Agentic AI at the Inflection Point: Opportunity, Disruption and Governance

As Agentic AI transitions from hype to practical use, companies and institutions are compelled to assess both its economic potential and its associated risks. What began as small trials is now transforming how businesses modernize, how software is developed and how rules are established. However, adoption is hindered by concerns over verification, trust and the costs of reworking legacy systems.

Enterprises: Migration as a Platform for Autonomy

Microsoft’s new Azure Accelerate program combines expert services with agentic AI to speed up application migration and modernization. The Cloud Accelerate Factory provides support for over 30 Azure services, while GitHub Copilot is used to scan legacy code bases and suggest fixes. The goal is to make modernization not just a path to the cloud but a platform for agentic workloads.

The implication is clear: modernization is no longer a one-off project but the foundation of an agent-ready enterprise. Cloud migration becomes a competitive differentiator when organizations can embed autonomy into workflows, but Microsoft also emphasizes the need for governance, security and observability from the outset.

Citi has recently upgraded its internal AI platform. Citi Stylus Workspaces now includes agentic capabilities, allowing employees to consolidate tasks that previously required multiple tools into a single prompt. The rollout begins with thousands of users and integrates deeply with internal systems.

But cautious voices also emerge. According to PYMNTS, Palo Alto Networks CEO Nikesh Arora warned that enterprises may delay adoption unless controls “built into agentic browsers … oriented around credentials and enterprise security” are in place. His view underscores the need to embed trust and identity frameworks before unleashing autonomy at scale.

That perspective aligns with Bloomberg Intelligence, which forecasts that while banks see agentic AI reducing operating costs by 5-10% over the next five years, governance and legacy system complexity could delay broad deployment. Bloomberg also reported that its own technology stack has adopted the Model Context Protocol (MCP) to standardize interoperability for agentic tools.

SaaS: Orchestration Over Interfaces

Bain’s report on agentic AI and SaaS highlights how autonomy could upend traditional business models. Seat-based pricing and dashboard-driven workflows become less relevant when agents can operate across APIs, coordinate tasks and deliver outcomes directly. Bain noted that “disruption is not optional,” predicting that winners will be those who build modular services where agents orchestrate tasks instead of humans clicking through interfaces.

The broader market is already signaling confidence. As PYMNTS reported, corporate America is investing heavily in this area. Moody’s cut credit memo preparation time from 40 hours to two minutes by deploying modular agents, while Walmart is exploring the use of agents in supply chain orchestration. These are not pilot experiments but reengineered workflows.

Meanwhile, the Wall Street Journal has argued that “software’s death by AI has been greatly exaggerated.” Legacy SaaS vendors may not vanish, but they must adapt to avoid erosion. Even Salesforce, WSJ noted, faces investor pressure to prove its ability to integrate autonomy into its suite, showing that the scrutiny is real.

Thus, interfaces give way to orchestration, and the SaaS business model must transform accordingly.

Risks and Institutional Reckoning

However, promise coexists with peril. In education, the new class of browser-based agentic tools is already raising alarms. In Forbes, Aviva Legatt warns that agentic AI browsers “pose a direct threat to academic integrity” by allowing students to outsource work to autonomous tools. She argues that blocking these browsers is the only way to preserve trust in the classroom.

But commerce and enterprise face their own frontier of risk. As PYMNTS reported, agentic AI cannot scale safely without strong verification. Worldpay and Trulioo are piloting a “Know Your Agent” passport to ensure transactions can be traced to accountable actors. Without identity frameworks, agents create fraud vectors that undermine trust in commerce.

According to Reuters, a report by Gartner adds urgency, estimating that over 40 percent of agentic AI projects will be scrapped by 2027 due to unclear value and escalating costs. This illustrates the importance of governance and clarity in achieving successful adoption.

The Defining Leadership Challenge

Across sectors, agentic AI is a test of leadership. For enterprises, modernization is no longer about cloud adoption but building a secure, governable foundation for autonomy. For SaaS, the imperative is to rewire pricing, distribution and engagement around agents rather than interfaces. For education, the challenge is to uphold integrity while designing policies that can coexist with autonomous tools.

The market context reinforces the stakes. The global autonomous agents market is estimated at $4.35 billion in 2025, projected to reach $103.3 billion by 2034 at a CAGR of more than 40 percent. Agentic AI is not incremental. It is redefining where value is created and how trust is maintained, making it the foundation of the next era of technology.