Agentic AI is rapidly reshaping the finance office, from real-time fraud detection and automated loan underwriting to hyper-personalised financial planning and dynamic compliance monitoring. By reducing risk, improving efficiency, and enhancing client service, it offers firms a powerful edge in a competitive market.
The world of finance and wealth management as we know it is beginning to perish. We sit at the genesis of a new age where agentic AI puts to rest the era of data-crunching artificial intelligence. Soon, agentic artificial intelligence-systems that can analyse data and act independently will become the norm. In 2024 it was reported that 58% of job functions in the world of finance leverage AI in some way. If we’ve learned anything from the rise of AI it’s that this number will continue to increase.
Agentic AI has the ability to work with minimal human oversight, problem solve and make informed decisions at a speed humans could never reach. In this age of constant market fluctuations, daily changes in trade and regulation it is essential to deploy agentics in every capacity possible to be the best steward of your clients’ and your firm’s money. There are five avenues you can leverage agentic AI that will make an immediate impact on your business and your clients’ experience with it.
Over $12.5 billion. That is how much money was lost to fraud in 2024 according to the FTC. Bad actors operate with technology designed to steal and subvert all laws, leaving institutions open to theft daily. Technology must be fought with technology. By making decisions automatically, agentic AI systems analyze data using transaction volumes on a real-time basis. It can then detect abnormal trends signaling the possibility of fraud and automatically raise alerts, block off suspicious activity and generate investigations to limit losses.
Agentics should also be deployed to monitor for credit card fraud, money laundering, and any other financial crimes. Your human workforce is not capable of keeping up monitoring and thwarting all of these attacks from these disparate areas all at once.
Traditional loan approval processes can be slow and rely heavily on manual reviews. Agentic AI can streamline this by evaluating a wider range of financial data points, such as real-time income stability, spending habits, and payment history. These systems can dynamically adjust risk assessments based on evolving data, leading to faster and potentially more inclusive loan approvals while improving risk management and potentially reducing defaults.
At the end of Q2, 2025 4.4% of outstanding household debt was in some stage of delinquency. If agentic can be deployed to decrease this number billions will be saved, not to mention the lives that will be better for not being granted a loan they cannot afford.
Agentic AI can drive hyper-personalized financial guidance and investment strategies. By continuously analyzing a user’s financial goals, risk tolerance, market trends, and even behavioral signals such as spending habits, AI agents can suggest portfolio rebalancing, identify tax optimization opportunities, and provide tailored financial education in real time.
People no longer need to schedule in-person meetings and will have anytime access to well informed financial advice. Considering only 51% of Americans feel that financial advice and knowledge are readily available and this could be a momentous change for wealth building in the 21st century.
What agentic can offer is endless 24/7 customer service without respite. Every email, every chat, and every phone call will be answered instantaneously by an agentic expert. Via its ability to learn continuously it will be equipped with data sets that can inform as to what a client could and may need and want. It can suggest other products or services the client could benefit from which will increase ROI and decrease churn for the firm.
Agentic also eliminates repetitive tasks and data entry to free advisors for true creative thinking and problem solving for the firm and its clients.
Financial institutions paid over $4.5 billion in regulatory fines globally in 2024. Agentic AI is the tool to deploy to help these institutions navigate the increasingly complex regulatory landscape by autonomously monitoring transactions, comparing them against regulatory frameworks, and generating reports. These systems can adapt to evolving regulations and flag suspicious patterns or potential breaches in real-time, improving transparency and reducing the risk of non-compliance and associated fines.
Agentic AI is not a miracle technology that can solve every challenge of the financial sector, or render people useless. What it is is a tool that, when deployed and leveraged properly, will revolutionize the industry. Endlessly scalable 24/7 customer support, instantaneous fraud detection, constant regulatory oversight, increased accuracy in loan assessment, and personalized financial planning available to everyone are advantages that must be given to your firm and its clients. Getting all of these areas supercharged by agentics will place a firm in the lead and keep it there for the foreseeable future. Increased revenue, increased client retention and satisfaction, and a workforce of advisors free to finally reach their true potential of creativity and problem solving are just the beginning. You would be wise to get started now.
Chetan Dube is an AI Pioneer and the founder and CEO of Quant, which develops cutting-edge digital employee technology.