Financial Services DX2.0: A Future Strategy Co-Created with AI Agents

The financial industry faces structural changes where past digital transformation (DX1.0) has reached its limits, often resulting in only partial efficiency gains. This article proposes the next evolutionary stage: "Financial Services DX2.0."
This new paradigm positions AI not merely as a tool, but as a "co-creation partner" to fundamentally redesign operations, organization, and decision-making in company-wide. Centered on AI agents that excels at end-to-end optimization, DX2.0 aims to transform institutions into "AI-native organizations" by enabling hyper-personalized customer experiences, advanced risk management, and new human-AI collaboration models. Drawing on global case studies, we present three key recommendations for executive leadership: aligning strategy with new KPIs, rethinking talent and organization, and building a common AI infrastructure.