Outstanding piece on the shift from pilot theater to production-grade agentic systems. Your framing of the holistic conductor concept really cuts through the noise. What stands out is how this architecture solves the classic integration problem that killed so many early AI banking projects. When agents can actually orchestrate across the full stack instead of living in isolated domains, you get true compound leverage. The mortgage example with 50+ documents becoming near-instant processing is compelling,but what might catch banks off guard is the operational debt this creates. Teams will need new muscle memory around agent supervision and error recovery patterns that don't exist in traditional SOPs. The 10x productivity gain from agent factories is real, but it comes with governance complexity most banks haven't budgeted for.
Really appreciate you bringing this up. The integration piece is definitely where a lot of the early momentum is coming from, but I think banks are still figuring out what “full-stack orchestration” even looks like in practice. Some are already pushing agents across multiple systems, others are still testing very contained workflows. The spread is huge.
On the ops side, the productivity numbers sound impressive, but you’re right that it introduces new types of work. What I’m seeing is that teams are experimenting with different supervision models, and none of them are fully settled yet. Some banks treat agents like junior analysts, others like automated scripts with approvals. There isn’t a standard playbook.
Your point on operational debt is a solid one, and I think we’ll see very different approaches emerge over the next couple of years as banks learn where the real friction sits.
Outstanding piece on the shift from pilot theater to production-grade agentic systems. Your framing of the holistic conductor concept really cuts through the noise. What stands out is how this architecture solves the classic integration problem that killed so many early AI banking projects. When agents can actually orchestrate across the full stack instead of living in isolated domains, you get true compound leverage. The mortgage example with 50+ documents becoming near-instant processing is compelling,but what might catch banks off guard is the operational debt this creates. Teams will need new muscle memory around agent supervision and error recovery patterns that don't exist in traditional SOPs. The 10x productivity gain from agent factories is real, but it comes with governance complexity most banks haven't budgeted for.
Really appreciate you bringing this up. The integration piece is definitely where a lot of the early momentum is coming from, but I think banks are still figuring out what “full-stack orchestration” even looks like in practice. Some are already pushing agents across multiple systems, others are still testing very contained workflows. The spread is huge.
On the ops side, the productivity numbers sound impressive, but you’re right that it introduces new types of work. What I’m seeing is that teams are experimenting with different supervision models, and none of them are fully settled yet. Some banks treat agents like junior analysts, others like automated scripts with approvals. There isn’t a standard playbook.
Your point on operational debt is a solid one, and I think we’ll see very different approaches emerge over the next couple of years as banks learn where the real friction sits.