Disruptive technology meets regulated reality — and too many banks are faking readiness.

Agentic AI is here. Financial institutions are racing to implement Retrieval-Augmented Generation (RAG) systems with autonomous capabilities — giving AI agents the ability not just to retrieve data, but to reason, decide, and act independently.

But here’s the problem:

58% of Agentic RAG deployments in financial services are failing compliance audits.

Why? Because these projects are often launched without the architectural guardrails needed to meet regulatory standards.

The Evolution of Intelligence: From LLMs to Agentic AI

Let’s simplify the landscape:

• LLMs generate answers
• RAG grounds them in enterprise data
• Agentic AI acts on them

This shift introduces new responsibilities. Action means autonomy — and autonomy demands infrastructure:

• Memory
• Tool integration
• Policy enforcement
• Real-time observability

It’s no longer about managing prompts. It’s about managing outcomes, decisions, and accountability.

The Compliance Iceberg

Where Today’s Architectures Break Down

You can’t bolt on compliance later. You have to build for it from the start.

What’s Required for Compliant Autonomy

To govern autonomous AI in a regulated environment, you need:

• Memory-aware data stores
• Tool orchestration with access policies
• Personalization aligned with consent
• Real-time system observability
• Federated knowledge governance

Autonomy isn’t inherently dangerous. Unsupervised autonomy is.

Why EDG is the Infrastructure That Makes Agentic AI Viable

TopBraid EDG is not just a governance layer. It’s agentic infrastructure.

• Orchestrates secure, autonomous agents
• Connects APIs, models, and tools through governed workflows
• Captures full lineage and decisions
• Enforces policies during agent execution

For institutions that must answer to regulators, EDG is how you move fast without breaking the law.

Case in Point: Agentic RAG for Loan Risk Monitoring

What does this look like in the real world?

With TopBraid EDG:

• AI agents scan structured and unstructured data
• Propose and act on loan risk assessments
• All decisions are logged, traced, and policy-checked
• Auditors can review every action with full context

This isn’t a proof of concept. It’s compliant AI in production.

Closing Challenge

You don’t need another model.
You need a strategy.
You need infrastructure that support and enforce compliance.

TopBraid EDG is the standard for compliant Agentic AI. Anything less is just reckless automation.