Mark Talbot, Director, CS AI Initiatives at Appian, reasons that as organisations grow more capable with AI, the challenge shifts from proving its value to expanding access to it

Many organisations have long treated improvement as something that arrives as a top-down effort, not something built with the people doing the work. Specialists designed new processes, discussed them in formal forums, and introduced them through large change programmes that often felt detached from daily work. For most employees, ‘transformation’ meant being asked to follow new rules, rather than designing better ways of working.

AI is starting to reverse that pattern. Instead of concentrating control and decision rights in a small, central group, modern AI tools give more agency to the people closest to the work. They can see what is not working, imagine better approaches, and use AI to help redesign and improve the processes they rely on every day. This shift – which can be described as the democratisation of AI – changes who participates in improving the business. However, it is worth remembering that this shift only works at scale when AI is embedded within a platform that maintains governance, visibility and control. 

Process Improvement in the Hands of Many

Until recently, fixing a broken process often meant filing tickets, waiting for a slot on an IT roadmap, or hoping that a specialist team would eventually address the issue. Creating applications, building automations or redesigning workflows were seen as highly technical tasks. For most employees, waste and inefficiency were things to work around, not things they had the tools or authority to change.

That obstacle is now deteriorating, as long as organizations don’t lose sight of the fact that governance remains essential, particularly in highly regulated environments

AI agents, generative AI and conversational interfaces allow people across the business to shape how work is structured. Within this model, someone in operations can describe an outcome in plain language and have an AI system propose and embed the steps within existing processes. Within a governed platform, non-technical users can adapt existing solutions and automate repetitive tasks without waiting months for central support. At the same time, process insights give developers visibility into what is being built, enabling them to refine, standardise and scale applications more quickly across the organisation.

Data is opening up as well. Data fabrics and related architectures connect scattered information sources into governed layers that a wider audience can access safely. Instead of waiting on static reports, people can access relevant, trusted data when they need it, and use AI to interpret and apply it to their decisions.

When process insight and data access reach this level, best practices move beyond documentation or occasional training. Tools and workflows embed them into daily work, improving performance across the organisation.

Scaling Improvement Across the Organisation

As more individuals understand how their work connects to broader outcomes, organisations unlock a powerful driver of change. Process improvement no longer depends only on a small group of specialists. Employees can recognise when processes are inefficient or risky and have the means to address them at scale, inside an AI platform.

By encoding domain knowledge into AI assistants and digital coworkers within an enterprise-grade AI platform, organisations can share expertise across roles and levels. These AI-powered helpers do not replace professional judgment. They strengthen it. They surface options, highlight inconsistencies and provide context, while humans make the final decision. Over time, each interaction becomes both a learning moment and a new piece of institutional knowledge that organisations can capture and reuse.

In this model, process improvement is no longer episodic or confined to formal transformation projects. It becomes part of everyday work, inside a platform with AI tools that provide real-time feedback and recommendations.

AI, Noise Reduction, and Better Oversight

This shift raises a key question: if AI platforms make analysis, decision support, and process design more accessible, what happens to deep expertise?

There is a concern that easy access to AI advice might weaken people’s understanding. If answers are always a prompt away, will teams still develop the knowledge that comes from working through complexity? If people follow AI suggestions without grasping the logic, how meaningful can human oversight really be?

Over-reliance on instant guidance can create only surface-level competence. People may treat AI outputs as instructions rather than as inputs to their own reasoning.

On the other hand, used well, AI can create more room for expertise, not less.

By handling repetitive tasks and routine decisions, AI reduces the volume of low-value work that consumes people’s time. Teams can then focus on exceptions and refine how they make decisions. Instead of dealing with every routine request themselves, they can focus on work where context and experience matter most.

When AI removes more of the routine burden, teams have more capacity to focus on judgement, process design and oversight. That helps build expertise while keeping improvement connected to the wider goals and governance of the business.

Shaping AI, Not Just Living With It

As organisations grow more capable with AI, the challenge shifts from proving its value to expanding access to it. AI is moving from something that happens to the workforce to AI being something that is built and refined with the workforce.

Organisations should treat people as partners in shaping AI, rather than as operators of automated systems. When AI platforms can be combined with process visibility and human judgement, employees can have an outsized effect on the systems around them. They can influence how work is structured and how decisions are made. In that sense, AI redistributes who participates in designing better ways of working, and creates an opportunity to anchor that shift in thoughtful design and human expertise.

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Michael Heffner, Head of Global Industry and Value at Appian, on how banking’s complexity and regulatory rigour make it the perfect proving ground for agentic AI

Let’s be frank: AI is nothing new in banking. For decades, technologies like machine learning (ML) and robotic process automation (RPA) have supported incremental efficiency gains in financial services, refining everything from risk models and fraud detection to credit scoring and claims processing. 

