By Mark Scrivens, FPT UK Chief Executive Officer, FPT Corporation
Agentic AI has driven powerful transformation across the finance industry, going beyond automation to give reasoning, decision-making, and adaptability to enterprise systems. But AI is continually offering new opportunities for enhancement. For the next stage in their Agentic AI journey, banking, financial services, and insurance organisations (BSFIs) are turning to Intelligence-in-Motion as a way to ensure Agentic AI delivers safer, smarter, and more human-aligned outcomes. Intelligence-in-Motion can amplify and support Agentic AI strategies to redefine competitive edge and elevate customer loyalty.
Far from replacing Agentic AI, Intelligence-in-Motion is a step beyond the isolated automation of GenAI to a connected intelligence economy where fintechs operate with agility, precision, and resilience. It ensures data flows, decisions, and actions are synchronised across people, processes, and technology, with examples from real-time loan processing and adaptive fraud detection to regulatory compliance automation.
As technology has advanced, the significance of customer loyalty has also surged in the financial services sector. Retention is key in online financial services, as some studies suggest that just a 5% increase in customer retention can boost profits by at least 25%. The pressure is on to offer a seamless digital journey.
How Intelligence-in-Motion enhances Agentic AI
Intelligence-in-Motion is best defined as the seamless orchestration of multiple AI, automation, and data intelligence solutions—each acting as an individual component, working collaboratively to learn, adapt, and continuously optimise.
It creates a dynamic ecosystem where Agentic AI agents, predictive analytics, GenAI models, and traditional tools collaborate to turn isolated AI capabilities into connected, outcome-driven intelligence. For BFSIs, this means loan approvals that adjust to risk in real time, compliance systems that self-audit, fraud detection that anticipates emerging threats before they materialise, and increased customer loyalty.
By enabling transparent orchestration between humans and AI systems, BFSIs can achieve a balance between automation and empathy, efficiency and ethics. Employees become “AI conductors”, guiding the system’s output toward responsible and customer-first outcomes.
The role of Intelligence-in-Motion in finance
Enhancing customer loyalty in the BFSI sector delivers substantial strategic and financial value. Loyal customers not only cost less to serve but also drive higher revenues and improve employee engagement. As loyalty grows, employees generate more revenue through cross-selling and longer relationships, leading to greater lifetime value and diversified income streams. Moreover, loyalty provides market stability and resilience during downturns, while emotionally engaged customers become advocates who help attract new clients at lower acquisition costs.
With customer acquisition expenses rising across financial services, retention becomes a powerful efficiency driver. In embracing technology and AI organisations can optimise operations and deliver highly personalised experiences that keep customers returning.
Real world use cases in the finance industry
In the finance industry, Intelligence-in-Motion is already being deployed alongside Agentic AI to enhance customer loyalty and create greater operational efficiencies. By acting as the connective tissue that links Agentic AI with existing enterprise ecosystems, it facilitates data orchestration across departments. This works to ensure the integrity and traceability of every AI-driven decision. This level of accountability enables operational efficiencies that can positively impact bottom-line revenue.
For instance, one effective use case is real-time loan processing. With intelligent orchestration, application turnaround can be cut from days to hours, while preserving human oversight at key decision points.
Also, in adaptive fraud detection the cross-agent collaboration enables systems to share intelligence,
detect anomalies faster and respond instantly. This can tackle one of the greatest challenges for fraud teams, that of reducing false positives and losses.
In another complex field of regulatory compliance, multi-agent systems automatically align policies with the latest standards which updates audit trails and documentation in real time.
To optimise customer experience, AI-driven assistants can now coordinate personalised product recommendations, financial planning insights, and support interactions, all within one intelligent framework.
Through integrating Agentic AI with Intelligence-in-Motion, BFSIs achieve fluid coordination between data, models, and human operators, taking an essential step toward AI maturity and regulatory trust.
Essential infrastructure elements for Intelligence-in-Motion
To sustain this orchestration layer, some key infrastructure elements must be built for Intelligence-in-Motion to ensure trust in AI. Some resilient digital foundations for BFSIs to invest in include:
- AI-optimised infrastructure, to consist of various tech provisions including GPUs, AI-specific silicon, and in-memory data processing to support large-scale Agentic AI operations. These must be in place to meet AI’s requirements.
- A unified data strategy, which means breaking down data silos and using frameworks such as Retrieval-Augmented Generation (RAG). This can transform unstructured data, such as videos and photo files in the insurance industry, into usable intelligence which is vital for enterprises whose data is growing exponentially.
- Secure and ethical AI governance which is essential for protecting an organisation’s data and people. Transparency, bias mitigation, explainability, and continuous monitoring each play critical roles in ensuring safe outcomes.
With these three key elements in place, Intelligence-in-Motion becomes a trust engine. This ensures that each AI action remains auditable, explainable, and aligned with organisational values.
Taking the next stage in the Agentic AI journey
There are numerous applications already in operation that demonstrate how Agentic AI is reshaping businesses to be smarter, faster, and more resilient. Intelligence in Motion works to boost Agentic AI’s capabilities, to drive customer engagement, and improve operational efficiencies for financial organisations. Together, they lead the shift from isolated automation to a connected intelligence economy, where financial institutions operate with agility, precision, and resilience.
For organisations in the financial services industry, Intelligence-in-Motion is a strategic decision to advance AI’s potential for the business. Those who invest in orchestrating their AI capabilities with intelligence today will keep up with customer expectations in the fast-changing future of finance.
