U.S. financial institutions are rapidly adopting agentic artificial intelligence (AI) to improve efficiency and strengthen compliance, marking a significant shift in how banks balance automation, risk management, and human oversight.
According to a Forbes analysis by Gregg Mojica, co-founder and CEO of Alloy Automation, agentic AI is emerging as a powerful complement—not a replacement—for traditional business process outsourcing (BPO).
Mojica explains that agentic AI systems act as orchestrators across teams, tools, and workflows, reducing human error, cutting costs, and closing oversight gaps common in large-scale financial operations.
AI agents strengthen compliance and operations
Agentic AI can reason through incomplete information, repair workflow errors, and escalate issues to human reviewers when necessary. Mojica emphasizes that these systems enhance, not replace, human judgment, especially in compliance-intensive operations.
According to Market.us, the global agentic AI market is expected to grow from $5.2 billion in 2024 to $196.6 billion by 2034. This growth demonstrates the rapid evolution of technology from pilot projects to enterprise-scale adoption.
Financial institutions are deploying AI agents for:
- Secure identity verification
- Transaction and record retrieval
- Policy and regulatory checks
- Exception investigation and escalation
Each action is logged and auditable, ensuring regulatory transparency and accountability. Data from the Boston Consulting Group, cited in Forbes, shows that AI-driven workflows can reduce handling times by 15% to 18%, increase customer satisfaction, and boost productivity.
The broader corporate landscape reflects this transition. Verizon recently announced 13,000 job cuts, alongside a $20 million Reskilling and Career Transition Fund, to help employees prepare for AI-era roles. This highlights how major U.S. firms are restructuring for the AI economy.
Governance, workforce readiness, and AI integration
Successful adoption requires transparent governance, defined decision rights, and strong human-in-the-loop safeguards. An EY survey found that 84% of employees are eager to work with agentic AI, but they feel overwhelmed by the rapid pace of change and the limited guidance available to them.
To manage this transition, financial firms are:
- Upskilling employees into supervisory and audit roles
- Defining hybrid human-agent models
- Piloting AI in high-volume, low-risk processes such as invoice validation or loan intake
- Using modular architectures and open APIs to integrate AI without rebuilding legacy systems.
These foundations enable firms to scale their AI capabilities while maintaining compliance and control.
A hybrid future for finance and BPO
While agentic AI offers significant efficiency gains, Mojica stresses that it does not replace BPO. Instead, it reshapes outsourcing, allowing firms to keep sensitive tasks in-house while using AI to oversee or streamline external workflows—a hybrid model that enhances flexibility and precision.
As AI pilots scale, financial institutions are building a hybrid future where human oversight and intelligent systems collaborate to enhance compliance, reduce costs, and foster trust.
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Macayan, D. (2025, November 26). U.S. financial firms adopt agentic AI to cut costs, boost compliance. Outsource Accelerator. Retrieved from https://news.outsourceaccelerator.com/u-s-financial-firms-agentic-ai/
