By 2027, financial services will enter the era of intelligent finance. AI assistants will increasingly mediate customer relationships. AI-native competitors will challenge traditional operating models. At the same time, technology providers will compete to become the orchestration layer. The result? Competition will shift away from products and channels and toward intelligence. The winners will be the organizations that combine proprietary data, decisioning, orchestration, and trust to help customers achieve better financial outcomes. Here are three of our 2027 predictions that will shape the future of banking and investing.

Forty percent of banks will launch AI assistants, but most won’t orchestrate customers’ financial lives.

Banks are rushing to launch AI assistants , but simply having one is not a strategy. Customers increasingly expect personalized financial guidance that spans accounts, providers, and life events.…