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.

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

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A nurse coordinator and a patient-access specialist working scheduling and prior authorization queues at a hospital operations desk.
Enterprise Agentic AIHealthcare ProvidersSupervised

Prior-authorization agent that submits and follows up

Problem. Prior auth is payer-specific, multi-step work that consumes clinical time and delays both care and reimbursement.

Agent design. Multi-agent system: an intake agent assembles the clinical packet, a payer-rules agent applies the right criteria, a submission agent files it, and a follow-up agent tracks status — clinicians approve before submission.

Outcome. Submission and chasing run autonomously; clinical staff review exceptions only.

Acts in. EHR · Payer portals · Utilization management

Workflow
  1. Intake
  2. Act in EHR
  3. Approval gate
  4. Update Payer portals
  5. Measured
60% fewer manual touches per authorization · clinical hours returned to care
Works with
Azure OpenAICopilot Studio
A financial services operations team reviewing account servicing and dispute cases at their workstations.
Enterprise Agentic AIFinancial ServicesSupervised

KYC refresh agent for commercial banking books

Problem. Periodic refresh across a large customer book is a fixed regulatory cost that scales only by adding analysts.

Agent design. Agents pull entity and ownership data, screen adverse media and sanctions, reconcile discrepancies and produce a refresh packet with a reasoning trace for analyst approval.

Outcome. Analysts approve evidence-backed packets rather than assembling them, and refresh cycles stay inside regulatory windows.

Acts in. CRM · KYC / AML platform · Screening providers

Workflow
  1. Intake
  2. Act in CRM
  3. Approval gate
  4. Update KYC / AML platform
  5. Measured
50% analyst capacity released per refresh case · regulatory cycle met without added headcount
Works with
AWS BedrockSalesforce Agentforce
Insurance claims handlers reviewing first-notice-of-loss photos and claim files while one adjuster takes a call.
Enterprise Agentic AIInsuranceSupervised

SMB underwriting agent for commercial P&C submissions

Problem. SMB submissions are too low-margin to staff properly, so carriers decline business or lose it to slower turnaround.

Agent design. Underwriting agent extracts submission data, runs appetite and eligibility checks, prices tiers against the rating engine and drafts the quote for underwriter approval.

Outcome. Straight-through submissions are quoted same day with the underwriter retaining the bind decision.

Acts in. Policy admin · Rating engine · Submission inbox

Workflow
  1. Intake
  2. Act in Policy admin
  3. Approval gate
  4. Update Rating engine
  5. Measured
Quote cycle time from 2–3 days to under 4 hours · 20–30% more submissions quoted per underwriter
Works with
Azure OpenAI
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 team lead coaching an agent on a BPO contact center floor while reviewing a quality dashboard.
Enterprise Agentic AIBPOAssistive

Operations agent for BPO team leaders

Problem. Team leader time — the scarcest supervisory capacity in a BPO — is consumed by scheduling, adherence and shrinkage triage.

Agent design. Agent reads WFM, CCaaS and attendance data, proposes coverage actions against service targets and drafts the team communications for the leader to send.

Outcome. Team leaders manage exceptions and coaching instead of routine reallocation. Team leaders approve every reallocation before it takes effect.

Acts in. WFM · CCaaS · HR / attendance

Workflow
  1. Intake
  2. Draft in WFM
  3. Human sends
  4. Measured
10+ supervisory hours per leader per week released to coaching
Works with
Copilot StudioMicrosoft Dynamics 365
A health payer operations team reviewing claims and member eligibility on screen together.
Enterprise Agentic AIHealth PayersAssistive

Appeals and grievances drafting agent

Problem. Regulated appeal SLAs are missed because reviewers spend their time assembling case history and citing policy rather than deciding.

Agent design. Agent builds the case timeline from claims and correspondence, cites the governing policy and drafts the decision letter to template for reviewer approval.

Outcome. Reviewers edit and approve, and regulatory turnaround holds under volume spikes.

