Artificial intelligence is moving from experimentation to infrastructure in banking. Over the next five years, AI will stop being a collection of pilots and become a core enterprise capability that shapes operations, customer experience, risk management, and regulatory readiness. For CIOs, this shift fundamentally changes the job—AI is no longer a technology initiative that can be delegated to innovation teams, but a strategic imperative that requires decisions about data foundations, operating models, governance, talent, and how value is measured across the enterprise.