CGI: 75% of Banks Explore Agentic AI as APIs Become Front Door
Europe – October 15, 2026 -- 75% of banks are exploring agentic AI, yet 39% remain in the proof-of-concept phase, according to CGI's latest Voice of Our Clients research. CGI argues that lenders must now prepare for customers who delegate product selection to AI agents.
APIs replace the app as the bank's front door
CGI says AI agents will compare, calculate and negotiate based on structured product information, reliable APIs, transparent pricing and lending criteria that software can interpret, rather than on app design. An agent could assess a bank's offering in milliseconds, reject its API and move on to a competitor. CGI frames API quality as a business capability and a source of competitive advantage, not only an IT metric.