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AI strategies need flexibility. Stop relying on one model. Focus on robust architecture, multi-LLM systems, and strong governance to survive the constant LLM changes.

| Why is AI important in the banking sector? | The shift from traditional in-person banking to online and mobile platforms has increased customer demand for instant, personalized service. |
| AI Virtual Assistants in Focus: | Banks are investing in AI-driven virtual assistants to create hyper-personalised, real-time solutions that improve customer experiences. |
| What is the top challenge of using AI in banking? | Inefficiencies like higher Average Handling Time (AHT), lack of real-time data, and limited personalization hinder existing customer service strategies. |
| Limits of Traditional Automation: | Automated systems need more nuanced queries, making them less effective for high-value customers with complex needs. |
| What are the benefits of AI chatbots in Banking? | AI virtual assistants enhance efficiency, reduce operational costs, and empower CSRs by handling repetitive tasks and offering personalized interactions. |
| Future Outlook of AI-enabled Virtual Assistants: | AI will transform the role of CSRs into more strategic, relationship-focused positions while continuing to elevate the customer experience in banking. |
Not because the models are bad.
They fail because:
If the LLM landscape is changing every quarter, your AI strategy cannot be “marry one model and hope it works out”.
What you really need is a model-flexible, workflow-first strategy that assumes the landscape will keep shifting – and is fine with that.
This post walks through:
A lot of strategies look like this:
“We’ll standardize on Model X, plug it into a few use cases, and scale from there.”
That works… until:
If your whole strategy is tied to one vendor or one frontier model, you’re basically building AI on quicksand.
A healthier pattern is to think in terms of a multi-LLM strategy, where different models handle different jobs – something we’ve already explored in depth in Fluid AI’s work on multi-LLM and contextual interop.
A lot of enterprises still equate “AI strategy” with:
That’s not a strategy. That’s a feature rollout.
Real strategy asks:
Most AI roadmaps still assume:
Reality is the opposite.
If you don’t design for switching – switching models, switching vendors, switching deployment modes – your AI stack becomes legacy before it even scales.
A resilient AI strategy:
Instead of chasing “best model of the month”, anchor your strategy on four layers that change at different speeds.
This is the part you truly own:
If you don’t have a plan to clean, tag, and expose this data to AI in a safe way, no LLM will magically fix it.
From a strategy lens, this is where you define:
This is your AI operating system:
The orchestration layer should answer:
This is where platforms like Fluid AI are designed to sit: as a stable agentic layer on top of constantly changing models and systems, as we outline in our post on the AI layer that ties systems together.
Here’s the big shift in 2025–2026:
The smartest enterprises are using multiple models inside the same workflow.
For example, in a single customer-support flow you might have:
In Fluid AI’s stack, that can be one workflow with different agents bound to different LLMs, all inside the same orchestration.
Your strategy should treat model choice per step as a design decision, not a one-time procurement line item.
If you want more ideas on how this plays out in practice, our work on multi-LLM workflows breaks down the pattern in more detail.
You can’t have a serious enterprise AI strategy without:
This is exactly the axis where “AI strategy” becomes “enterprise risk strategy”.
We dig into this intersection of autonomy and control in our work on enterprise readiness for agentic AI.
Let’s make this tactical.
Here’s how you can go from vague intention to a concrete, model-flexible strategy in about 60 days.
a. Map your AI surface area
b. Choose 2–3 critical workflows, not 20 use cases
Focus on journeys that are:
For example: claims, onboarding, invoice processing, collections – we’ve shown how agentic AI upgrades these in our enterprise upgrade scenarios.
c. Decide what “good” looks like
For each workflow, set:
This gives your strategy something measurable to lock onto.
a. Draw the workflow with human + AI lanes
For each chosen journey, sketch:
This is where an agentic mindset matters. It’s not “ask model, paste answer”. It’s “plan → call APIs → update systems → confirm outcome”.
We covered this shift from chatbots to agents managing outcomes in our broader agentic playbook.
b. Assign models to steps
For each step, decide:
This gives you a model matrix:
c. Keep the models behind an abstraction
Instead of wiring each app directly to each LLM, route everything through:
That’s exactly how Fluid AI’s platform keeps changing models under the hood while workflows stay intact – a theme that also shows up in our view of AI as the enterprise OS.
a. Ship a “thin slice” into production
Pick one journey (say, customer email triage or KYC checks) and:
b. Measure like a product, not a lab
Track:
This is exactly how we benchmarked real-world agentic workflows in our piece on daily ROI from agentic AI.
c. Tune model choices
If a large model is overkill for some steps:
Your goal: same (or better) outcomes at lower cost and latency.
By this point you should have:
Now you stabilise three things:
We’ve written separately about why on-prem, agentic stacks are crucial in regulated industries in our take on sovereign, regulated deployments.
Your roadmap shouldn’t say:
“2026: move from Model X to Model Y.”
It should say:
“Q1: automate collections; Q2: automate claims; Q3: automate internal analytics.”
The models are servants to that roadmap, not the other way around.
If you’re trying to future-proof your AI strategy, you basically need three things:
Fluid AI’s agentic platform is built exactly around this:
So as new LLMs arrive, your strategy doesn’t need to be rewritten.
You just plug new engines into an architecture that was designed to survive them.
If there’s one takeaway, it’s this:
Your AI strategy shouldn’t bet on a single model. It should bet on your ability to swap models without breaking your business.
That means:
Do that, and it honestly doesn’t matter what launches next quarter.
You’ll already be set up to use it – without starting from scratch every time.
Fluid AI is an AI company based in Mumbai. We help organizations kickstart their AI journey. If you’re seeking a solution for your organization to enhance customer support, boost employee productivity and make the most of your organization’s data, look no further.
Take the first step on this exciting journey by booking a Free Discovery Call with us today and let us help you make your organization future-ready and unlock the full potential of AI for your organization.

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