# Banks or Pipes: Where financial institutions go when agents take over

Page: https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856/banks-or-pipes-where-financial-institutions-go-when-agents-take-over
Text version: https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856/banks-or-pipes-where-financial-institutions-go-when-agents-take-over.md
Podcast: [Tearsheet Podcast: Exploring Financial Services Together](https://stenobird.com/podcast/tearsheet-podcast-exploring-financial-services-together-463856)
Published: 2025-11-14T06:00:38+00:00
Episode link: https://soundcloud.com/tearsheet/riverside_new_project-magic
Audio file: https://dts.podtrac.com/redirect.mp3/feeds.soundcloud.com/stream/2209998362-tearsheet-riverside_new_project-magic.mp3
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Duration seconds: 1786

## Resource

Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief. Today, we're unpacking the rise of AI agents and their potential to transform how consumers interact with financial services. I'm joined by my partners Russell Weiss, an AI expert and startup builder, and Josh Liggett, a seasoned fintech investor. Together, we'll bring a multidimensional view to this complex space. We'll dive into real-world examples like Capital One's Chat Concierge, which has driven a 55% boost in customer engagement by automating key tasks across thousands of auto dealer sites. Looking ahead, we'll consider the implications for traditional banks. Will they invest billions in proprietary AI models, or cede ground to big tech and infrastructure players increasingly embedding financial services? We don’t have all the answers but want to open up with good questions and thinking about where things are headed. We'll also explore how the evolution of AI agents could intersect with web3, crypto, and asset tokenization to enable digital transactions. Russell and Josh will weigh in on which players are poised to thrive in this new era of AI-powered finance. There's a lot to cover, but one thing is clear: AI is no longer a far-off possibility for banks. It's a present-day reality redefining what's possible. Stay tuned for a thought-provoking discussion of the opportunities and challenges ahead.

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