by two busy people, in their spare time, on a phone.

0regular bills and subscriptions

0accounts across savings, debt and cards

0currencies in a single month

0people whose job it is to optimise any of it

01 / 10

The shift

Every era asked the customer to show up. This one doesn't.

The next interface isn't a screen. It's a delegate.

02 / 10

How an agent banks

It doesn't wait to be asked.

Senseevery account, card and bill

Forecastthe next 30 days of cash

Decideinside rules you set

Actmove it, switch it, pay it

Explainwhat it did, and why

Meet Pip. One agent, working for one household, all day.

03 / 10

Capability 1 · Cash flow

It moves money before you ask.

$17.6karrives each month, and every dollar already has a job

$1,200swept to savings, only once the whole month is covered

$2,000floor the customer chose. Never breached.

04 / 10

Capability 2 · Payments

The right card for every payment.

Electrician's invoice$1,380 · 2% surcharge on credit

saves $5.76

Tokyo apartment¥48,600 · foreign currency

saves $3.88

Power bill$186.40 · no surcharge

+280 pts, 44 days

No habit. No loyalty. Just the maths, every time.

05 / 10

Capability 3 · Benefits

It finds the money you were leaving behind.

Travel insurance switched onflights paid on the card that carries the cover

$389

Duplicate cover cancelleda second policy for the same trip

$462

Currency fees avoidedforeign spend routed to the zero-fee card

$215

Subscription swapped for a perkthree months already included with the card

$92

Double charge caughtflagged one minute after it happened

$47

06 / 10

What makes it bankable

Give them a dial, not a black box.

Autopilot

Keep at least $2,000 in Everyday

Sweep only when $750 or more is spare

“I'll move $1,200 to savings after payday. Your lowest balance this month stays at $2,008.”

Looks goodSkip this one

Rules I setThe customer chooses the limits. The agent works inside them.

Reasons I can readEvery action arrives with the numbers behind it.

Moves I can undoInstantly reversible, and off with one tap.

07 / 10

The risk for incumbents

Every margin built on inertia is now in play.

Idle balances earning nothing

swept to the best rate, automatically

Currency conversion margin

routed to the zero-fee card

Late fees and card surcharges

never incurred

Front-of-wallet habit

recalculated on every payment

Forgotten subscriptions

found and cancelled, with duplicate cover

Cross-sell by attention

agents don't browse, and don't see banners

08 / 10

The strategic choice

Whoever runs the agent owns the customer.

Seat oneRun the agent

Own the daily relationship, the full picture of the customer's money, and the trust that comes with acting for them.

You set the terms

Seat twoSupply the agent

Your products are chosen by someone else's software. You win only when you are the best answer to that payment, that day.

You compete on price, forever

Seat threeGet routed around

Balances, payments and fees flow to wherever the agent sends them. The brand stays on the card. The value leaves.

You become plumbing

09 / 10

Where to start

Build the bank your customer's agent would choose.

1Be legible. Every product machine-readable and honestly priced.

2Hand over the dial. Rules, reasons and an undo for every action.

3Be right, repeatedly. It is how you earn an agent's trust too.

Thank you.

Anthony JonesHead of Product, Oceania