{"id":704066,"date":"2025-11-26T11:32:00","date_gmt":"2025-11-26T11:32:00","guid":{"rendered":"https:\/\/www.capgemini.com\/gb-en\/?post_type=research-and-insight&#038;p=704066"},"modified":"2026-01-22T07:41:58","modified_gmt":"2026-01-22T07:41:58","slug":"reimagining-financial-services-with-agentic-ai","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/reimagining-financial-services-with-agentic-ai\/","title":{"rendered":"Reimagining financial services with agentic AI"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV1-Capcom-Banner_2880x1800.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:43% 53%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Agentic AI<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Reimagining financial services with agentic AI<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/11\/WCR-POV-Reimagining-financial-services-with-agentic-AI.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download the PoV<\/span><span class=\"type\">4 MB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-how-fs-firms-can-transform-use-cases-and-accelerate-impact-with-ai\">How FS firms can transform use cases and accelerate impact with AI<\/h2>\n\n\n\n<p><strong>In brief<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Agentic AI goes beyond generative chat:<\/strong> It employs agents that plan, act, and adapt across banking and insurance throughout the cloud modernisation lifecycle<\/li>\n\n\n\n<li><strong>Most financial services (FS) firms stall at pilots:<\/strong> Why? Because they\u2019re worried about the ramifications of agent behaviors, they haven\u2019t experienced it themselves and need someone who has guided others to implement at scale. Agentic AI reimagines business flows by enabling systems to make autonomous decisions, adapt in real time, and optimise outcomes across complex processes. A proven approach and platform accelerate time to value by aligning AI capabilities with clear business goals, reducing friction from experimentation to deployment.<\/li>\n\n\n\n<li><strong>Governance is non-negotiable: <\/strong>explainability, human-in-the-loop, logging, and security must all be built in from day one to satisfy regulators and auditors. Every agent interaction should be made visible to avoid black box behavior.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-agentic-ai-and-why-now\">Why agentic AI? And why now?<\/h3>\n\n\n\n<p>Financial services organisations are under pressure. Costs are up \u2013&nbsp;so is inflation. Regulators are watching. Customers expect speed and personalisation. Agentic solutions can think, take decisions, and pick the right path to execute, which brings sophisticated automation to human intensive legacy processes.<\/p>\n\n\n\n<p>Generative AI (GenAI) helps with assistive work \u2013 like answering questions and drafting copy \u2013 but it\u2019s limited. Agentic AI is the new frontier, offering agents that can plan, act, and adapt in real time. Take claims triage, fraud checks, and loan onboarding as few examples. The payoff is cycle-time reduction, higher straight-through processing, and consistent decision-making in a cost-effective manner. While generative AI enhances individual tasks, agentic AI drives end-to-end value by integrating reasoning, memory, and control into enterprise-scale processes. Most financial services organisations recognise this need. The question is: how? Learn and build everything in-house, or accelerate with a baseline platform and proven partner? Scaling is hard. And the reality on the ground is clear: when it comes to AI adoption, only 26% of companies have the capabilities to move beyond proof of concept and create value at scale.<sup><a href=\"https:\/\/www.bcg.com\/press\/24october2024-ai-adoption-in-2024-74-of-companies-struggle-to-achieve-and-scale-value?\" target=\"_blank\" rel=\"noreferrer noopener\">1<\/a><\/sup> The rest stall in pilots. Meanwhile, AI is broadly used. As many as 78% of organisations report using AI in at least one function.<sup><a href=\"https:\/\/www.mckinsey.com\/capabilities\/quantumblack\/our-insights\/the-state-of-ai\" target=\"_blank\" rel=\"noreferrer noopener\">2<\/a><\/sup> And yet, end-to-end redesign still lags.<\/p>\n\n\n\n<p>Why so many stalls? Several reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Classic project risk plays a role. Only 12% of business transformation projects are successful.<sup><a href=\"https:\/\/www.bain.com\/insights\/the-three-common-transformation-talent-mistakes-and-how-to-avoid-them\/\" target=\"_blank\" rel=\"noreferrer noopener\">3<\/a><\/sup><\/li>\n\n\n\n<li>Newer analyses of large IT programmes show that only 31% meet their \u201csuccess\u201d criteria.<sup><a href=\"https:\/\/opencommons.org\/CHAOS_Report_on_IT_Project_Outcomes\" target=\"_blank\" rel=\"noreferrer noopener\">4<\/a><\/sup> Big programmes fail far more often and suffer overruns.<\/li>\n\n\n\n<li>Agentic AI is a complex, multi-dependency programme: governance, data, models, controls, and organisational change all at once.<\/li>\n<\/ul>\n\n\n\n<p>Building bespoke \u201cinside the perimeter\u201d programs can work, but many teams underestimate the lift to industrialise beyond pilots. A pragmatic approach starts with proven partners for bringing agents, runs inside the firm\u2019s environment, and layers in domain-specific controls from day one.