I work for a major US bank. We use AI for a lot of stuff, but not for determining if someone should be allowed to open an account.
Banking is a heavily regulated industry and there are federal “know your customer” rules that we abide by. They exist for a variety of reasons which mostly all boil down to anti-money laundering.
Trump: Ok, how about Ukraine declares unconditional surrender and Zelensky is hung in Red Square.
Putin: No, not got good enough.