Agentic AI is already taking center stage this year: 71% of executives say AI agents will drive higher levels of automation in their workflows and 52% percent say they plan to use agents in 2025.

Built on generative AI and large language models, agentic AI is able to make decisions, unlike previous AI technology, which was driven by rules and procedures, according to tech provider UiPath’s “AI and Automation Trends 2025” report. The report sources data from research firms Gartner, Forrester, International Data and more.

This newer AI technology can take actions to achieve given goals, Ed Challis, head of AI strategy at UiPath, said during the tech provider’s Jan. 15 webinar “2025 AI and Automation Trends.”

Agentic AI use cases for banking and financial services, according to the UiPath report, include:

• Collection, analysis and financial data reporting for investment advisers; and
• Document review, decisioning, auto-generating and processing of loans.

More broadly, other business use cases include sales and marketing, customer service, business operations, patient care, software development and scientific research.

Financial services applications

Agentic AI is expected to have greater impact on the financial services sector than on health care, retail, telecom, travel and manufacturing, according to a January report by consulting firm Everest Group.

In fact, $2.4 trillion Citigroup shared in a Jan. 17 report potential agentic AI uses.

Similarly, $2 trillion Goldman Sachs is looking to incorporate agentic AI into its generative AI technologies in the future, a person familiar with the matter told Bank Automation News.

Specifically, the tech could be a key modernization tool for banks, Vershita Srivastava, practice director at Everest Group, told BAN. Possible banking applications include:

• Analyzing market trends to deliver financial data to clients;
• Portfolio management for investment and trading;
• Streamlining claims processing and financial planning;
• Enhanced risk management by autonomously identifying potential market disruptions and regulatory changes; and
• Fraud detection systems that learn and adapt by the second.

Banks look outside financial services for inspiration

As agentic AI use cases surface in the financial services sector, U.S. Bank is exploring how the technology is being used in other industries, Chief Innovation Officer Don Relyea told BAN.

Earlier this month, Relyea and Todder Moning, head of applied foresights at the bank, attended Consumer Electronics Show 2025 where their attention was drawn to agentic AI, specifically Nvidia AI Blueprints.

Nvidia AI Blueprints, launched earlier this month, is workflow software that provides developers with the “blueprints” to build and deploy customer AI agents, allowing enterprises to automate work, according to Nvidia.

The blueprints can be customized for functions such as research, interviewing and data analysis, Moning said, noting they can be thought of “like recipes.”

While the bank did not disclose its own strategy for utilizing agentic AI, it did say that the new tech has potential in the banking industry.

Register here for Bank Automation Summit 2025, taking place March 3-4 in Nashville, Tenn. View the full event agenda here.