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-where-the-financial-services-industry-is-seeing-benefits\">Where the financial services industry is seeing benefits<\/h3>\n\n\n\n<p><strong>In Insurance:<\/strong><\/p>\n\n\n\n<p class=\"is-style-default\">Agentic AI is rapidly transforming the insurance value chain \u2013 bringing speed, intelligence, and efficiency to every touchpoint. In claims, it enables faster resolution through autonomous decisioning and real-time data synthesis. In underwriting, agentic systems dynamically assess risk with greater precision, reducing manual effort and improving accuracy. Distribution is becoming more personalised and proactive, as agentic AI hyper-personalises offerings to customer needs and behaviors. And in servicing, intelligent agents are enhancing responsiveness and accuracy, driving better customer experiences, while reducing operational costs. Together, these advancements are helping insurers unlock differentiated value, accelerate time to market, and build more resilient, adaptive businesses.<\/p>\n\n\n\n<p><strong>In Banking:<\/strong><\/p>\n\n\n\n<p>Banks are moving towards agentic AI platforms to drive intelligent automation, personalisation, and operational agility. In retail banking, agents are enabling hyper-personalised customer engagement and real-time financial guidance, improving satisfaction and loyalty. Wealth management teams are leveraging agentic AI to deliver tailored portfolio strategies and proactive insights, enhancing advisor productivity and client outcomes. In investment management, agentic systems accelerate research, optimise risk models, and streamline compliance, allowing firms to respond faster to market shifts. Meanwhile, in cards and payments, agentic AI enhances fraud detection, automates dispute resolution, and enables dynamic credit decisioning \u2013 delivering safer, faster, and more adaptive services. Together, these innovations are enabling banks to reduce operational costs and streamline speed to market across the enterprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-agentic-ai-driving-acceleration-and-efficiency-in-the-cloud-modernisation-lifecycle\">Agentic AI: driving acceleration and efficiency in the cloud modernisation lifecycle<\/h3>\n\n\n\n<p><strong>In legacy modernisation:<\/strong><\/p>\n\n\n\n<p>Agentic AI is becoming a catalyst for legacy modernisation by bridging the gap between outdated systems and future-ready architectures. By deploying intelligent agents that autonomously assess, transform, and validate legacy and mainframe systems, organisations can reduce dependency on scarce SMEs while improving accuracy and functional consistency. These agents bring contextual awareness and dynamic orchestration to legacy environments \u2013 streamlining data flows, optimising processes, and enhancing interoperability across silos. This approach doesn\u2019t just reduce technical debt: it also unlocks faster innovation cycles, allowing banks and insurers to modernise incrementally while delivering safer, smarter, and more adaptive services to clients.<\/p>\n\n\n\n<p><strong>In application modernisation:<\/strong><\/p>\n\n\n\n<p>Application modernisation is being radically accelerated by the integration of agentic AI, which brings intelligence and velocity to every phase of the software development lifecycle (SDLC). These capabilities extend across the SDLC, from requirements analysis and code generation to testing, integration, and deployment. Agentic AI accelerates development cycles by dynamically identifying optimisation opportunities, orchestrating workflows, and ensuring continuous validation across environments. One Capgemini customer, a US bank, reported a 20\u201330% increase in developer throughput with an agentic approach, as developers spent less time on code comprehension, validation, and documentation, and more time on value-added tasks \u2013 enabling more features to be delivered per sprint. This not only streamline modernisation efforts, but also empowers firms to build adaptive, resilient applications more quickly \u2013 unlocking differentiated value and reducing time to market.<\/p>\n\n\n\n<p><strong>In cloud management:<\/strong><\/p>\n\n\n\n<p>Intelligent agents are taking the reins \u2013 autonomously monitoring workloads, assisting production support teams, predicting resource needs and failure, and orchestrating cloud environments across hybrid and multi-cloud landscapes with precision and speed. These systems don\u2019t just react \u2013 they anticipate and fix, continuously optimising for performance, cost, and compliance in real time. The result? Financial institutions are scaling faster, slashing operational overheads, and unlocking high-performing, secure cloud ecosystems that fuel innovation. With agentic AI, cloud management becomes not just smarter \u2013 but radically more agile, resilient, and future-ready.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-governance-you-can-take-to-audit\">Governance you can take to audit<\/h3>\n\n\n\n<p>For financial institutions, it\u2019s not just about driving efficiencies: regulators are signaling tighter oversight too. The EU AI Act is staged: prohibitions and literacy obligations apply from February 2, 2025. Governance rules and GPAI obligations in August 2025. Full application by August 2, 2026, with extended timelines for certain high-risk systems into 2027.<sup><a href=\"https:\/\/digital-strategy.ec.europa.eu\/en\/policies\/regulatory-framework-ai\" target=\"_blank\" rel=\"noreferrer noopener\">5<\/a><\/sup> FS firms with EU exposure must plan now. <\/p>\n\n\n\n<p>In the US, agencies continue to emphasise existing risk-management frameworks and third-party governance. That means firms can expect scrutiny on vendor controls, explainability, and model risk. The US Department of the Treasury has urged more coordination across regulators, with the Office of the Comptroller of the Currency (OCC), Federal Reserve (FED), and Federal Deposit Insurance Corporation (FDIC) continuing to reinforce third-party risk expectations.