NewNew: The enterprise guide to Agentic AI — 24 min read.

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Illustrative, anonymized engagements · Results vary by scope
2026 priorities

The agent programs enterprise leaders are funding right now.

Six agent use cases reflecting where 2026 budgets are moving: agents that take action in systems of record, supervision of an AI workforce, and governance you can put in front of compliance.

A financial services operations team reviewing account servicing and dispute cases at their workstations.
Customer-Facing AI AgentsFinancial ServicesAutonomousAmazon ConnectAmazon Lex

Action-taking voice agent for billing and payments

Payments, disputes in progress and balance actions complete in the voice channel, with clean escalation when policy or risk rules trip.

Workflow
  1. Intake
  2. Act in Core banking
  3. Update Payments
  4. Escalate exceptions
  5. Measured

Transactions completed in channel · 15–25 pt containment lift over answer-only bots

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A team lead coaching an agent on a BPO contact center floor while reviewing a quality dashboard.
Customer-Facing AI AgentsBPOSupervisedGenesys CloudNICE CXone

Control plane for a hybrid human and AI agent workforce

Operations manages AI capacity the way it manages headcount, with per-client reporting clients can audit.

Workflow
  1. Intake
  2. Act in CCaaS routing
  3. Approval gate
  4. Update WFM
  5. Measured

Single capacity view across human and AI agents · cost per contact reported by agent type within 1 quarter

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A health payer operations team reviewing claims and member eligibility on screen together.
Customer-Facing AI AgentsHealth PayersSupervisedFive9NICE CXone

Quality management agent that scores every interaction and routes on it

Sensitive member calls land with agents who score well on that behaviour, and coaching lands while the gap is fresh. Disputed scores and routing changes require a quality-leader review.

Workflow
  1. Intake
  2. Act in Quality management
  3. Approval gate
  4. Update CCaaS routing
  5. Measured

100% scored interactions · quality signals applied to routing within the shift · compliance risk reduced

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Insurance claims handlers reviewing first-notice-of-loss photos and claim files while one adjuster takes a call.
Process & Operations AI AgentsInsuranceSupervisedAWS BedrockKore.ai

RPA replacement agents that call APIs instead of scraping screens

Automations survive vendor releases, and the exception queue becomes the only thing operations watches.

Workflow
  1. Intake
  2. Act in Policy and claims APIs
  3. Approval gate
  4. Update Workflow orchestration
  5. Measured

40–60% lower automation maintenance cost per process · 50%+ fewer break-fix incidents per release

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A nurse coordinator and a patient-access specialist working scheduling and prior authorization queues at a hospital operations desk.
Process & Operations AI AgentsHealthcare ProvidersSupervisedAWS BedrockAzure OpenAI

Audit-grade agent observability and tracing

Agents clear compliance review because each action can be reconstructed, and regressions surface before they reach patients or payers.

Workflow
  1. Intake
  2. Act in Agent runtime
  3. Approval gate
  4. Update Trace store
  5. Measured

100% of cases reconstructable step by step · drift detected before member impact · 30% shorter compliance approval cycle

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A financial services operations team reviewing account servicing and dispute cases at their workstations.
Employee-Facing AI AgentsFinancial ServicesSupervisedSalesforce AgentforceCopilot Studio

Converged IT and HR employee service agent

Employees ask once, and joint journeys such as onboarding or role change complete without manual hand-offs. Pay, leave and privileged-access actions run behind manager or HR approval.

Workflow
  1. Intake
  2. Act in ITSM
  3. Approval gate
  4. Update HRIS
  5. Measured

Single intake for 100% of internal requests · 40–60% fewer cross-team reassignments · 20–30% lower cost per internal case

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Agent pattern: Assistive — drafts and recommends, a person sends. Supervised — acts in your systems behind approval gates. Autonomous — completes the work end to end within policy and escalates exceptions.

16 of 86 agent use cases · page 1 of 2 ·

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A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Customer-Facing AI AgentsRetail & EcommerceAutonomous

Order and returns agent that completes the transaction

Problem. Order-status and returns demand triples at peak, forcing seasonal hiring that never pays back.

Agent design. Agentforce service agents call OMS and commerce APIs to track, cancel, reship and refund within policy limits, with voice fallback on Amazon Connect and a single context handoff to a human.

Outcome. Order and returns work is completed by the agent across web, app and voice — not deflected to a form.

