What the FinTech? | S.7 Episode 21 | The rise of invisible banking - preparing for an agentic future
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Rolf Njor Jensen, VP of Technology at Nordic digital bank Lunar, to explore the concept of invisible banking and what it means for the future of how customers interact with their money. Rolf discusses why the interface customers use to manage their finances is changing, moving away from a bank's own app and toward AI platforms and agents acting on a customer's behalf, and explains what it means for banks when AI becomes the primary point of contact. The conversation then examines what it looks like in practice for banks to become the infrastructure AI agents run on, rather than the interface customers interact with directly. Rolf and Paul also explore how banks can maintain customer relationships, trust, and brand loyalty in a world where third-party AI agents sit between the bank and the customer, as well as where accountability sits if something goes wrong with an AI-driven transaction. The episode finishes with a look at how AI-assisted development is reshaping engineering output at Lunar, the bank’s approach to AI and its broader technology strategy, and what to look forward to as the agentic era in banking continues to unfold. Tune in to hear what this all means for the future of banking and the role Lunar aims to play in shaping it.
