Sibos 2026 Spotlights Agentic AI and Tokenisation as the Next Big Bets for Banking
At Sibos 2026 in early October the dominant themes across the four days were agentic payments, AI driven economies, quantum computing and tokenisation. Day three coverage centred on agentic payments taking the main stage, with the transition to AI powered commerce described as more than a technology shift and as a new phase in how consumers interact with financial services. Day four unpacked quantum computing and tokenisation as emerging infrastructure challenges for the industry. Separately, Nubank rolled out the AI powered compliance platform of Y Combinator backed RegTech firm Cardamon across every jurisdiction where it operates on 2 October 2026.
Why it matters for finance, banking and treasury
Agentic AI, where software agents act autonomously on behalf of users to initiate and complete financial transactions, introduces new questions around authorisation, liability, fraud detection and regulatory compliance that finance and technology teams have not yet fully mapped. Tokenisation of real world assets including bonds and funds is moving from pilot to production at several institutions, which has implications for settlement, custody and collateral management workflows. The Nubank and Cardamon deployment shows that AI is already being used at production scale for regulatory compliance across multiple jurisdictions, setting a benchmark that risk and compliance leaders at other institutions will be measured against.
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