Before buying AI tools, banks should first ask whether they can build reusable foundational capabilities

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Banks should not use AI tools to solve isolated problems one by one, but should prioritize building reusable decision engines, data models, and governance layers to avoid agent sprawl and technical debt. A typical bank could soon be running as many as 30 isolated AI agents; MIT research found that 95% of organizations have not achieved measurable returns from their generative AI investments.