Agentic AI

Banks spend 93% of their AI budget on technology. Only 7% goes to people. And then they wonder why 95% see no impact on their P&L. On March 31, 2026, I gave a keynote at the Zühlke Banking Talk in Schlieren on why the future of AI is “cybernetic” and what it takes to become an AI-native bank. The evening brought together perspectives from academia, a major German bank, and practitioners from Swiss financial institutions.

How to build adaptive, AI-native organizations where people, technology, data, and AI models work together efficiently. $30 to 40 billion invested in generative AI globally. 95% of companies see no impact on their P&L. Only 5% create real value. Companies spend 93% on technology and only 7% on people. What is missing is not the next tool. What is missing is the ability to steer and adapt.