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How agentic AI shifts systems from passive tools to autonomous collaborators — what banks gain, real Scotiabank examples, and a practical playbook for business analysts and API teams.
Agentic AI will subsume many point-product SaaS tools within five years by orchestrating workflows and personalizing work, but core enterprise systems will be augmented rather than instantly replaced.
Agentic AI can adapt to individual workflows and orchestrate tools — a capability that could replace many SaaS experiences within five years, though legacy, governance, and trust issues will slow full displacement.