Agentic AI in finance: the new frontier Paraguay is beginning to observe

Paraguay is beginning to turn its attention to agentic artificial intelligence, a burgeoning frontier in the financial sector where AI systems are designed not just to respond to queries but to actively execute tasks. This technology holds the potential to revolutionize customer service, credit processes, financial education, and the overall client experience.

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Agentic AI is an evolution of artificial intelligence that, in addition to having assistance capabilities, has the capacity to understand, reach a clear objective, and make micro-decisions when using systems and tools.

Jorge Figueredo, a specialist in artificial intelligence and director at Líderes Digitales, distinguishes agentic AI from conventional chatbots. He explains that agentic AI possesses the capability to comprehend a goal, interact with various tools, and make discrete decisions to advance specific processes, all while operating under authorized parameters, rules, and human oversight. This represents a significant evolution, moving beyond simple assistance to proactive task completion.

Figueredo further clarifies the distinction between agentic AI and traditional automation. While automation follows predefined steps without independent reasoning, agentic AI incorporates analysis, objective-driven actions, and contextual responsiveness. A financial chatbot might provide information on operating hours or credit types, but an agentic AI could potentially handle a credit application, request documentation, validate information, consult internal systems, assess risk, and then explain the most suitable product to the user, demonstrating superior cognitive abilities.

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It has greater cognitive capabilities than a simple bot.

Internationally, major payment networks like Visa and Mastercard are actively developing the infrastructure necessary for AI agents to operate within digital commerce. These systems are envisioned to handle tasks such as searching for products, making recommendations, and even completing purchases or payments on behalf of clients, all while maintaining user control through tokenized credentials, defined limits, traceability, and robust security measures. As Paraguay observes these developments, it begins to consider how this nascent technology could reshape its financial landscape.

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Other technologies simply allow you to execute basic defined rules, and agentic AI allows you to reason and respond with analysis to what the user requests.