TCF 2025: Temenos and Microsoft Are Driving Innovation Through Agentic AI

At TCF 2025, Monty Bhatia from Temenos and Sandy Gupta from Microsoft shared their ideas about the future of banking powered by AI, focusing on smart AI agents that are changing the industry.

Gupta kicked things off by talking about how traditional banking product managers often find it tough to offer personalized services across different areas and customer groups and mentioned that new AI tools can analyze these differences on a large scale like looking at customer overdraft habits and help banks create products that fit those needs.

Bhatia expanded on the role of AI, imagining a scenario where you don’t need a human advisor for financial advice anymore where instead, an AI could take a look at your financials and offer actionable advice on investments, savings, or withdrawals.

While some people might still want personal advice with AI’s help, there’s a clear move towards automation that can actually make decisions and take action. Gupta mentioned that we’re shifting from just asking AI questions to letting it handle tasks like analyzing markets and finding the best investments based on customer needs.

Looking ahead, both speakers agreed that the most exciting part is how humans and AI are starting to work together more.

Bhatia pointed out that we’re entering a time where both AI and people will assign tasks to each other, supported by models that are getting smarter and more hands-on. He also noted that this future is not far off; it’s already happening, especially in banking where AI is being adopted quickly. He pointed to real-time fraud tools from Temenos, emphasizing the need for AI to be integrated into daily workflows so it feels like a natural part of the role instead of a separate tool.

The discussion wraps up with thoughts on how customers will become more comfortable with AI as security, compliance; similar to how people adapted to the inventions of the internet and mobile phone. Bhatia stressed that working together to innovate and designing products with intention will be key to this shift, while Gupta reminded everyone that what’s coming isn’t just a tech upgrade, but a major change in how financial institutions function and serve their customers.