Tom Bennett on AI and automation in financial services in 2026
The financial services landscape is undergoing a profound transformation as artificial intelligence (“AI”), data-driven strategies, and tokenisation become embedded in every operational process. Traditional manual tasks are increasingly handled by automated solutions, fundamentally changing how firms manage compliance, risk, and client interactions. In addition to the efficiency gains, tech-enabled distribution ecosystems and partnerships, underpinned by new disruptive technologies, are opening up new market opportunities.
AI-driven operational efficiency
AI is now at the heart of operational workflows. Processes such as Know Your Customer (“KYC”) and Anti-Money Laundering (“AML”) decisions are being automated, reducing the time and human effort required for compliance. Net Asset Value (“NAV”) production and reconciliation benefit from AI enhancements, resulting in faster and more accurate financial reporting. Predictive oversight tools powered by AI enable firms to detect anomalies and manage risk proactively, strengthening compliance frameworks.
Data as a strategic advantage
In the digital era, data is a vital asset. Firms that successfully structure, unify, and leverage their data across the entire business lifecycle gain a competitive edge. These organisations deliver services with greater speed and lower costs, while building trust with clients through transparent and reliable operations. The ability to harness data effectively is becoming a key differentiator in the market.
Client experience: The rise of the “always-on” digital service
Investor expectations are changing quickly. The demand for instant onboarding, real-time portfolio updates, and seamless transactions is driving the push towards “always-on” digital servicing. With AI-powered assistance, investors receive tailored support and information at any moment, making client engagement more efficient and personalised. The integration of digital solutions ensures that subscription and redemption processes are smooth and frictionless.
Tokenisation and AI: Building the next generation of market infrastructure
The convergence of tokenisation and AI is revolutionising market infrastructure. Settlement processes, registry management, risk assessment, and distribution are being automated and scaled to new heights. This not only reduces operational friction, especially in private markets, but also paves the way for more resilient, transparent, and efficient financial systems. As these technologies mature, they promise to unlock new opportunities and reshape the financial services industry.
In summary, the integration of AI, advanced data management, and tokenisation is reimagining the financial services sector. Firms that embrace these innovations will be well-positioned to lead in an increasingly digital and client-centric world.
