How AI Agents Could Reshape Competition for Bank Deposits: BI Replay

For decades, banks have relied on one of their most valuable competitive advantages: deposit inertia. But as consumers increasingly adopt AI-powered financial agents capable of automatically optimizing rates and reallocating funds, longstanding assumptions about deposit stickiness and funding costs may be put to the test. Join Bloomberg Intelligence Senior U.S. Banks Analyst Herman Chan and Brian Buckingham, SVP and Head of Consumer Deposits at Curinos, for a forward-looking discussion on how agentic AI could reshape the competitive dynamics of consumer banking. The conversation will explore how AI-powered financial agents may influence deposit behavior, accelerate rate sensitivity, and alter deposit betas and funding costs as they optimize customer cash holdings in real time. The speakers will also examine the strategies banks can use to retain deposits, deepen customer relationships, and maintain a competitive edge in an increasingly AI-driven financial ecosystem. Attendees will gain valuable insights into one of the most significant emerging trends facing the banking industry and what it could mean for the future of deposit gathering.