As time goes on, we are seeing more and more investments in live banking. With live-style banking services experiencing a 40% year-on-year increase, we are not only seeing more secure transactions, but transactions that happen instantly, regardless of where in the world you are.
Current Transformations are Reflecting Wider Trends
In financial services, the shift is incredibly clear. Open APIs allow instant payments to happen, with real-time data sharing. AI systems are also being used to provide people with proactive insights, as opposed to reactive statements.
This, combined with video sharing, allows face-to-face banking, where people can speak with advisors, or even with mortgage specialists for complex services, without having to enter a branch. The live evolution isn’t just limited to finance, either.
Zoom and other programs have made it easier to share files online, which supports remote work as well as collaboration between teams. The entertainment sector experienced it years ago as well. Broadcasts, livestreams, and interactive chats are dominating right now, with trends like this helping to shape live casino games online in particular. Live dealer games allow real croupiers to stream games directly to players in their homes, blending human presence with a convenient and accessible digital experience that can be taken anywhere. We are also seeing a shift in retail. Live shipping events allow people to buy products in real-time, with brands using social media platforms to try to create instant checkout opportunities. Examples like this show that the financial revolution has been happening for quite some time, but this year, we have seen a real uptick in adoption.
Agentic AI and Live Banking in 2026
Services like LiveBank24 provide banks with the tools they need to conduct video calls with customers, 24-hours a day. As this can be done through video, voice, or even chat, high levels of service can be provided. With neobanks and mobile-only apps that include Wise and Monese also on the rise, real-time payments are also becoming the norm.
When you combine this with instant notifications and spending insights, the live banking sector is thriving right now. People no longer need to wait weeks to arrange an appointment with a banking specialist in a branch, and instead, can jump on a video call to discuss options. Agentic AI is also playing a huge role here.
AI agents are no longer limited to answering questions with formulaic responses, as they can now make decisions and even take multi-step actions for customer onboarding. For mortgage approvals, this means that people can be guided through every step of the process before being connected with a live agent to complete the process.
Live banking as a whole is particularly interesting, and as time goes on, more and more digital banks are adopting features. Some examples would be Monese, Wise, Starling, and Revolut, which have live in-app support with experienced financial professionals. Examples like this not only show how far banking has come, but also the potential we can expect moving into the future.
