Bank Marketers Use Generative AI but Rarely Deploy AI Agents

Sep 29, 2026
Cornerstone Advisors finds that 63% of bank and credit union marketing teams use generative AI for content creation, but only 9% use AI agents that can execute actions.

Cornerstone Advisors said in a press release that 63% of bank and credit union marketing teams use generative AI for content creation, while 32% use AI for analytics and decision support. The report, commissioned by Persado, found that only 9% currently use AI agents that can execute actions.

Another 47% view agentic AI as an experimental or emerging investment area, while 5% consider it a top strategic priority. Nearly two thirds expect their organizations to become comfortable within two years with agents executing marketing actions inside approved boundaries.

Respondents identified campaign and customer journey orchestration as the application with the greatest potential impact, cited by 27%, followed by offer or product recommendations at 25%. Compliance remains a constraint, with some review cycles taking four to six weeks. The report identified integrated compliance review, customer journey orchestration, content optimization and segmentation in real time as potential applications for AI agents.

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