The takeaways
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.
Explore the whitepaper here
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.
The challenge is not a lack of opportunities, but rather selecting and scaling those initiatives that deliver enterprise-wide impact. Prioritisation should focus on capabilities that strengthen core value chains, connect previously siloed activities and create reusable foundations for enterprise-wide transformation.
"What the global evidence makes unambiguously clear is that there is a fundamental difference between experimenting with AI at the edges of an organisation and embedding AI into the core of how decisions are made, how customers are served and how the enterprise operates end-to-end. Becoming a Frontier organisation — one that combines deep human expertise with intelligent orchestration at scale — means redesigning operating models around value chains rather than isolated tasks; building data and cloud foundations that are genuinely AI-ready; connecting strategy, governance, technology and talent into a single coherent architecture.
Nikos Chostelids,FS Industry Leader, PwC GreeceA 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.
- Prioritise value chain impact
- Raise AI fluency and confidence
- Establish your operating model and CoE
- Create a modern, scalable tech foundation
- Address data security, privacy and compliance
- Embed trust and responsible AI
- Connect with the right partners
Ready to accelerate your agentic AI transformation?
"PwC Greece is committed to being the partner that helps bridge that gap — not by importing global blueprints wholesale, but by translating frontier thinking into actionable, locally grounded roadmaps that reflect the realities and ambitions of our market.
Nikos Chostelids,FS Industry Leader, PwC GreeceTake the first step towards operationalising agentic AI. Download the PwC and Microsoft playbook.
Contact us
