How agentic automation is shaping the future of financial services

How agentic automation is shaping the future of financial services

EY
EY India

Multidisciplinary professional services organization

5 minute read 05 Feb 2026
Related topics
Financial services
Technology
Automation

Explore the shift from robotic to agentic automation in finance, where AI-driven systems enhance operations, compliance and customer engagement.

In brief

  • Financial institutions are moving beyond robotic process automation and intelligent automation toward agentic automation that can reason, decide and act across end-to-end processes.
  • AI-driven automation, supported by data platforms and modern architectures, is transforming automation in banking across operations, risk management and customer engagement.
  • To unlock sustainable value, organizations should align technology, governance and talent around trust, explainability and regulatory resilience.

For over a decade, robotic process automation (RPA) has played a central role in process automation across banks, insurers and capital markets. These rule-based approaches delivered efficiency gains, but rising customer expectations and growing regulatory complexity are exposing their limitations.

The transition from RPA to agentic automation marks a move toward more adaptive systems. Agentic AI in banking and finance can understand context, set goals and adjust actions dynamically. This evolution signals a broader shift from cost-focused automation in banking toward intelligent process automation in financial services that supports higher-value outcomes.

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From efficiency engines to intelligent operators

Traditional automation strategy emphasized task fragmentation. Agentic automation focuses on outcomes. Through Agentic AI for end-to-end process automation, intelligent agents can gather data from multiple systems, interpret unstructured information and collaborate with humans in real time.

These capabilities enable autonomous agents in financial services operations to support self-healing workflows and more responsive service models. Intelligent agents for financial operations also enhance decision support in finance and risk teams, moving them from reactive reporting toward more informed, proactive management.

Agentic AI fundamentally redefines automation by shifting from task execution to intent-driven decision-making. With Automation Anywhere, intelligence does not stop at insight; it takes action. This is the true evolution: from automated workflows to autonomous, intelligent operations.

Kumar Abhishek

Partner, Technology Consulting, EY India

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Data, platforms and trust

Realizing the value of agentic automation requires stronger foundations. High-quality data, modern platforms and cloud-native automation are critical enablers of reliable AI-driven automation at scale. Institutions that invest in these capabilities are better positioned to extend enterprise automation beyond isolated use cases.
 

Trust remains equally important. Governance and trust in agentic automation should be embedded into system design, with transparency, auditability and appropriate human oversight. These controls are essential to align autonomous process automation with regulatory expectations and organizational values.

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Building an ecosystem for intelligent process automation

Progress in agentic automation depends on collaboration between financial institutions, technology providers, regulators and academia. Common standards for ethics, model risk management and interoperability will support the safer adoption of Agentic AI in banking and finance.
 

Talent evolution is also underway. As organizations move from robotic to agentic automation, skills are shifting from bot configuration toward orchestration, governance and stewardship of intelligent automation ecosystems.

Our agentic solutions are fundamentally different; they are designed for how AI agents work, enabling them to autonomously reason, solve problems and adapt to changes — delivering exponentially greater ROI.

Mihir Shukla

CEO and Chairman, Automation Anywhere

C-level executives’ priorities

Senior leaders increasingly view the journey from RPA to agentic automation as a strategic transformation. Three priorities stand out:

  • Governance by design: Embedding risk and compliance into agentic architectures from the outset.
  • Investment in intelligence: Prioritizing data platforms, AI capabilities and scalable enterprise automation.
  • Human-agent collaboration: Redesigning roles so that people provide judgment and oversight while agents handle complexity.
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Key questions about agentic automation in financial services

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Summary

The shift from robotic to agentic automation represents a new operating model for process automation in financial services. Institutions that adopt agentic automation can strengthen efficiency, resilience and customer relevance. By aligning automation strategy, technology, governance and talent, organizations can position autonomous process automation as a durable foundation for long-term performance.

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    About this article

    EY
    EY India
    Multidisciplinary professional services organization
    Related topics
    Financial services
    Technology
    Automation

    EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients.