Research into two-party agentic delivery
Directors, chief executives, finance and operating leaders, and senior risk, compliance, and audit executives deciding the direction, oversight, and funding of outsourced agentic services.
AAO-121 / Governance and Accountability
Every one of the study’s 150 engagements contained a reported departure from intended governance, oversight, or control functions. Bank boards should commission an independent audit of delivery, contain material exposure, and require evidence that corrections operate.
AAO-122 / Assurance and Audit
100% of sampled engagements had reported manual alteration: 150 of 150. Under 1.3% of pooled disclosure answers reported discussion with the bank: 13 of 1,004 answers. Boards should independently reconstruct the service, its human contribution, and the account the bank received.
AAO-123 / Delivery and Operations
Agentic AI changes the inputs, decisions, review, exceptions, and acceptance surrounding its assigned task. Buyers and providers should map and redesign the complete delivery method, then prove its business outcome before expanding autonomy.
AAO-124 / People and Capability
Managing agentic outsourcing requires people in both firms to authorize work, challenge results, accept outcomes, disclose interventions, and recover the service. Train participating roles for those duties and test the relationship through joint rehearsal before expanding consequential authority.
AAO-125 / Economics and Value
Measure the outsourced function before and after transition on a comparable price-and-performance basis. Establish full buyer cost and captured benefits, account for the investment, and repair the delivery constraints that consume value. A cheaper agent task or released capacity alone does not establish ROI.
AAO-126 / Assurance and Audit
Reported control departures and manual alteration each reached 150 of 150 sampled engagements. The manual-alteration contrast is 100% of engagements versus under 1.3% of pooled disclosure answers. Bank boards should commission an independent portfolio audit covering provider delivery and the bank’s own readiness.