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Article
AI Fluency Will Decide Banking's Future
As AI evolves from a passive tool into increasingly autonomous systems, banks must move beyond AI literacy to develop genuine AI fluency. Chris Smigielski argues that people, governance and continuous learning will determine whether institutions can innovate responsibly while managing the emerging risks of agentic AI.
Aug 25, 2026
Christopher Smigielski, Risk Model & Director, Arvest Bank Group
Tags:
Model risk
The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization
- AI fluency rather
than AI literacy will determine whether banks can govern increasingly
autonomous systems
- Agentic AI introduces
new risks including cascading failures, rogue agents and goal misalignment
- Existing governance
should be complemented by frameworks such as the NIST AI Risk Management
Framework
- AI governance
requires collaboration across compliance, model risk, technology, security
and audit
- Boston Consulting
Group research suggests 70% of successful AI transformation investment
should focus on people, processes and culture
- Human oversight is
only an effective control if employees possess sufficient AI fluency to
challenge outputs
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