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We asked BFSI tech leaders: What does the future of Agentic AI in finance look like? Their answers point to a world of autonomous fraud detection, real-time compliance, always-on cybersecurity, and self-operating ecosystems. Curious how far AI can really go in BFSI? Here’s what they had to share.

Hemant verma, Zonal Head Punjab Bank    
Agentic AI will revolutionise Banking industry. Bank’s can leverage this technology in monitoring transactions and taking decisions in realtime, Risk management, compliance functions where breaches can be monitored and much more. Banks has to first see the areas where Agentic AI can give better ROI ensuring data quality and accessibility.

Makesh Chandramohan, Aditya Birla Capital, Group CISO    
BFSI organizations are leveraging agentic AI to achieve faster and more informed decisions in areas such as customer onboarding, loan approvals, risk assessment, and portfolio management. As the sector moves toward large-scale, multi-agent ecosystems, agentic AI is becoming central to shaping a more adaptive, innovative, and resilient Organization.

In short, agentic AI is redefining BFSI sector by moving to autonomous orchestration with built in intelligence and logical reasoning driving exponential gains in efficiency, compliance, and strategic agility"

Mahesh Khisti, CISO & VP IT, United Overseas Bank
In today's era , banking no longer remains as  traditional banking but more technology driven banking. As banking paradigm changed from traditional to technology banking, the agentic AI  in the BFSI (Banking, Financial Services, and Insurance) industry is shaping up to be transformative. Unlike traditional AI models ,  agentic AI systems are autonomous, context-aware, andaa capable of taking decisions and actions within defined boundaries. I strongly believe that agentic AI will be widely used in personalized banking like financial advisory ,tax planning etc. In future,many back office related tasks like claim settlement, dispute settlement,loan origination,KYC , loan disbursement and approval will be taken care by agentic AI in more sophisticated way.

From cyber security point of view,it will be widely used for threat hunting, Agentic based MFA.

Use of agentic AI also has its own compliance challanges. I strongly believe that , we don't want AI to make decisions where humans can't make decisions and for this we need to have strong guardrails to protect the  organisation.

How much autonomy to give AI agents? Regulators will demand explainability and audit trails. Customers must feel that agentic AI is working for them and not against them with biased approach. These are few challenges which IT professional need to think about before adoption of agentic AI.

Ratan Jyoti , Ujjivan Small Finance Bank, CISO    
Agentic AI will play a critical role in cybersecurity by autonomously detecting, investigating, and mitigating threats in real time. In the BFSI sector, where response time is everything, these systems can act as always-on defenders—making decisions, adapting to new attack patterns, and reducing response latency without constant human input.

Siddesh Shenvi, DBS Bank, Vice President Information Security    
The future of Agentic AI in Banking, Financial Services, and Insurance (BFSI) will be defined by AI systems acting as autonomous financial agents — proactively managing customer needs, operational risks, and regulatory compliance without waiting for human instruction. These AI agents will transform BFSI from reactive service providers to proactive, self-operating ecosystems. Continuous, adaptive compliance and risk management:

• Dynamic credit, underwriting, and investment decisions
• AI-to-AI interactions for faster, smarter ecosystems

 In nutshell from reactive, manual processes to proactive, self-operating intelligent systems Delivering faster, safer, and smarter financial outcomes.  

Team IndiaIT360

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