1. What makes AI “agentic”? How is the technology different from something like Chat-GPT? <\/h5>\n\n\n\n \u201cAgentic refers to the type of Artificial Intelligence that can act as agents and on its own. Agentic AI leverages enhanced reasoning capabilities to solve problems without prompts or constant human supervision. It can carry out complex, multi-step tasks autonomously.<\/p>\n\n\n\n
\u201cGenAI and by extension Large Language Models, the most famous example being ChatGPT, require human input to solve tasks. For instance, ChatGPT needs user prompts before it can generate content. Then, sers need to input subsequent commands to edit and refine this. Agentic AI has the capability to react and learn without human intervention as it processes data and solves problems. This enables it to adapt and learn much faster than GenAI.\u201d<\/p>\n\n\n\n
2. Chat-GPT and other LLMs frequently produce results filled with factual errors, misrepresentations, and “hallucinations”, making them pretty unsuited to working without human supervision – let alone orchestrating important financial deals. What makes Agentic AI any better or more trustworthy? <\/h5>\n\n\n\n \u201cAll types of AI have the possibility to \u2018hallucinate\u2019 and produce factually incorrect information. That being said, Agentic AI is usually less likely to suffer from significant hallucinations in comparison to GenAI. <\/p>\n\n\n\n
\u201cAgentic AI\u2019s focus is specifically engineered to operate within clearly defined parameters and follow explicit workflows, making it particularly well-suited for having guardrails in place to keep it on task and from making errors. Its learning capabilities also allow it to recognise and adapt to its mistakes, ensuring it is unlikely to hallucinate multiple times.\u201d<\/p>\n\n\n\n
\u201cOn the other hand, GenAI occasionally generates factually incorrect content due to the quality of data provided, and sometimes because of mistakes in pattern recognition.\u201d<\/p>\n\n\n\n
\u201cIn fintech, Agentic AI technology can make it possible to analyse consumer spending data and learn from it, allowing for highly tailored financial offers and services that are more accurate and help to create a personalised finance experience for consumers.\u201d <\/p>\n\n\n\n
3. How could agentic AI deployments affect the relationship between financial services companies and their customers? What about their employees? <\/h5>\n\n\n\n \u201cThe integration of Agentic AI into financial services benefits multiple parties. First, <\/p>\n\n\n\n
integrating Agentic AI into their offerings allows financial service companies to provide their customers with bespoke tools and features. For instance, AI can be used to develop \u2018predictive cards\u2019. These cards can anticipate a consumer\u2019s spending requirements based on their past behaviour. This means AI can adjust credit limits and offer tailored rewards automatically, creating a personalised experience for each individual.<\/p>\n\n\n\n
\u201cThe status quo\u2019s days are numbered as consumers crave tailor-made financial experiences. Agentic AI can allow fintechs to provide personalised financial services that help consumers and businesses make their money work better for them. With Agentic AI technology, fintechs can analyse consumer spending data and learn from it. This allows for more tailored financial offers and services.\u00a0\u00a0\u00a0<\/p>\n\n\n\n
\u201cAs for employees, Agentic AI gives them the ability to focus on more creative and interesting tasks. Agentic AI can handle more routine roles such as data entry and monitoring for fraud, automating repetitive tasks and autonomous decision making based on data. This helps to reduce human error and enables employees to focus more time and energy on the creative and strategic aspects of their roles while allowing AI to focus on more administrative tasks.\u201d<\/p>\n\n\n\n
4. How would agentic AI make financial services safer? <\/h5>\n\n\n\n \u201cAgentic AI has the capability to make financial services more secure for financial institutions and consumers alike, by bringing consistency and tireless vigilance to critical financial processes. With its ability to analyse vast strings of information, it can rapidly identify anomalies in spending data that indicate potential instances of fraud and can use its enhanced reasoning and ability to act without human prompts to quickly react to suspicious activity. <\/p>\n\n\n\n
\u201cWhile a human operator will be susceptible to decision fatigue, an AI agent could always be vigilant and maintain the same high level of precision and alertness 24\/7. This is vital for fields like fraud detection, where a single missed signal could lead to significant consequences.<\/p>\n\n\n\n
\u201cFurthermore, its capability to learn without human interaction means that it can improve its ability to detect fraud over time. This gives it the ability to learn how to identify new types of fraud, helping it to adapt as schemes become more sophisticated over time.\u201d <\/p>\n\n\n\n
5. What kind of trajectory do you see the technology having over the next year to eighteen months?<\/h5>\n\n\n\n \u201cIn fintech, Agentic AI integration will likely begin in the operations space. These areas manage complex, but well-defined, processes and are perfect for intelligent automation. For instance, customer call centres where human agents usually follow set standard operating procedures (SOPs) that can be fed into an AI system, which makes automation easier and faster than before.<\/p>\n\n\n\n
\u201cIn the more distant future, I believe we will see Agentic AI integrated into automated workflows that span entire value chains<\/a>, including tasks such as risk assessment, customer onboarding and account management.\u201d\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Fouzi Husaini, Chief Technology & AI Officer at Marqeta, answers our questions about Agentic AI and its applications for businesses. <\/p>\n","protected":false},"author":480,"featured_media":22631,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"apple_news_api_created_at":"2025-02-27T13:31:50Z","apple_news_api_id":"a12d3230-290b-42a8-a021-47cd082db5f0","apple_news_api_modified_at":"2025-02-27T13:51:20Z","apple_news_api_revision":"AAAAAAAAAAAAAAAAAAAAAw==","apple_news_api_share_url":"https:\/\/apple.news\/AoS0yMCkLQqigIUfNCC218A","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3],"tags":[],"topic":[614],"class_list":["post-22630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-interface","topic-data-ai"],"acf":[],"apple_news_notices":[],"yoast_head":"\n
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