FRANCE Trends and Developments Contributed by: Marie Frisch and Estelle Rigal-Alexandre, Soulier Bunch
finances, spanning budgeting, savings, credit and investments. Similarly, loan applications could be pro - cessed in real time by AI systems, with dynamic cred - itworthiness assessments. Fraudulent activity could also be detected and blocked instantly by agents pro - viding continuous transaction monitoring. Financial markets will also be impacted, as algorith - mic trading – already the dominant force – gives way to autonomous AI agents capable of making invest - ment decisions by synthesising millions of data points (news, social media, and macroeconomic indicators). Investment funds could also be managed entirely by AI systems, deploying adaptive strategies that adapt in response to real-time market trends.
These innovations are likely to reduce banks’ opera - tional costs, primarily through process automation, while fostering the emergence of fintech companies and neobanks that are more agile than traditional banks. However, this major shift raises critical ques - tions regarding liability, decision-making transparency, ethics, cybersecurity and the risk of algorithmic bias. Ultimately, the emergence of agentic commerce and agentic AI in finance appears inevitable. For banks and financial institutions, it represents an opportu - nity to reinvent their business model, moving from standardised products towards hyper-personalised and proactive services. However, this revolution also brings its share of risks and regulatory challenges.
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