AI and Financial Regulation – Wharton Future of Finance Series

Knowledge at Wharton

  • Sep 21, 2026
  • 28:40
  • Full Episode

As artificial intelligence becomes more autonomous, it raises new questions about risk, oversight, and financial stability. In this Future of Finance series episode on financial regulation, host and Wharton professor Itay Goldstein speaks with Sarah Breeden, Deputy Governor for Financial Stability at the Bank of England, about the rise of agentic AI and what it could mean for financial markets and institutions. They examine how autonomous AI systems could act at greater speed and scale, the potential for unintended market behavior, how regulators can maintain effective human oversight, and how the financial system can capture the benefits of AI while managing emerging risks. The discussion is part of a special series of Future of Finance exploring the impact of artificial intelligence on the financial landscape.

SERIES OVERVIEW Hosted by Wharton finance professor Itay Goldstein, this limited series takes a deep dive into the cutting-edge insights and pioneering perspectives of experts in finance, academia, and industry. Discover how artificial intelligence is reshaping financial markets and institutions as we explore its impact on investing, financial stability, the economy, and the future of work in finance.

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Brief Summary

Sarah Breeden discusses AI's impact on financial stability and regulation, highlighting the challenges of agentic AI and the need for adaptive oversight.

Key points

  • The Future of Finance Podcast. Exploring how AI is transforming finance and its implications for stability and regulation.
  • AI and Financial Stability. Sarah Breeden discusses the challenges of regulating AI in financial markets.
  • The Role of Humans in AI Regulation. The importance of keeping humans in the loop as AI takes on more responsibilities.
  • Defining Success in AI. Success in AI is about societal adoption and benefits, not just regulation.
  • Future Opportunities in AI. The community of Wharton has interesting opportunities to explore in AI and finance.
  • Closing Thoughts on AI and Finance. Reflecting on the importance of AI in transforming financial markets.

Tension

60/ 100Some tension

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