Agentic AI will shift from a reactive helper to a proactive digital worker, enabling autonomous financial decision-making, personalised customer experiences, and enhanced operational efficiency. Key areas of impact include autonomous portfolio management, dynamic risk management through predictive analysis, automated compliance tasks, and intelligent financial reporting with automated insights. This will fundamentally change how financial institutions and consumers manage money, leading to significant operational changes and a greater reliance on AI agents for complex, multi-step tasks.
Impact on financial institutions:
Operational excellence: Agentic AI will automate complex back-office functions like mortgage underwriting and streamline financial crime investigations, reducing processing times and freeing up human experts for higher-value work.
Enhanced risk management: Systems will monitor and respond to threats in real-time, identify anomalous behavior, and perform automated risk mitigation such as rebalancing portfolios based on live, synthesised data.
Intelligent financial reporting: AI agents will not only compile reports but also analyse them to identify trends, explain variances, and even suggest strategic responses, while ensuring regulatory compliance.
Impact on financial services and customers:
Personalised and proactive advice: Agentic AI will act as an intelligent financial companion, continuously monitoring goals, anticipating needs, and delivering personalised advice across channels.
Autonomous portfolio management: Agents will be able to continuously adjust asset allocations in real time, based on evolving investor goals and risk tolerance.
Proactive fraud prevention: Beyond simply flagging suspicious transactions, agentic AI will be able to conduct contextual analysis and take direct action to block fraudulent activity.
New consumer experiences: Agentic AI is expected to be as transformative for personal finance as smartphones were, with more monumental changes in how individuals manage their finances, payments, and investments.
Adoption and outlook:
Rapid adoption: The adoption of agentic AI in finance is growing rapidly, with one study predicting that 44% of finance leaders will use it by 2026.
Shift in software: By 2028, Gartner predicts that 33% of enterprise software applications will embed agentic AI capabilities, a massive increase from less than 1% in 2024.
Increased reliance on AI: By 2028, at least 15% of day-to-day business decisions may be made autonomously.
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