Banking Transformed with Jim Marous AI Is Breaking Banking’s Scale Advantage
11 snips
Dec 16, 2025 
In this discussion, Sean Viergutz, the Banking and Capital Markets Advisory leader at PwC, emphasizes that speed has overtaken scale as the key competitive advantage in banking. He reveals how AI democratizes banking intelligence, allowing smaller institutions to compete effectively. Sean explains that AI can reduce the need for large engineering teams and advocates treating AI as a teammate to enhance productivity. He also shares insights on how community banks can leverage data for personalized services and the strategic shifts needed to thrive in this new landscape.
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Speed Overtakes Scale
- AI shifts banking's moat from scale to speed by enabling hyper-personalization and rapid market entry.
- Smaller banks can match intelligence and client insights once reserved for the largest institutions.
AI Shrinks Engineering Overhead
- AI reduces the need for massive engineering teams by automating code writing, testing, and deployment.
- This enables faster modernization with far smaller teams and lower cost.
Deploy Composable Solutions Fast
- Use third-party composable solutions to implement new customer experiences in months instead of years.
- Pair those solutions with organized data to accelerate deployments and reduce project timelines.