Beyond AI: Agentic Banking. Guide to Agentic Banking in the EU in 2026
Agentic Banking is currently one of the biggest trends shaping the financial sector. This report explores what is actually happening in the market, the regulatory constraints, and where AI is already delivering real value today.
Author
Michał GrelaHead of Marketing
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What’s inside the report?
What is Agentic Banking
We explain the differences between chatbots, copilots, and agent-based systems, showing how AI is evolving from answering questions to executing entire financial processes.
The real state of the market
An in-depth look at how banks and fintechs are using AI today – where it genuinely delivers value, where it is overhyped, and why autonomy remains limited despite widespread adoption.
Regulations
AI Act, PSD3, FIDA, GDPR, and MiFID II in practice – what can be implemented, what cannot, and what requirements every AI system in banking must meet.
Technology, costs, and infrastructure
From agent system architecture to model and cloud costs – we show what truly determines the viability of AI initiatives and where the biggest barriers lie.
Use cases and action plan
The most realistic scenarios for 2026, along with clear guidance on what to implement now and what still does not make business sense.
Rather than adding to the AI hype, we wanted to focus on what actually works in banking today, within the realities of regulation, cost, and delivery. This report offers a practical view of what can already be implemented.
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