Acts in. Appeals case system · Claims platform · Policy library

Workflow
  1. Intake
  2. Draft in Appeals case system
  3. Human sends
  4. Measured
50% shorter cycle time on standard appeals · SLA attainment protected at peak
Works with
Azure OpenAI
A nurse coordinator and a patient-access specialist working scheduling and prior authorization queues at a hospital operations desk.
Enterprise Agentic AIHealthcare ProvidersSupervised

Capacity agent for perioperative and infusion scheduling

Problem. Idle block time is among the most expensive unused capacity in a health system, and manual rebooking cannot keep up with cancellations.

Agent design. Agent forecasts utilization, proposes block releases and fill lists, predicts likely bumps and executes rebooking once the scheduler approves.

Outcome. Higher utilization of high-cost capacity with less manual scheduling overhead.

Acts in. EHR scheduling · Block management · Capacity analytics

Workflow
  1. Intake
  2. Act in EHR scheduling
  3. Approval gate
  4. Update Block management
  5. Measured
5–10% block utilization lift · 15% fewer manual scheduling hours · contribution per block improved
Works with
Copilot StudioMicrosoft Dynamics 365
A team lead coaching an agent on a BPO contact center floor while reviewing a quality dashboard.
Enterprise Agentic AIBPOSupervised

IT service desk agent that executes the request

Problem. Service-desk capacity is consumed by password, access and device requests while employee downtime accumulates across the business.

Agent design. Kore.ai employee agent authenticates the requester, executes resets, access grants and device actions across IAM, ITSM and MDM, with approval gates on privileged changes.

Outcome. Common IT requests are completed in chat, and analysts work complex incidents.

Acts in. IAM · ITSM · Device management

Workflow
  1. Intake
  2. Act in IAM
  3. Approval gate
  4. Update ITSM
  5. Measured
50–65% of IT demand resolved autonomously · employee downtime hours recovered
Works with
Kore.ai
A financial services operations team reviewing account servicing and dispute cases at their workstations.
Enterprise Agentic AIFinancial ServicesSupervised

HR service agent for policy and onboarding execution

Problem. Repetitive policy, benefits and onboarding questions absorb HR capacity and slow new-hire time to productivity.

Agent design. Kore.ai agent answers from approved HR policy, executes onboarding checklist steps in HRIS and escalates sensitive matters to an HR business partner with context attached.

Outcome. New hires ramp faster and HR specialists handle the cases that need judgement.

Acts in. HRIS · Benefits platform · Onboarding workflow

Workflow
  1. Intake
  2. Act in HRIS
  3. Approval gate
  4. Update Benefits platform
  5. Measured
40% lower HR ticket volume · faster new-hire time to productivity
Works with
Kore.ai
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
Insurance claims handlers reviewing first-notice-of-loss photos and claim files while one adjuster takes a call.
Enterprise Agentic AIInsuranceAutonomous

Claims intake process agent for insurers

Problem. Multi-form intake with document uploads and coverage checks produces incomplete submissions and avoidable rework.

Agent design. Kore.ai agent orchestrates conversational intake, collects and validates documents, verifies coverage in policy admin and assembles the adjuster-ready package.

Outcome. Complete, validated claims reach adjusters without back-and-forth. Incomplete or high-severity submissions escalate to an adjuster with the gaps listed.

Acts in. Claims system · Policy admin · Document capture

Workflow
  1. Intake
  2. Act in Claims system
  3. Update Policy admin
  4. Escalate exceptions
  5. Measured
35% faster first-touch handling · 25% fewer incomplete submissions
Works with
Kore.ai
A nurse coordinator and a patient-access specialist working scheduling and prior authorization queues at a hospital operations desk.
Enterprise Agentic AIHealthcare ProvidersSupervised

Prior authorization agent for high-volume specialty referrals

Problem. Authorization delays hold up care and reimbursement, and payer-specific rules make the work impossible to standardize manually.

Agent design. Kore.ai agent assembles submissions, applies payer rules, attaches required clinical documentation and tracks status, escalating exceptions to a clinical reviewer.

Outcome. Authorizations submit faster and fewer are denied for missing information.

Acts in. EHR · Payer portals · Clinical documentation

Workflow
  1. Intake
  2. Act in EHR
  3. Approval gate
  4. Update Payer portals
  5. Measured
40% faster authorization turnaround · 25% less denial rework
Works with
Kore.ai
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