Bank 5.0

1. Auflage 2026
ISBN: 978-1-394-44648-3
Verlag: John Wiley & Sons Inc

Buch, Englisch, 496 Seiten

BANKING EVERYWHERE, BEYOND HUMAN LIMITS

A new financial system is emerging—one where humans aren’t the primary customer.

AI agents will buy goods, manage portfolios, negotiate loans, and trade with each other at a speed and scale no human organization can match. By the 2030s, billions of agents will participate in the global economy, outnumbering humanity itself.

Those agents will need banks engineered for them. Not for us.

BANK 5.0 takes you inside the era of Agentic Banking: where programmable money moves autonomously, regulation becomes economic infrastructure, and financial institutions evolve into intelligent systems that never close.

Brett King—the #1 global bestselling author who forecasted the decline of the branch, the rise of mobile, and the emergence of embedded finance—now turns to the most profound rethink of banking since Cosimo de’ Medici.

The question is no longer whether banking will change. It’s whether any of today’s banks will make it to BANK 5.0.

“Once more, Brett King predicts the future of banking and financial services: enabling the economies of fully autonomous societies in the age of agentic intelligence. More than insights, he has charted a roadmap to successfully navigate a transition that is already underway. Bank 5.0 lays out the urgent questions, strategic choices, and pitfalls every leader needs to act on today to remain relevant for tomorrow.”
Michael Miebach, CEO, Mastercard

“AI will be the most transformational technology for banking. While the smartphone democratized access, AI will democratize intelligence. The book offers an exciting vision of financial services that is simpler, more human, and more useful, where technology amplifies judgment, strengthens trust, and helps customers around the world achieve better outcomes.”
David Vélez, CEO and Founder, Nubank

Autoren/Hrsg.

King, Brett

Weitere Mitwirkende

Cao, Jason

Khalil, J. K.

Michelin, Julia

Holman, Jonathan

Dawson, Ross

Vellozo, Andre

Pylarinou, Efi

Birch, David

Petty, Richard

Anderson, Kevin J.

Fachgebiete

• Wirtschaftswissenschaften Finanzsektor & Finanzdienstleistungen Bankwirtschaft

Inhaltsverzeichnis

Foreword xiii
Introduction xxi
Acknowledgments xxvii

PART I THE INEVITABILITY OF INTELLIGENCE
CHAPTER 1 The rise of the machines 3
CHAPTER 2 "The foothills of the singularity" 27
CHAPTER 3 The banking experience layer 44
CHAPTER 4 How fintechs ate the banks' lunch 56
CHAPTER 5 Agency: The emergence of self-directed AI 71

PART II THE ORCHESTRATION LAYER
CHAPTER 6 Rearchitecting, not rewiring 107
CHAPTER 7 The orchestration layer 118
CHAPTER 8 Data lakes and foundational models 129
CHAPTER 9 The data layer and agentic AI 162
CHAPTER 10 Know your agent 174

PART III THE TECH STACK: THE ARCHITECTURE ENABLING AGENTIC BANKING
CHAPTER 11 Real-time, always-on digital infrastructure 199
CHAPTER 12 The cloud-based core 212
CHAPTER 13 The data nervous system 217
CHAPTER 14 The AI engine 225

PART IV THE EXPERIENCE LAYER
CHAPTER 15 Generative finance, liquid interfaces and personal AI 239
CHAPTER 16 Real-time rails, invisible payments and ambient credit 256
CHAPTER 17 AI-negotiated pricing, risk and insurance 271
CHAPTER 18 Financial inclusion in an agentic world 282
CHAPTER 19 Open banking and the renaissance of agents 297

PART V MACRO IMPACT, GOVERNANCE AND POLICY
CHAPTER 20 Economics in an emerging smart, agentic future 311
CHAPTER 21 Regulatory technology as core infrastructure 355
CHAPTER 22 Is health an emerging currency? 386
CHAPTER 23 A framework for building the Human+AI organization 397
CONCLUSION The only path to agentic banking 424

About the authors 451
Index 457

Über Autor(innen)

Brett King is the #1 ranked Fintech Influencer globally (FinTech Magazine), a top 7 globally ranked futurist (Global Gurus), a 9-time international bestselling author, award-winning speaker, and Fintech Hall of Famer who hosts two globally dominant podcasts (The Futurists / Breaking Banks) with over 20 million downloads. King was the founder of the world’s first mobile neobank, Moven (2010), and media companies Provoke Media and The Futurists Network. He is co-founder of LumaBrush AI, an advanced AI oral healthcare startup.
He advised the Obama administration on the future of banking; President Xi cited his book Augmented on smart cities and AI; and he currently advises the UAE Prime Minister’s Office, Mastercard’s EEMEA AI Center of Excellence and the UAE Central Bank. He sits on the board of directors of Barq, the fastest-growing neobank globally.
His book Augmented: Life in the Smart Lane was a top 10 nonfiction book in North America. Bank 4.0 was awarded Best Foreign Book for Russia for 2019. Branch Tomorrow was published in 2025 by Wiley and Marshall Cavendish. Bank 5.0 is his eighth book in the banking sphere.