Smart economies are beginning to make decisions and act across transport, energy, commerce and finance. Banking’s next shift may follow: AI agents could move from advising customers to initiating transactions, coordinating services and managing financial outcomes on their behalf. That prospect raises a structural question: can systems built around human instructions, batch payments and familiar forms of accountability support finance conducted at machine speed? The answer depends on more than a smarter interface. It requires new architecture, agentic compliance and risk controls that preserve human oversight where it matters. Banking 5.0 sets out the case for that transition and what separates structural change from a chatbot layered over legacy systems.

Imagine an economy where software doesn't just recommend decisions—it makes them, negotiates them, and settles them, all without a human in the loop. That future arrives when agentic AI meets programmable money. Autonomous agents that can transact, and digital money that can execute logic on its own, together unlock machine-speed commerce that today's financial rails were never built to handle. Learn how agentic AI and programmable money combine to reshape payments, settlement, and value exchange, what new risks emerge when agents transact autonomously, and how institutions should prepare for an economy that runs itself.

AI is moving beyond generating insights and assisting decisions to taking action — planning, coordinating and executing increasingly complex workflows. This shift towards agentic AI has implications far beyond technology, challenging the operating models, organisational structures and assumptions through which businesses have traditionally competed. As intelligence becomes more accessible, competitive advantage may depend less on who has the best AI and more on who can redesign their organisation, infrastructure and decision-making to turn intelligence into outcomes at scale. This session explores how agentic AI is reshaping the architecture of business from the systems that connect people, data and machines to the operating models that enable speed, adaptability and differentiation. In a world where AI can act, what will separate the leaders from the laggards and where will tomorrow’s competitive advantage really reside?