AGENTIC experience INDEX, SEPTEMBER 2026
Finance
People are letting AI agents like ChatGPT, Claude or Gemini compare loans and open bank accounts.
We’ve tested how 22 banks in the Benelux
deal with agents.
What we TESTED
Steps when taking out a loan
done by an agent.
Read your position
Income, spending and existing debt, from your own documents.
Simulate the loan
A monthly payment for the customer’s actual amount.
Surface the real terms
Not the headline rate — the actual fees, duration and conditions.
Open the account
itsme, eID or DigiD, then the app. Correctly gated, and never reached.
Sign
Signature, and start banking.
This is how banks
in the Benelux scored.
Key numbers
This is the agentic readiness
of banks today
One in five is invisible to agents
4 of 22 companies
The typical bank lets agents advise but never complete
10 of 22 companies
Not one simulation could be completed
0 of 53 transactional tasks
So what does an
agentic experience
in finance look like?
Most banks
Pages are brochures,
not calculators.
An agent can advise on every task, and complete none of them. Everything is legible; nothing is doable.
Europabank
Lets your agent simulate
a car loan.
More prices in raw HTML than any other bank here. But even its price simulation isn't ideal for agents.
What about the rest?
of 22
Invisibles
An agent cannot reach or read them, they are just not part of the conversation.
of 22
Informers
Agents can get in and answer a question, but they cannot complete a job.
Showroom
Everything on display but no till. Usually by accident.
Gatekeeper
The task can only be completed behind a login, identity app, or in a dedicated app. Deliberate, every time.
of 22
Actors
Agents can complete at least one job end to end.
Always a decision to point outwards.
What answers did our agents get?
This gets us thinking.
Opportunity
How banks can become more agentic.
— Open up to agents
Close the loop, or don’t get considered.
Moving ‘real finances’ to a trusted app makes sense. Putting simple loan simulations behind a gate ... not so much. (And we’re not even talking about the one in five banks that are simply invisible to agents.) The top of the funnel is ripe for the taking. Solving the ‘identity problem’ to close that funnel is a cross-industry opportunity: the ‘itsme moment’ for agents?
— Become an agent
Let trusted agents do the work.
Identity and trust are essential, and not something to take lightly. But this doesn’t mean there’s no agentic opportunity in banking. Transform your own app into goal-direct agents that help customers out. Or, let them play and build with their own data in a secure way.
Find out
how you
are doing
22 companies
12 in Belgium, 10 in The Netherlands.
Each was asked the same 3 tasks: