Regulatory Compliance
Agentic AI is optimizing regulatory compliance by autonomously updating systems with evolving regulations. Instead of relying on manual updates, agentic AI continuously monitors regulatory databases, identifies relevant changes, and modifies internal systems like anti-money laundering (AML) and know-your-customer (KYC) protocols, ensuring adherence without human intervention.
HSBC: is considering AI-based tools, including agentic systems, to monitor transactions, flag potential money laundering activities, and ensure compliance with regulatory standards.

Wealth Management
In wealth management, Agentic AI enhances client interactions by predicting needs and taking proactive actions. An AI-powered advisor can autonomously rebalance portfolios or make strategic adjustments in real-time based on market trends and personal goals, communicating these decisions in a personalized, proactive manner.
Citigroup: The technology team at Citi is actively exploring AI technologies (through partnerships), including AI-automation partnerships, to modernize its wealth management unit to automate and optimize decision-making capabilities.

Credit Risk
Agentic AI is revolutionizing mortgage default credit risk assessment by providing dynamic, real-time evaluations. It continuously monitors factors like market trends, customer transactions, and macroeconomic conditions, adjusting credit limits or interest rates accordingly to ensure decisions are always based on the most current data.
JPMorgan Chase: Is exploring agentic AI models to evaluate how they enhance mortgage default credit risk management by automating credit scoring, assessing loan applicants, and predicting default risks based on a variety of data sources, and borrower / loan attributes. They are actively looking at these attributes to better assess both consumer and corporate credit risk.

These advancements are quietly reshaping the way financial companies operate, from compliance to risk management. As agentic AI moves to the forefront, the question is: how will your company embrace this future?
At Cortico-X, we help financial institutions navigate the rapidly evolving AI landscape by turning insights into action. Whether it’s Agentic AI, Conversational IVR, or the next frontier of banking innovation, we work with organizations to design AI-driven experiences that enhance customer engagement, reduce operational friction, and drive measurable impact.
If you’re looking to explore how AI can redefine your customer experience strategy, let’s talk. And please consider following Cortico-X on LinkedIn for more insights on the future of banking and AI.

Rishi Thukral
As a Principal and Digital lead at Acquis Cortico-X, Rishi is an accomplished AI and Digital Innovation Leader with deep background and expertise in technology.