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The rapid adoption of cloud-native technologies is transforming enterprise banking communication systems by improving scalability, reliability, and customer engagement. This study presents the modernization of a legacy monolithic notification platform into a Cloud-Native Enterprise Banking Communication System powered by Artificial Intelligence (AI), Kubernetes microservices, Apache Kafka, and event-driven architecture. The proposed platform replaces traditional MQ Series messaging and rule-based processing with intelligent notification orchestration, contextual personalization, and real-time streaming to enhance operational efficiency and user experience. Performance evaluation demonstrates a 92% reduction in notification latency, a 67% increase in call deflection, a 99.99% notification delivery success rate, and significant improvements in customer satisfaction measured through Net Promoter Score (NPS). The cloud-native architecture also delivers a return on investment within 4.5 months and generates approximately US$28.8 million in annual operational savings through optimized infrastructure utilization and automation. The framework supports secure, scalable, and resilient banking communication while enabling zero-downtime migration from legacy systems. Future enhancements include quantum-safe encryption, Agentic AI, and composable architecture to support next-generation digital banking services and large-scale real-time customer engagement for millions of users.