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From Ambition to Execution: i2c and American Banker Research Maps Financial Institutions’ Agentic AI Readiness

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From Ambition to Execution: i2c and American Banker Research Maps Financial Institutions’ Agentic AI Readiness

i2c Inc., a global financial technology innovator, announced the release of “The Agentic AI Readiness Report: Architecture, Workflows and the Road to Personalization.” The new research, conducted by American Banker in collaboration with i2c, reveals where financial services professionals see the greatest opportunity to deploy agentic AI across the customer journey, what is holding back adoption, and what it will take to close the gap between personalization ambition and results.

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The report arrives as agentic AI emerges as one of the defining themes at Money20/20 USA 2026, highlighting the industry’s shift toward more intelligent, autonomous technologies that can enhance customer experiences, streamline operations, and unlock new opportunities.

As agentic AI moves from pilot to production, the findings point to a clear priority: getting the underlying technology and controls right, so institutions can expand deployments and deliver personalization across their customer base. Asked what matters most to successfully scaling agentic AI, respondents named data quality and accessibility (25%) first, followed by governance and risk controls (18%). Together with modern infrastructure (9%), these foundational factors account for more than half of responses, outweighing AI models and tools (16%).

The report also suggests that rethinking workflows before automating them could unlock bigger gains, and that workflows with governance built in through rules and logic lay firmer groundwork for trusted systems that produce better customer experiences.

“The race in agentic AI will be won by those with the architecture, data, and workflows to put intelligence into action,” said Amir Wain, Founder and CEO of i2c.


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