Citi’s Sophia Bantanidis hosted David Birch, author, advisor, and commentator on digital financial services, and Kirsty Rutter, Corporate VC, Lloyds Banking Group to discuss how in the future it will not only be banks that are powered by AI but also customers & clients in the form of bots. These bots would execute banking and transactions on their behalf. We discuss what implications this paradigm shift in banking will have on banks’ business models, products / services, and profit pools.