The Path to Banking's Dual Workforce, with nCino CEO Sean Desmond

How will bankers and AI agents be working side by side five years from now? For most banks, that is no longer a hypothetical. New global research from nCino (link below) finds that 89% of banking executives expect their organization to be a combination of humans and AI agents within five years, and 84% say agentic AI has already changed how most banking roles operate. Leaders frame this as a move toward higher-value work. 91% say AI lets their people spend more time on the customer-facing tasks that matter most. In this episode of Banking Transformed, host Jim Marous sits down with Sean Desmond, President and CEO of nCino. Sean's view is that the real question is no longer whether to adopt AI but how to turn that activity into measurable outcomes. The research backs him up. Four in five executives say their organization prioritizes AI adoption over return on investment. Sean walks through how nCino moved past experimentation, including a personal agent stack he scoped in a single evening, and why he believes the goal is to raise up what bankers can do rather than take work away from them. In this conversation: The dual workforce: how humans and AI agents are beginning to share the workload, and what shifts when they do. Adoption to impact: why so many banks can point to AI activity but not yet to AI return, and how Sean thinks they close that gap. Beyond the sandbox: moving AI from test environments onto live production data without breaking governance. The data reality: why 94% of executives want one end-to-end AI solution while 93% still struggle with siloed or inconsistent data. Sponsored by nCino:nCino's inaugural AI in Banking Benchmark surveyed 150 senior banking executives and the results tell a story of high confidence with a striking blind spot. Nearly 9 in 10 say AI agents are the future, but only 1 in 5 are tying it to revenue. #BankingTransformed #nCino #DualWorkforce #AgenticAI #AIinBanking #FutureOfBanking #Fintech