Banking Transformed with Jim Marous Agentic AI Meets Open Banking: The Future of Money
Sep 30, 2025
In this insightful conversation, Ronit Ghose, Head of Future of Finance at Citi Institute and author of 'Future of Money', shares his expertise on the transformation of finance. He discusses how AI is revolutionizing financial management and the rise of digital assets like stablecoins. Ronit explains the impact of open banking across different regions and imagines the future of 'self-driving money.' He also critiques the AI hype cycle and reveals the significant yet underappreciated potential of B2B innovations in fintech.
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Think Tank Focuses On Finance's Future
- Ronit Ghose runs Citi's Future of Finance think tank to analyze how tech, policy, and regulation reshape money and finance.
- He transitioned from market research to focusing full-time on fintech and crypto after years of side work and industry shifts.
Institutional Shift To On‑Chain Money
- Digital assets and stablecoins moved from experimentation to real institutional production this year, accelerating change beyond Ronit's book timeline.
- Major banks are now deploying on-chain money in production for institutional use, signaling institutional adoption.
Open Banking: Policy Versus Practice
- Open banking originated as a UK policy to increase competition after 2008 and use APIs to enable new players.
- In practice the U.S. has sometimes outpaced the UK in use, while many regions copied the UK's regulatory playbook.
