As banks adopt agentic AI, risk culture is no longer shaped solely by people. It is becoming a property of human–agent systems, where decision-making, behaviours and controls are shared between humans and technology.
This evolution challenges long-established assumptions. Culture is no longer only learned through leadership, incentives and peer behaviour – it is increasingly embedded in systems, policies and algorithmic guardrails. This raises critical questions around accountability, oversight and how culture is defined and reinforced in hybrid teams.
