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Reasoning agents enter the onboarding process for banks

The next phase for banks in the KYC/AML space will be using agentic AI to replace sequential, siloed checks with orchestrator agents, IBM researchers say.

digital agent

By 2026, most investment banks have completed the first wave of digital compliance transformation. Optical character recognition (OCR), biometric authentication, and electronic identity verification are now table stakes across institutional onboarding desks. But these applications were built to capture data, not to make judgment calls. For a front office that onboards hedge funds, sovereign wealth vehicles, and cross-border corporates with layered ownership structures, data capture was never the

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