Agentic AI is set to redefine the banking and financial services sector. But how can organizations effectively prepare for this new era?

The banking, financial services and insurance sector faces unprecedented challenges. Rising operational costs, increasingly stringent regulations, and evolving customer demands are reshaping the industry landscape.

At the same time, tech-savvy competitors are gaining ground, capturing market share and unlocking new revenue streams by catering to the generational shift in wealth from baby boomers to Gen X and millennials.1 In this fast-evolving environment, digital transformation is no longer optional, it’s essential for staying competitive and improving profitability.

That path to profitability lies in agentic AI.

This advanced form of artificial intelligence enables software agents to learn, reason and adapt autonomously, offering transformative potential for the sector. So, how exactly can agentic AI help those organizations and, more importantly, how can they prepare for this new era of AI?

How will agentic AI reshape the sector?

From fraud detection and customer service to risk management and loan underwriting, agentic AI goes beyond simple automation. Unlike traditional AI, which often relies on predefined rules, agentic AI can handle complex, unpredictable scenarios, whilst learning over time, making it an ideal solution for addressing the challenges within the financial sector. 

It can analyze complex data, identify patterns and make informed decisions autonomously, such as approving loans or identifying suspicious transactions. Moreover, it can adapt to complex market conditions with increased accuracy. Agentic AI drives efficiency and cost savings by automating processes while enhancing customer experiences with personalized, always-available support. 

But what does this look like in action?

Key Applications in banking, financial services and insurance

Agentic AI’s increased autonomy, relative to other forms of AI, enables it to handle repetitive, data-intensive processes. This simply enhances workflows, enhances compliance and transforms how financial institutions conduct business and interact with customers.

Customer service and personalization

Chatbots powered by agentic AI deliver 24/7 support, providing personalized financial advice, answering complex queries and operating without predefined parameters like other AI models. For example, they can guide customers through mortgage applications, offering tailored advice and streamlining the process.

Risk management and compliance

Agentic AI automates regulatory reporting and continuously monitors for compliance violations, reducing administrative burdens. It can also analyze market data to detect and mitigate potential risks, such as credit exposure or market volatility while ensuring adherence to anti-money laundering (AML) regulations.

Loan underwriting and credit scoring

Unlike traditional AI models that rely on static algorithms and limited datasets, agentic AI continuously learns and adapts to evolving trends and behaviors, enabling more nuanced and accurate credit assessments. Integrating diverse data sources provides a more comprehensive view of borrower risk, ensuring better decisions and reducing default rates. This leads to faster loan approvals for eligible borrowers while minimizing risks for lenders.

Preparing for agentic AI

Much like with any big investment, successfully adopting agentic AI requires careful planning, due diligence and a holistic approach. That’s why it’s important to first consider TQA’s five pillars of AI readiness. Organizations must first align AI initiatives with their broader goals to ensure measurable value while investing in robust data infrastructure to support AI models securely and effectively.

Regulatory compliance is a critical focus for the financial sector, as navigating the complexities of industry standards helps to mitigate risks and is something to consider from an AI perspective. Additionally, equipping teams with the necessary skills to work alongside AI further strengthens the foundation for successful adoption. This and more, is a part of what makes up TQA’s pillars of AI readiness.

Ultimately, successful AI adoption requires a balance of people, processes and technology. Those organizations and financial institutions that take the right approach forward can better prepare to fully harness the transformative potential of agentic AI, all while meeting the unique challenges of the sector.

The future is agentic

Agentic AI has the potential to revolutionize the sector, transforming how financial services are delivered and experienced.

TQA can provide expert guidance and support to help organizations navigate the challenges and opportunities of agentic AI adoption. It’s time to unlock the full potential of AI and shape the future of financial services.  Schedule a free consultation with our experts today. 

  1. https://info.quantios.com/hubfs/Future%20Focus%20Report%202025/Quantios_Future_Focus_Report_2025.pdf ↩︎