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Artificial intelligence (AI) will make powerful the banking and financial institutions to totally redefine how they function, institute ground-breaking products and services, and most prominently brunt customer experience interferences. In the machine age era, banks will find themselves challenging with the help of fintech companies by leveraging sophisticated technologies that supplement or even restore human workers with classy algorithms. To uphold a sharp spirited edge, banking and financial companies will need to cuddle AI and weave it into their business strategy and operations. This present article will examine the dynamics of AI ecosystems in the banking and financial industry and how it is fast becoming a most important disrupter by looking at some of the critical unsolved problems in this area of business. AI‟ s possible can be looked at from side to side with several lenses in this sector, predominantly its implications and relevance crossways the operating backdrop of banking and financial service industry.