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"AI's Impact on Regional Banks," offers a comprehensive overview of how Artificial Intelligence (AI), automation, and agentic systems are poised to transform the regional commercial banking sector. It explains a spectrum of intelligent technologies, from basic Robotic Process Automation (RPA) for repetitive tasks, to Traditional AI/Machine Learning (ML) for predictive analysis, Generative AI (GenAI) for content creation, and ultimately, Agentic AI for autonomous, goal-oriented actions. The text details how these technologies will reinvent back and middle-office operations like loan processing and risk management, as well as transform front-office customer experiences through hyper-personalization and 24/7 digital bankers. The article also addresses the significant implementation challenges regional banks face, including integrating with legacy systems, securing talent, navigating regulatory complexities, and mitigating risks such as algorithmic bias, concluding with strategic recommendations for building a resilient, AI-native institution.