18 September 2026
·9 min read
99 Percent Is a Failing Grade
Ten steps at 90 percent complete 35 percent of the time. Chained reliability is arithmetic, and the strongest lever is a deterministic step that never degrades it.
ReadWaitingisnotastrategy.Itisadefault.
Defaults do not survive structural shifts. The banks that redesign their operating model around AI as a workforce will set the terms. The rest will adapt to theirs.
A framework for Swiss banking and financial services leadership.
The Argument
Your bank already has a target operating model. It was designed for a workforce that was entirely human.
An Agentic Target Operating Model describes what the organisation looks like when AI is a participant: three layers of workforce (bots, agents, humans), each with different governance. Escalation designed in, with triggers based on the cost of being wrong. Outcomes owned end-to-end by agent systems that coordinate across what used to be functional boundaries.
The framework
Three layers. Bots handle the deterministic. Agents decide within policy envelopes. Humans govern the edges.
View the modelThe Swiss advantage
FINMA's principles-based regulation, data sovereignty, and relationship banking create structural space for agentic systems.
Read the argumentThe pressure
When every client's agent queries thirty banks at once, inbound volume rises tenfold. Revenue does not.
See the numbers“If your mental model still has departments optimising steps, you are not there yet.”
Assessment
How ready is your bank?
Fifteen questions across five dimensions. Five minutes. Exportable as PDF for your leadership team.
Thoughts
Recent thinking
7 July 2026
·4 min read
The Six Percent Club
McKinsey puts the share of companies with a significant EBIT effect from AI at six percent. Three habits separate them: breadth, iteration, the discipline to stop.
Read3 July 2026
·5 min read
Your Software Will Be Tested at Machine Speed
Time from disclosure to exploitation fell from 2.3 years to three hours. Testing is the next function that must become agentic. In a bank, it is a control.
ReadAbout
Marc Hauser
Twenty years across digital banking, fintech, and emerging technologies. Multiple director-level roles at UBS covering digital channels, wealth management, and investment products across international markets. CEO of Trust Square, the Zürich blockchain hub. Managing Partner at Tenity, leading early-stage fintech investment and open innovation partnerships with Julius Bär, UBS, and others. Co-founded an ETH AI spin-off. Now heading banking and financial services for UiPath in Switzerland. Keynotes and executive briefings across the Swiss financial centre.
Based in Zürich. One daughter who will be agent-native before she is old enough to open a bank account. This site is a framework I use in my own thinking, offered here as a basis for serious conversation with people working on the same questions.
linkedin.com/in/marcoliverhauser
Let's talk
Start a conversation.
I work with leaders in the field on what the agentic shift means for their institution. If these questions are on your desk, start a conversation. No agenda needed.