<sup><a href=\"https:\/\/home.treasury.gov\/system\/files\/136\/Artificial-Intelligence-in-Financial-Services.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">6<\/a><\/sup> For FS firms, explainability isn\u2019t optional. Banking and insurance decisions must stand up to model risk governance, audit, and customer review.<\/p>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Governance must-haves<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\"> <\/p><\/div><div class=\"expander-content\"><p><br><span style=\"font-size: 1rem; letter-spacing: 0.4px;\"><\/span><\/p><ul class=\"box-list\"><li>Approved LLMs: tools that deliver unbiased outcomes.<\/li><li>Expert oversight: human-in-the-loop at defined decision gates.<\/li><li>Agent logging and observability: full event trails, prompts, model versions, and data lineage.<\/li><li>Control structures: role-based permissions, policy constraints, and kill switches.<\/li><li>Bias, drift, and error checks: pre-deployment tests and ongoing monitoring.<\/li><li>Compliance-by-design: regulatory checkpoints embedded in workflows.<\/li><li>Security inside your perimeter: agents are run within the firm\u2019s infrastructure, no data leaves the enterprise, and only pre-approved models are used.<\/li><li>Third-party risk controls: contractual SLAs on audit access, incident response, data use, and model updates.<\/li><li>Well-defined strategy to adopt tools, platforms, and agents<\/li><\/ul><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-to-look-for-in-an-agentic-partner-or-platform\">What to look for in an agentic partner or platform<\/h3>\n\n\n\n<p>Many firms opt to build their own platforms, which can offer greater security and control. That\u2019s valid \u2013 but beware of the scaling tax. The most successful programmes combine inside-the-perimeter deployment with pre-built, domain-specific agents, and a playbook that\u2019s been battle-tested across banks and insurers.<\/p>\n\n\n\n<p>Use this checklist:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Human-centric by design:<\/strong> Agents augment people. Clear handoffs. Friendly UX. No anthropomorphism. \n<ul class=\"wp-block-list\">\n<li><em><strong>Ask:<\/strong><\/em> Where are the human approval points? How are users trained?<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Responsible by default:<\/strong> Controls, explainability, bias tests, and privacy are built-in, not bolted-on. \n<ul class=\"wp-block-list\">\n<li><strong><em>Ask:<\/em> <\/strong>Show me the audit log and the kill switch.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Clarity and simplicity:<\/strong> Short time-to-first-value. Minimal jargon. Clean dashboards. \n<ul class=\"wp-block-list\">\n<li><em><strong>Ask:<\/strong><\/em> How quickly can we get to a production-grade PoC in one use case?<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Proven outcomes, not promises:<\/strong> Case studies with quantified impact, across metrics like TAT, Straight Through Processing (STP), fraud precision and recall, and CSAT scores. \n<ul class=\"wp-block-list\">\n<li><strong><em>Ask:<\/em> <\/strong>What baselines did you start from, and what moved?<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Adaptable architecture:<\/strong> Cloud- and model-agnostic. Works inside your environment. Modular agents that plug into admin systems, CRM, and claims cores. \n<ul class=\"wp-block-list\">\n<li><strong><em>Ask:<\/em> <\/strong>Does this model and platform align with our overall cloud\/AI strategy?<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Tone and trust:<\/strong> Calm confidence beats hype. Clear risk disclosures. Pragmatic roadmaps. \n<ul class=\"wp-block-list\">\n<li><strong><em>Ask:<\/em> <\/strong>How do you measure and report risk, cost, and value? How often?<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Flexibility:<\/strong> Agentic ecosystem is maturing at a lightning speed with advancements taking place every day than every week. \n<ul class=\"wp-block-list\">\n<li><strong><em>Ask<\/em>:<\/strong> Am I tied to one approach\/solution?<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Practical FAQs leaders will ask<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Will our data leave our perimeter?<\/h3><\/div><div class=\"expander-content\"><p>It doesn\u2019t have to. Many programmes deploy agents inside the firm\u2019s environment and restrict models to those already approved by risk and security.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Can we swap models later?<\/h3><\/div><div class=\"expander-content\"><p>Prioritise cloud- and model-agnostic orchestration. You should be able to swap or fine-tune without rewriting the whole stack.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">What about explainability?<\/h3><\/div><div class=\"expander-content\"><p>Require decision logs that tie inputs, prompts, model versions, and outcomes together. Make explanations readable for customers, not just auditors.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">How do we avoid bias and drift?<\/h3><\/div><div class=\"expander-content\"><p>Run pre-deployment tests, then monitor post-deployment with drift and error checks. Escalate to a human when confidence drops below a threshold or when decisions impact vulnerable customers.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">What is our testing approach?<\/h3><\/div><div class=\"expander-content\"><p>Design test cases while documenting the agentic requirements. Monitor using tools to baseline the performance and measure drift if any while it progresses across environments.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">How do we keep humans in control?