The Artificial Intelligence Show · Thursday, September 10, 2026
John Cowall, CTO of P-Pac Private Bank and Trust, details the bank's AI transformation, which began in 2023 with initial use cases like research and meeting summaries. The initiative has evolved to encompass custom applications, AI agents, and the creation of 'digital employees' designed to handle recurring tasks proactively. This strategic shift was partly driven by cost savings, with the bank opting to build solutions in-house rather than purchase expensive third-party software.
“The journey that they undertook and we're going to discuss began with AI use cases like research, writing, meeting summaries, and employee assistance.”
“So the bank is building and deploying digital employees that combine AI, traditional automation, internal data, and employee-facing tools to perform recurring work proactively.”
“In one example, we'll talk about P-Pac Private considered buying a vendor solution that would have cost more than $300,000, and instead built its own because AI changed what they were able to build internally.”