生成式人工智能智能体如何威胁零售银行的客户关系’.docxVIP

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生成式人工智能智能体如何威胁零售银行的客户关系’.docx

April2026

FinancialServicesPractice

HowgenAIagents

threatenretailbanks’customerrelationships

AscustomersincreasinglyturntogenAIforfinancialadviceandagenticAIcontinuestorise,retailbanksshouldconsiderhowtomitigatepotential

disintermediation.

ThisarticleisacollaborativeeffortbyDariusImregun,DavidTan,MarukelNunezMaxwell,MaxFl?totto,MuthannaMuslet,andRussellShore,withSergeyKhon,representingviewsfromMcKinsey’sFinancialServicesPractice.

ImagineSandra,whohaspurchasedasubscriptiontoanonbankinggenAIagenttomanage

herfinances.T

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