Acts in. OMS · Commerce platform · Payments

Workflow
  1. Intake
  2. Act in OMS
  3. Update Commerce platform
  4. Escalate exceptions
  5. Measured
50–70% of peak order demand handled without a live agent · lower cost per resolution
Works with
Salesforce AgentforceAmazon Lex
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Enterprise Agentic AIRetail & EcommerceSupervised

Merchandising agent for markdown and replenishment decisions

Problem. Markdown and replenishment decisions across thousands of SKUs are analyst-bound, so margin leaks on the long tail nobody has time to review.

Agent design. Agents monitor sell-through and inventory position, propose markdown and replenishment actions with rationale, and execute in the planning system once the buyer approves.

Outcome. Every SKU gets a decision, not just the top sellers, with buyers holding the approval.

Acts in. Merchandising / planning · Inventory · Pricing

Workflow
  1. Intake
  2. Act in Merchandising / planning
  3. Approval gate
  4. Update Inventory
  5. Measured
2–4x faster markdown cycles · 10–20% fewer stockouts · 1–3 points of margin recovered on tail SKUs
Works with
AWS Bedrock
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
AI Agent FoundationsRetail & EcommerceAutonomous

Product knowledge foundation for commerce agents

Problem. Keyword retrieval misses intent on long-tail demand, capping conversion for both site search and any shopping agent built on it.

Agent design. Semantic index over the catalog with LLM re-ranking, merchandising rule injection and an evaluation loop tuned on conversion signal.

Outcome. Shopping agents and site search resolve intent rather than matching strings. Merchandising rules cap what the agent can promote, and pricing exceptions escalate to a buyer.

Acts in. Product catalog · Merchandising rules · Search and ranking

Workflow
  1. Intake
  2. Act in Product catalog
  3. Update Merchandising rules
  4. Escalate exceptions
  5. Measured
3–8% search-driven conversion lift · 10–20% revenue recovered on long-tail queries
Works with
AWS Bedrock
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Process & Operations AI AgentsRetail & EcommerceAutonomous

Accounts payable agent for vendor invoice matching

Problem. High-volume vendor invoices need PO matching and GL coding across thousands of suppliers, and late payment costs discounts.

Agent design. Agent extracts invoice data, performs three-way match against PO and receipt, codes to the GL and posts within tolerance, queueing only real exceptions with a coding recommendation.

Outcome. Matched invoices post touchless and early-payment discounts stop lapsing. Exceptions above tolerance escalate to AP for human approval before posting.

Acts in. ERP · Procurement / PO · Vendor master

Workflow
  1. Intake
  2. Act in ERP
  3. Update Procurement / PO
  4. Escalate exceptions
  5. Measured
80%+ touchless invoice rate · discount capture protected · lower cost per invoice
Works with
Microsoft Dynamics 365
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Process & Operations AI AgentsRetail & EcommerceSupervised

Returns and refunds agent across OMS and payments

Problem. Slow refunds damage repeat purchase, while loosening controls invites return fraud loss.

Agent design. Agent processes returns across OMS, payments and fraud screening, posts refunds within policy limits and escalates suspected abuse for human review.

Outcome. Refunds settle faster with fraud controls intact and fewer manual touches per return.

Acts in. OMS · Payments · Fraud screening

Workflow
  1. Intake
  2. Act in OMS
  3. Approval gate
  4. Update Payments
  5. Measured
Refund cycle time down 40–60% · lower cost per return with fraud loss controlled
Works with
Salesforce Agentforce
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Enterprise Agentic AIRetail & EcommerceSupervised

Procurement intake and PO status agent

Problem. Procurement requests and status chasing run through fragmented email and ticketing, extending cycle time on every purchase.

Agent design. Kore.ai process agent captures structured intake, checks PO status in ERP, routes approvals against spend thresholds and pushes vendor updates back conversationally.

Outcome. Requests complete without stakeholders chasing teams across systems.

Acts in. ERP / PO · Approval workflow · Vendor master

Workflow
  1. Intake
  2. Act in ERP / PO
  3. Approval gate
  4. Update Approval workflow
  5. Measured
30–45% faster procurement cycle time · 50% fewer status-chasing emails
Works with
Kore.ai
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Customer-Facing AI AgentsRetail & EcommerceAutonomous

Retail service agent across web, app and social

Problem. Order, returns and loyalty demand spikes at peak and forces seasonal hiring that erodes service margin.

