Unlocking Tomorrow

Whitepaper

A playbook that explores the power of agentic AI for the Financial Services industry

Published by PwC Network | Language: English

Agentic AI is changing financial services by automating complex workflows, strengthening data governance and enabling secure, compliant AI adoption at scale. This playbook outlines the foundations needed to deploy it responsibly

Macroeconomic uncertainty, regulatory pressure, fraud exposure and shifting customer expectations are reshaping financial services, heightening the need for transparent, trusted AI adoption.
Agentic AI enables FS firms to automate decision heavy processes end to end, improving compliance, speed, accuracy and customer outcomes across the value chain.
Achieving this transformation requires a clear, actionable roadmap built on a responsible vision, AI fluency, modernised data platforms, value chain operating models and strong governance to scale agentic AI enterprise wide.

Financial services organisations are operating in a period of profound transformation. Macroeconomic uncertainty, rising compliance demands, increasing fraud risk, shifting customer expectations and a rapidly ageing workforce are all reshaping how banks, insurers and capital markets firms must operate. At the same time, regulatory frameworks are accelerating the need for transparent, secure and well-governed technology adoption.

Against this backdrop, many financial institutions are turning to agentic AI to strengthen resilience, accelerate key processes, transform the customer experience, and unlock new opportunities for growth.

What agentic AI enables
Agentic AI represents a step change from traditional analytics, automation and generative AI. Rather than completing isolated tasks, agents can reason, act and orchestrate multistep processes with minimal human intervention—accessing data, executing workflows and adapting to new conditions. When deployed responsibly, this enables financial institutions to improve efficiency and accuracy while maintaining essential human oversight for high-stake decisions.

Business value across financial services
By taking over complex workflows from start to finish, agentic AI reduces cycle times from days to minutes, minimises manual effort and errors, and enables specialists to focus on activities that require more judgement. It also embeds controls and audit trails directly into operations, helping institutions to stay compliant and preserve critical expertise as their workforces age.

The impact of agentic AI is already visible across the industry. In banking, the most immediate value is emerging in financial crime, regulatory compliance, customer engagement and lending. Agentic AI is also having a significant impact in the insurance industry, transforming underwriting, claims, customer service and workforce sustainability. Capital markets organisations are leveraging agentic AI for high value analytical and operational activities like analysis and scenario modeling. And in private equity and investment operations, agents accelerate due diligence, surface operational risks across portfolios and enhance client advisory with real-time, personalised insights.

A seven-step journey to agentic AI value
Explore key steps and considerations for your agentic AI transformation in our playbook created with experienced industry leaders who share their perspectives and extensive client experiences. Learn how to progress from early experimentation to a scalable agentic AI model that delivers measurable value across your organisation.

1. Prioritise value chain impact
2. Raise AI fluency and confidence
3. Establish your operating model and CoE
4. Create a modern, scalable tech foundation
5. Address data security, privacy and compliance
6. Embed trust and responsible AI
7. Connect with the right partners

Ready to accelerate your agentic AI transformation?

Take the first step toward operationalising agentic AI. Download the PwC and Microsoft playbook to unlock autonomous workflows, build trusted AI capabilities and accelerate value across your financial services organisation

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Your expert for questions

Andreas Hufenstuhl

Partner, Data & AI Use Cases

Tel.: +49 1516 4324486

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