“What should banks do next?
First, agentic AI should not be viewed as an independent initiative, disconnected from the broader AI and automation efforts. Agentic AI is often best for complex tasks requiring proactive execution and autonomous decision-making while traditional AI may suit pattern recognition and predictive tasks. Banks should deploy each where it adds the most value.
Fostering a culture of human-AI collaboration can ease orchestration and execution of AI agents. The shift to agentic AI will likely require a significant cultural change, more so than traditional AI or standard LLMs. Rather than positioning humans at the center of task execution, banks should adapt to a model where AI agents increasingly take on a central role (figure 6), with humans guiding, overseeing, and intervening as needed. Investing in AI literacy and training can foster trust, facilitate smoother adoption, and ensure more effective human-agent partnerships.”