Yet for all their speed and accuracy, these systems share one key limitation: they rely on explicit human prompts to complete their tasks. In other words, traditional AI assists; it doesn’t truly act. 

From Incremental to Intelligent 

AI’s evolution in banking has largely focused on targeted optimisations. Helpful, but insufficient to materially reshape core operations; automating high-volume, rule-based workflows that make life a little easier but are rarely transformative.   

Think of tasks like scanning for suspicious transactions, handling data entry, or deploying chatbots to manage basic customer queries. Useful, yes. These improvements, while valuable, rarely translate into structural or enterprise-level transformation.  

Despite their pattern recognition and predictive capabilities, most AI systems still stop short of acting on their insights. They generate recommendations or alerts, then wait for a human to decide what happens next. 

Agentic AI marks a major leap forward. It doesn’t just generate content. Agentic AI perceives, learns, and acts with minimal human input. It can independently determine which tools or platforms to integrate with, choose the best course of action based on its set goals, and continually improve as it learns from outcomes.  

Why Banking is Fertile Ground for Agentic AI 

Highly regulated and flush with data, banking is — on paper at least — ideally suited to agentic AI. The sector’s complex layers of risk management, compliance requirements, and forward-thinking customers create endless opportunities for autonomous systems that can adapt and act within defined guardrails. 

Fraud prevention is an apt example. Where traditional AI might identify a suspicious transaction and send it to a human for review, agentic AI can make decisions and put them into action. Immediately placing a temporary hold on the account or escalating the case to a human employee based on a real-time assessment of risk. 

Credit risk is another perfect use case. Instead of static models recalibrated quarterly, agentic AI can continuously update risk profiles as new data streams in, adjusting lending limits or recommending action without the need for human input.  

Breaking AI Out of the Back Office   

Old habits die hard. Despite its autonomous potential, many banks still confine AI to the back office. Using it for repetitive, low-risk tasks that make processes faster but not fundamentally different. Even when AI is deployed, humans often need to manually review every output before any real action can be taken. 

But that’s changing fast. A new generation of AI-driven agents is emerging to support both employees and customers. Acting as copilots or digital teammates, these systems help staff navigate complex compliance requirements and guide customers through products and policies, all while explaining their reasoning.  

The benefits are already evident. For example, lending cycle times are being dramatically reduced using AI agents. Where the traditional loan process is slow and involves a lot of paperwork, an AI-assisted cycle sees the automation of time-heavy tasks like document sorting, extracting key financial details, and flagging suspicious activity.  

Crucially, these systems don’t just provide rote, box-ticking answers. They also explain their reasoning, allowing users to understand and trust the information they receive.  

Regulating the Rise of Autonomy 

Of course, with greater autonomy comes greater accountability. The EU’s upcoming AI Act and similar global frameworks are reshaping how banks deploy advanced AI systems. With their risk-based classification, these laws place banking firmly in the ‘high-risk’ category — demanding transparency and rigorous data governance.  

For agentic AI, this means accountability must be built in from day one. Every decision, recommendation, or automated action should be logged, explainable, and auditable. Humans must always retain the ability to step in and take control.  

This explainability is a competitive differentiator as much as it is a compliance requirement. In a sector built on trust, transparency is what allows banks to balance innovation with integrity, using AI to elevate both performance and confidence. 

Overcoming Process Debt  

Leaving the past behind isn’t always easy, and even the most sophisticated AI can’t deliver results if it’s trapped inside outdated workflows. Many banks are still burdened by process debt.

Process debt refers to the accumulated inefficiency embedded in legacy workflows. Anything from outdated sequencing and institutional habits to procedural guardrails that were set in motion years ago but have long since outlived their usefulness.  

Unlike technical debt, which can be mapped and fixed through IT audits, process debt is cultural. It’s embedded in the way things have always been done. 

Agentic AI offers a way out. By redesigning workflows around intelligent agents, banks can eliminate redundant steps, automate decision-making, and reduce operational friction, without compromising oversight or control.   

A Future Without Bounds   

Agentic AI represents a line in the sand, shifting banks from relying on systems that merely predict and automate to collaborating with those that can reason and act.  

It’s a chance to move beyond the limits of legacy systems toward a model of continuous, intelligent operations. But success will depend on one thing: deploying this technology responsibly, with governance, transparency, and human oversight at its core.  

By doing so, banks can unlock new levels of agility, efficiency, and innovation. And they’ll be setting a new standard for how the industry competes.   

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  • Artificial Intelligence in FinTech
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