Agent design. Kore.ai agent executes order changes, returns, refunds and loyalty adjustments across OMS, loyalty and payment systems, handing off with full order context when needed.

Outcome. Shoppers resolve issues in channel and peak volume no longer sets the headcount plan. Refunds beyond policy limits and repeat complaints escalate to a live agent.

Acts in. OMS · Loyalty · Payments

Workflow
  1. Intake
  2. Act in OMS
  3. Update Loyalty
  4. Escalate exceptions
  5. Measured
50–65% of peak demand handled without a live agent · lower cost to serve at peak
Works with
Kore.ai
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Enterprise Agentic AIRetail & EcommerceSupervised

Store operations agent for stock and transfers

Problem. Associate time on the sales floor is the scarcest retail resource, and stock lookups and transfer requests consume it.

Agent design. Kore.ai agent answers inventory queries conversationally, initiates transfers with manager approval and alerts on shipment delays affecting the store.

Outcome. Associates stay with customers instead of navigating inventory systems.

Acts in. Inventory · Store transfer / logistics · Task management

Workflow
  1. Intake
  2. Act in Inventory
  3. Approval gate
  4. Update Store transfer / logistics
  5. Measured
25% faster stock lookups · 20% fewer lost sales from out-of-stocks · selling hours recovered
Works with
Kore.ai
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Employee-Facing AI AgentsRetail & EcommerceSupervised

Frontline scheduling agent for shift changes

Problem. Swaps, absences and shift questions pull managers off the floor and leave shifts unfilled at the worst trading hours.

Agent design. Mobile agent processes swap and availability requests against WFM rules, surfaces qualified cover and executes the change once the manager approves in-flow.

Outcome. Frontline staff self-serve scheduling changes and shifts fill faster.

Acts in. WFM · Time and attendance · Manager approvals

Workflow
  1. Intake
  2. Act in WFM
  3. Approval gate
  4. Update Time and attendance
  5. Measured
50% fewer scheduling calls to managers · faster shift fill · manager floor hours recovered
Works with
Kore.aiCopilot Studio
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Employee-Facing AI AgentsRetail & EcommerceSupervised

Access and joiner-mover-leaver agent

Problem. Access requests queue for manual approval while leaver entitlements linger, costing productivity at one end and audit exposure at the other.

Agent design. Agent interprets the request, checks role-based entitlement policy, grants within policy, routes exceptions for approval and revokes automatically on leaver events.

Outcome. Employees get the right access sooner and security sees fewer standing entitlements.

Acts in. IAM · HRIS · Entitlement policy

Workflow
  1. Intake
  2. Act in IAM
  3. Approval gate
  4. Update HRIS
  5. Measured
60–80% faster access provisioning · 90%+ of accounts closed at offboarding · fewer audit findings
Works with
Copilot StudioAzure OpenAI
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Customer-Facing AI AgentsRetail & EcommerceAutonomous

Proactive outreach agent for orders, payments and renewals

Problem. Delivery exceptions, failed payments and lapsing memberships generate inbound cost and churn that a timely message would have prevented.

Agent design. Event-triggered outbound agents message customers across SMS, app and voice, resolve the task in the thread and escalate only when the customer asks for a person — consent-aware and quiet-hours compliant.

Outcome. Issues settle before the customer calls, protecting both revenue and inbound capacity.

Acts in. OMS · Payments and billing · Consent and messaging

Workflow
  1. Intake
  2. Act in OMS
  3. Update Payments and billing
  4. Escalate exceptions
  5. Measured
15–25% of inbound contacts avoided per exception event · 5–10% revenue retained on failed payments and renewals
Works with
Genesys CloudFive9
A retail customer care and fulfilment team reviewing order tracking and returns on screen.
Process & Operations AI AgentsRetail & EcommerceSupervised

Multi-agent orchestration for finance and order operations

Problem. Order, invoice and supplier exceptions cross four teams, and no single automation owns the end-to-end outcome.

Agent design. A supervisor agent decomposes the case and delegates to specialist agents for matching, dispute drafting and supplier follow-up, with approval gates on financial actions.

Outcome. Exceptions clear end to end instead of hopping between queues, and finance keeps approval control.

Acts in. ERP · OMS · Supplier portals

Workflow
  1. Intake
  2. Act in ERP
  3. Approval gate
  4. Update OMS
  5. Measured
30–50% shorter end-to-end exception cycle · working capital released · approvals retained on every financial step
Works with
Copilot StudioAzure OpenAI
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