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According to Ron Shevlin, Chief Research Officer at Cornerstone Advisors, many vendors pushing agentic AI into banking workflows are still “building ROI slides” while regulators and bank risk teams are increasingly demanding explainability, auditability and evidence of control frameworks.

"I'm a bit skeptical about the role X will play in the money movement space," Tony DeSanctis, senior director at Cornerstone Advisors, told American Banker. "There are plenty of viable payment solutions that exist today and the need for X seems more to serve the needs of X and Twitter than it does consumers."

Research from Cornerstone Advisors shows a dramatic increase in chatbot deployment at credit unions, from just 3% in 2019 to 46% in 2026.

A new study from Cornerstone Advisors and Casap finds first-party fraud has become one of the fastest-growing fraud categories facing financial institutions, with U.S. businesses now losing an estimated $100 billion annually to the problem.

Steve Williams from Cornerstone Advisors recognized by Phoenix Titan 100 for exceptional leadership, vision, passion, and influence in their field

Recent research from Cornerstone Advisors and InvestFi found that nearly two-thirds of Gen Z and millennial investors moved money out of bank deposit accounts over the past year to fund investments, with many using fintech platforms for stocks, ETFs, and cryptocurrency. Google will likely accelerate that outflow of invisible assets.

As he assumes a really hard job, Kevin Warsh is praying that a recklessly spending country with a bloated central bank can be saved by a historic AI productivity boom. He’s hoping AI-driven gains will give him room to shrink the Fed balance sheet without a liquidity crisis. He's smart to potentially use the next tech inflection point to stop kicking the can down the road, but it’s a high-risk bet.

Research from Cornerstone Advisors reveals that more than $2 trillion has flowed from community banks and credit unions into fintech investing and high-yield platforms in recent years. Notably, roughly two-thirds of those outflows came from Generation X and Baby Boomer customers.

Most financial institutions are under pressure to prove which channels drive funded accounts, loans, deposits, and long-term customer value. Yet new research from Cornerstone Advisors and Fintel Connect found that more than half of U.S. bank and credit union executives still determine marketing budgets based on the previous year’s spend.

Expert quote: "Rebranding to a bank sets different expectations in terms of performance and growth." —Cornerstone Advisors' Tony DeSanctis