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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.

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.

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

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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.

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

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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.

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

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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.

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

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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.

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

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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.

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.

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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

Refund cycle time down 40–60% · lower cost per return with fraud loss controlled
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Salesforce Agentforce
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