<\/h3><\/div><div class=\"expander-content\"><p>Design explicit approval gates, have more involvement initially, and reduce reliance on approval gates as the system matures and learns. Use a visible kill switch with clear roles and permissions. Report exceptions weekly.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">What\u2019s a realistic ROI?<\/h3><\/div><div class=\"expander-content\"><p>Don\u2019t overpromise. Anchor on operational outcomes \u2013 like the TAT and STP, the number of reworks needed and FTE hours reallocated, the complaint rate, fraud metrics, and false positives. Start with one business process, prove it, then scale.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-in-conclusion-proof-beats-promise\">In conclusion: Proof beats promise<\/h3>\n\n\n\n<p>Agentic AI isn\u2019t magic \u2013 it\u2019s disciplined engineering and change management. The winners aren\u2019t the firms with the flashiest demos. They\u2019re the firms that have the domain-specific knowledge of workflows, deploy with strong guardrails, prove impact, and scale responsibly. In a market where technology is changing every day, that methodical approach is the difference between another pilot and measurable business success.<\/p>\n\n\n\n<p>Ready to transform your financial services enterprise? Let\u2019s start with a strategic agentic AI plan tailored to your business.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"section section--expert-slider wrapper-people-slider wp-block-cg-blocks-wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Meet the experts<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/07\/image.jpg\" alt=\"Kamlesh Pandey\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/kamlesh-pandey-61ab5b1\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Kamlesh Pandey<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>North America Head of Platform Engineering<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/kamlesh-pandey-61ab5b1\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">As Head of Platform Engineering, DevOps, and SRE at Capgemini Financial Services, Kamlesh brings a unique blend of deep technical expertise and strategic leadership. With a proven track record of managing complex, multi-year, multi-site programs, he excels in driving end-to-end project delivery\u2014from requirements gathering to production support. Kamlesh has led large-scale J2EE initiatives integrating COTS products and custom cloud solutions, consistently delivering value through precision planning, risk management, and operational excellence.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-odd \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\"><\/h2><\/div><div class=\"layout-single-card\">\n                      <div class=\"row align-items-center w-lg-100\">\n                        <div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/world-cloud-report\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=2048&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=500&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=1000&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg\" alt=\"World Cloud Report Banner image\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/world-cloud-report\/\" aria-label=\"World Cloud Report \u2013 Financial Services 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">World Cloud Report \u2013 Financial Services 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/overcoming-the-ethical-dilemma-a-practical-guide-to-implementing-ai-ethics-governance\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/10\/AI-Ethics-Web-banners-2880x1800-1.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/ai-agents\/\" aria-label=\"Rise of agentic AI\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">Rise of agentic AI<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/overcoming-the-ethical-dilemma-a-practical-guide-to-implementing-ai-ethics-governance\/\" aria-label=\"Overcoming the ethical dilemma: A practical guide to implementing AI ethics governance\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Point of view<\/div>\n                                <h3 class=\"card-title\">Overcoming the ethical dilemma: A practical guide to implementing AI ethics governance<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Agentic AI goes beyond generative chat: it employs agents that plan, act, and adapt across banking and insurance throughout the cloud modernization lifecycle<\/p>\n","protected":false},"author":12418,"featured_media":704067,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":50,"primary_term":"Agentic AI","featured_focal_points":""},"tags":[],"research-and-insight-type":[],"theme":[659,34,50],"brand":[],"service":[352,354],"industry":[363,625,70],"partners":[],"content-group":[],"class_list":["post-704066","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","theme-agentic-ai","theme-cloud","theme-data-and-ai","service-cloud","service-data-ai","industry-banking-capital-markets","industry-financial-services","industry-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reimagining financial services with agentic AI - Capgemini UK<\/title>\n<meta name=\"description\" content=\"Financial services organizations are under pressure. Costs are up \u2013 so is inflation. Regulators are watching. Customers expect speed and personalization.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/reimagining-financial-services-with-agentic-ai\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reimagining financial services with agentic AI\" \/>\n<meta property=\"og:description\" content=\"Financial services organizations are under pressure. Costs are up \u2013 so is inflation. Regulators are watching. 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