Year: 2025 | Month: December | Volume 12 | Issue 2

Potentiality of Agentic AI in Banking Services: An Overview

Ananta Kumar Gupta Abhijit Bandyopadhyay Gangotri Ganguly Soumyadip Saha Chaudhuri Deep Debnath Biswajit Satpathy and S.K. Sharma
DOI:10.30954/2348-7437.2.2025.12

Abstract:

Today there are emerging shifting of banking technologies can be observed from tools that assist us to systems that can actually think and act for themselves. This is the core of “Agentic AI.” It’s a world beyond
today’s fraud alerts and chatbots. These AI agents can recognize complex circumstance, make a decision, and
then individually execute a multi-step plan to see it through. The dormant here is incredible. Imagine a wealth
manager that doesn’t just stabilize your portfolio but acts as a full-time, personalized CFO, foresighted managing your taxes and savings goals based on life events. Or picture a loan process that is not just fast,
but immediate, with an AI individually underwriting your application by analyzing alternative data in real time. This is not just automation it is the creation of a truly intelligent financial partner. The handing over this level of independence is a huge jump. The biggest obstacle won’t be technical, but about faith and precept. How do we ensure these black box systems make decisions that are candid and interpretable, who is responsible when an AI makes a costly error? Banks and supervise will need to traverse this carefully. Agentic AI is commitment to metamorphose banks from mechanical service providers into pre-emptive, sharp architects of our financial lives. This Paper is dedicated on Agentic AI including its features, impact and role with reference to the emerging role in banking and financial sectors. Paper also highlighted the challenges and issues of Agentic AI in banking and financial sectors, effectively.



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