Here's something worth pondering: as AI spending skyrockets, guess who's positioned to win big? The mega-banks. Their deep pockets give them an edge smaller players simply can't match.

But here's the catch - when the biggest institutions consolidate even more power through tech advantages, regulators need to stay sharp. Market concentration isn't just about size anymore; it's about who can afford the AI arms race. Competition watchdogs better be paying attention, because this could reshape the entire financial landscape in ways we haven't fully grasped yet.

The question isn't whether AI will transform banking. It already is. The real question: will authorities act before the competitive gap becomes unbridgeable?

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