Agentic AI in BFSI: The challenge is defining how much autonomy to give machines
For banks and non-banking financial companies (NBFCs), the next phase of AI adoption will not be determined by how many processes can be automated, but by how much decision-making authority institutions are willing to delegate to machines. In a sector where errors can affect customer data, credit outcomes and financial exposure, the distinction between automating tasks and automating decisions is becoming critical.
Krupesh Bhat, Founder and CEO of Melento, believes financial institutions will approach agentic AI incrementally. Rather than attempting to automate entire lending or onboarding journeys at once, organisations are likely to begin with bounded operational tasks, assess their reliability and expand their use as governance frameworks mature.
This reflects a broader reality for enterprise technology leaders: the path from AI experimentation to production requires more than model performance. It demands clarity on accountability, oversight and the consequences of an incorrect action.
Beyond conventional workflow automation
Traditional automation follows...
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