Deciphered: The Fintech Podcast From Assistants to Agents: The Future of AI in Financial Services
Nov 24, 2025
In this enlightening discussion, Mike Edmonds from PayPal and Pahal Patangia from NVIDIA dive into the transformative role of AI in financial services. They highlight how agentic AI can enhance personalization and streamline workflows, shifting banks from reactive to predictive engagement. The duo explores promising use cases like AI-driven payment solutions and the importance of trust in adopting AI at scale. They also discuss the striking parallels between the AI evolution and the rise of mobile banking, emphasizing the potential to redefine customer engagement.
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Agentic AI Is Actionable Intelligence
- Agentic AI adds knowledge, tools, and memory to act on behalf of users and complete workflows.
- This layer overlays prediction and generation to plan, reason, and take actions for users.
Agents Layer Reasoning Over Retrieval
- The agentic era layers reasoning and action on top of prediction and retrieval capabilities.
- Agents must fetch from hundreds of sources to form viewpoints and take decisions on behalf of users.
Agentic AI Could Re-Barbell Banking
- Agentic AI could have the same structural impact as mobile banking by shifting who wins and loses.
- Firms that can experiment at scale and move fast will gain disproportionate advantage.