Banks have spent three years experimenting with generative AI. Most of those pilots are quietly dying. Not because the technology failed, but because no one could prove the return, govern the risk, or scale what worked.

In this episode of Banking Transformed, I sit down with Derek White, founder and CEO of Primitive, and Ryan Caldwell, founder and CEO of MX. Primitive launched as the complete AI agent operating system purpose-built for regulated financial institutions. The MX partnership powers a new AI-native Growth Agent for banks and credit unions.

In this conversation:

• Why Derek believes banks will soon have more AI agents than employees

• Agent Capital and Return on Agent Capital as the new language for the bank P&L

• The Growth Agent will identify opportunities in real time and automate campaigns

• Where banks should actually start

If you lead strategy, digital, data, or AI at a bank or credit union, this is the conversation that will reshape how you think about the next 24 months.

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