At Inscribe, our mission has always been clear: to enable instant trust in financial services.
As we move into 2025, our vision for achieving this mission has never been more precise, driven by two significant trends: the rise of agentic systems and the transformation of financial services through AI.
What does “instant trust” mean?
When we talk about instant trust, we're envisioning a financial services landscape where interactions are seamless and immediate. Whether you're opening an account, applying for a loan, or modifying a financial service product, the experience should be frictionless, fast, and fair.
Traditional financial services often suffer from slow, manual, human-oriented processes. By automating and augmenting these workflows through AI agents, we can fundamentally change how these businesses operate – improving both customer experience and reducing costs that are ultimately passed on to customers.
We see an AI workforce risk teams at the core of this transformation. These AI-powered teams will perform tasks that traditionally took humans hours, or even days, to complete.
The rise of agentic systems
When we talk about AI agents, we're not just discussing incremental improvements to existing systems. We're witnessing what may be the biggest technology wave of our lifetimes – with Large Language Models (LLMs) emerging as the closest approximation to human intelligence we've ever achieved.
Here's why:
- LLMs are uniquely suited to handle the core work of risk teams – retrieving data, synthesizing information across software systems, and identifying anomalies and patterns
- As performance improves, these systems can solve problems that were previously impossible, enabling entirely new types of products
- Decreasing costs make it feasible to use multiple LLM prompts for a single unit of work, dramatically improving accuracy and capability
- These advances are creating the foundation for truly autonomous software systems that can achieve goals and adapt to changing environments
The landscape of AI is rapidly evolving. What began as early discussions about agents in late 2023 has now matured into a concrete reality. Throughout 2024, we saw major players like Google, Microsoft, and Apple release consumer-facing agent features. Now, in 2025, we're seeing enterprises and B2B software providers like Inscribe delivering truly agentic systems to customers.
An AI agent is an autonomous software system that can achieve goals and adapt to changing environments through learning and reasoning. These systems are characterized by five key components:
- Inputs: Diverse data sources including documents, banking data, and public information
- Tools: Specialized capabilities for analysis and processing
- Planning: Strategic frameworks for decision-making
- Collaboration: Natural language communication and inter-agent cooperation
- Reflection: Continuous improvement through feedback and self-evaluation
Why are AI Agents so well-suited for financial services?
One of the key reasons AI agents are perfect for financial services is their ability to handle both standardized processes and ambiguous edge cases. Risk teams often deal with documents, financial data, and other inputs that can be tricky for traditional software to process. AI agents, particularly those powered by large language models (LLMs), can understand and analyze this data with far more nuance than previous systems, making them a powerful tool in detecting fraud and assessing risk.
Moreover, the decisions these AI agents help make are vital for the financial services sector. Correctly identifying fraud, managing compliance, and assessing credit are fundamental to ensuring that financial services remain fair and accessible. Every decision has a significant impact on a company’s bottom line and its customers' experiences.
The confluence of several factors makes this the perfect time for AI agents in financial services:
- Technology maturity: LLMs have reached a level of sophistication that makes human-like reasoning and adaptation possible
- Industry readiness: Financial services companies are actively seeking solutions to improve efficiency and reduce costs
- Market demands: Increasing competition and regulatory pressure require more robust risk management solutions
- Cost economics: Decreasing costs of AI operations make comprehensive agent solutions financially viable
How does an AI Workforce for risk teams help us get there?
Our vision of creating an AI workforce for risk teams is clearer now than ever.
For years, companies have relied on solutions that require human interpretation and intervention. Now, with advancements in AI, software can produce human-level outputs, reducing the need for constant manual oversight.This collaboration between human agents and AI is a significant leap forward. In financial services—an industry where accuracy, speed, and fairness are critical—this new technology will revolutionize how companies make decisions on fraud, compliance, and credit.Already, some of our customers are showing what’s possible. A major personal lender we work with is automatically approving 11% of its applications using our technology. In other cases, customers have reduced onboarding times from 26 days to just 10, and that’s only the beginning.
AI Fraud Analysts — and beyond
Today, our primary focus is on improving our AI Fraud Analyst, working closely with a select group of beta customers and design partners. These AI Agents are designed to handle most of the work that a human fraud analyst would perform, but faster and more efficiently. Over time, we’ll continue to expand our capabilities to cover more roles within risk teams.
What’s especially exciting is the possibility of convergence across these functions. Since fraud, compliance, and credit analysis often require overlapping data and similar skill sets, we believe the future of risk management lies in creating AI Agents that can perform across multiple roles. The objective may differ—fraud detection versus compliance—but the underlying technology can be unified.
Financial services in 2030
As we look ahead, it’s easy to imagine a world where AI Agents are an integral part of every risk team in financial services. These AI-driven risk teams will streamline operations, reduce the need for manual input, and, most importantly, enable financial services companies to deliver a better, faster, and more trustworthy experience for their customers.
In just a few years, we envision our customers having AI agents that do hours of work for them with minimal effort on their part. These agents will not only process data but also interpret results, identify patterns, and even offer recommendations for better decision-making.
It’s an exciting time to be at the forefront of this transformation, and we’re eager to share more as we continue to build toward this future.
Stay tuned for what’s next
We’re already seeing the power of AI agents at work, but there’s still much more to come. Our teams are working closely with our incredible customers to build and refine these tools. And while our AI Fraud Analyst and AI Compliance Analyst for now, the potential applications are limitless.
The world of financial services is on the verge of a significant shift, and we’re proud to be driving that change. Stay tuned for more updates as we continue to expand our AI workforce and help create a more efficient, fair, and trustworthy financial system.
If you’re a risk leader or financial services operator interested in learning more, we’d love to have a conversation. Simply reach out to schedule a meeting with our team.
