2. Security

Protect 360 blends credit monitoring, dark-web alerts and data-broker removal, showing how banks are extending customer protection beyond payment fraud.

A revised verification programme introduces tiered access for vulnerability research, incident response and authorised red-team work.

The company says frontier models are increasing the number of findings in its code base, shifting the security bottleneck from discovery to risk-based remediation.

Microsoft's 2026 Digital Defense Report puts agent identities, data access and tool permissions at the centre of AI security. Banks should test authority across complete workflows, including agent handoffs.

The Bank of England has linked the AI investment boom with frontier-model cyber and operational risk, placing financing, resilience and governance in one financial-stability frame.

OpenShell and the Sentry reference design move agent monitoring into runtime and hardware layers, with JPMorganChase, Microsoft and leading security vendors among the named supporters.