Meltem Demirors: Agent use could accelerate change in bank deposit stickiness

Meltem Demirors: Agent use could accelerate change in bank deposit stickiness
Agent use could reshape bank deposit patterns

Meltem Demirors, General Partner and Founder at Crucible Capital Group, questioned whether the rise of agents could change the stickiness of bank deposits and what second order effects may follow. She noted that consumer deposit balance churn has increased approximately 25% over the past seven years with the rise of FinTech, and suggested that agents might drive this change even faster.

Demirors previously highlighted that the evolution of mathematical capabilities is expanding risk exposure across the crypto ecosystem, according to a recent article. She has also noted a surge in investing without trading experience and said managing volatility risk is now essential for all market participants in a separate commentary. These observations come as financial technology continues to reshape traditional banking behaviors.

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