Agentic AI continues to be the centerpiece around which technology providers are building automation tools. Most recently, Oracle’s Financial Services unit introduced an agentic AI platform aimed at helping retail banks embed AI-driven decisioning and automation more deeply into customer-facing and operational workflows.
Unveiled at the Oracle Financial Services Summit in New York City, the platform combines AI-enabled applications, design frameworks and prebuilt agents intended to support customer engagement, lending and compliance processes across digital and branch channels. Oracle Financial Services said the offering is available now and is designed to support banks as they shift toward more AI-centric operating models.
The platform is positioned as a foundation for deploying autonomous agents while maintaining human oversight. Oracle said its approach is intended to keep bankers involved in decision-making through a “human-in-the-loop” model, particularly in regulated activities such as credit decisioning and collections.
“Oracle is ushering in a new era of banking where AI moves beyond task automation to deliver real business intelligence, agility, and trust at scale,” said Sovan Shatpathy, senior vice president of product management and development at Oracle Financial Services.
Among the initial use cases are agents focused on retail banking originations, including tools for product brochure generation, application insights and application tracking. Oracle said these agents are designed to streamline information sharing, predict delays in loan processing and recommend next steps for bankers and underwriting teams.
Additional agents target credit analysis and collections. These include tools that suggest responses for qualitative credit scorecards, summarize collection calls from transcripts and analyze call tone and sentiment to flag potential compliance issues under regulations such as the Fair Debt Collection Practices Act.
Oracle said the agents announced this week represent a subset of a broader roadmap, with hundreds of retail and corporate banking agents planned for release over the next year. The company framed the platform as part of a broader effort to integrate AI decisioning across banking operations rather than deploying isolated automation tools.