The Decision Science of Insurance: Understanding Risk, Value and Consumer Behaviour

Artificial intelligence is moving beyond answering questions. The next phase is about systems that understand goals, coordinate tools, make decisions, and execute work across the enterprise. As agentic AI advances, the workflow itself is becoming a new layer of software.

For decades, enterprise software has been organized around applications. A CRM managed customers. An ERP managed resources. A marketing platform managed campaigns. A service platform managed support tickets.

Each application provided features, interfaces, permissions, and data structures. Humans remained responsible for moving work between them.

A salesperson checked the CRM, researched an account, drafted an email, updated a record, scheduled a follow-up, and informed colleagues. A marketer exported campaign data, combined spreadsheets, interpreted performance, created recommendations, and adjusted activity. A finance team collected documents, checked policies, entered information into systems, and escalated exceptions.

Software digitized each step.

Agentic AI is beginning to change something more fundamental: who coordinates the steps.

OpenAI describes agents as systems capable of independently completing tasks by managing workflow execution, selecting tools, gathering context, taking actions, and determining when a task is complete. This is a significant departure from conventional AI applications that simply provide an answer after a prompt.

The shift is therefore not simply from traditional software to smarter software.

It is from software that people operate to systems that can operate workflows on their behalf.

From applications to outcomes

Traditional enterprise software is primarily feature-centric. Users learn what a system can do and navigate through menus, dashboards, forms, reports, and integrations to complete an objective. Agentic systems begin from the opposite direction.

The user defines an outcome.

“Identify accounts showing buying potential.”

“Investigate why conversion declined.”

“Prepare the quarterly business review.”

“Resolve this customer issue.”

“Compare these suppliers and recommend the strongest option.”

The system can then determine which information it needs, which tools should be used, what sequence of actions makes sense, where additional reasoning is required, and when human approval should be requested.

That distinction matters.

The application is no longer necessarily the primary unit of interaction.

"The next generation of software will not just support work. It will understand goals, coordinate decisions, and execute the workflows behind them."

Why workflows are becoming the new software

This is already visible in enterprise adoption. Microsoft’s 2025 Work Trend Index, based on 31,000 knowledge workers across 31 markets, found that 46% of leaders said their organizations were already using agents to fully automate workflows or business processes. The same research found that 81% expected agents to become moderately or extensively integrated into their AI strategy within the following 12–18 months.

The interface is becoming less important than orchestration

 

A workflow contains something individual applications rarely understand on their own: business context.

It contains objectives, sequence, roles, information requirements, dependencies, decision criteria, exceptions, approval rules, and expected outcomes.

Consider a B2B lead qualification process.

The real process is not simply “use the CRM.”

It might involve understanding the target market, researching a company, identifying relevant executives, evaluating company fit, analysing behavioural signals, reviewing previous engagement, assessing buying potential, updating the CRM, selecting an outreach approach, preparing messaging, and deciding whether the opportunity deserves sales attention.

Today, those activities may involve six or seven different applications.

An agentic workflow can potentially coordinate them as one operating process.

That is why the strategic opportunity around AI agents extends beyond replacing individual tasks.

IBM’s 2025 research among 2,900 executives found that respondents expected AI-enabled workflows to increase from just 3% of workflows to 25% by the end of 2025. Sixty-nine percent identified improved decision-making as the leading expected benefit of agentic AI.

The economic value increasingly sits in the coordination layer between systems, not only within the systems themselves. 

Enterprise technology has historically competed through interfaces and features. The interface is becoming less important than orchestration

The agentic era introduces another competitive dimension: orchestration.

An effective agent needs access to models capable of reasoning, tools capable of acting, business instructions that define acceptable behaviour, enterprise context, permissions, memory or persistent state, evaluation mechanisms, and guardrails.

The result resembles less of a conventional application and more of a dynamic operating layer.

A marketing agent might use CRM data, analytics platforms, campaign systems, consumer intelligence, web research, internal documents, pricing information, and communication tools within one workflow.

A customer service agent could inspect account history, interpret a request, check company policy, retrieve transaction data, decide on an appropriate resolution, update internal systems, and escalate unusual cases.

A procurement workflow could compare suppliers, examine contracts, evaluate policy requirements, identify risk, prepare recommendations, and request approval.

The underlying applications still matter.

But increasingly, the user may not need to operate every application directly.

The agent becomes an interface to the workflow across applications.

Agentic AI changes the unit of knowledge work

This distinction between chat and agency is important.

Generative AI initially improved individual moments of work: writing an email, summarizing a document, generating ideas, analysing text, or creating code.

Agents expand the time horizon.

OpenAI’s 2026 research describes this shift as a change in the unit of knowledge work—from short, self-contained interactions toward delegated tasks that can continue for minutes or hours while coordinating tools and iterating toward an objective.

That changes how organizations should think about AI deployment.

The question becomes less:

“Where can employees use AI?”

And increasingly:

“Which workflows can be redesigned around AI?”

That is a much larger transformation.

The new enterprise architecture is workflow-first

If workflows become increasingly agent-operated, enterprise architecture will need to evolve around them.

The emerging architecture has several layers.

Business systems remain the system of record. CRM, ERP, CDP, analytics, finance, support, commerce, and collaboration platforms continue to store operational truth.

Models provide reasoning.

Tools and APIs provide execution capability.

Agents coordinate actions.

Orchestration determines how agents, tools, systems, and humans interact.

Governance establishes permissions, boundaries, approvals, security requirements, and accountability.

And workflows connect all of these components around a business objective.

This architecture explains why simply purchasing an AI agent may not create meaningful enterprise value.

Organizations must make systems accessible, data usable, responsibilities explicit, and workflows understandable.

Deloitte’s 2026 research highlights this readiness gap. While 74% of surveyed leaders expect nearly half of their business processes to be redesigned or rebuilt around AI agents within four years, only 5% said their business processes were highly prepared for agents. Just 15% reported scaled, orchestrated cross-functional multi-agent adoption.

The technology is advancing faster than many organizational processes.

Autonomy is not the objective

The excitement around agentic AI can create a misleading assumption: the most advanced system must be the most autonomous system.

That is not necessarily true.

The objective should be the right level of autonomy for the workflow.

Some activities should remain deterministic.

Some require AI-supported recommendations.

Others can be executed by agents with approval checkpoints.

A smaller category may eventually operate with substantial autonomy.

OpenAI’s practical guidance recommends using agents where workflows involve complex judgment, difficult-to-maintain rules, significant unstructured information, or contextual decisions that conventional automation struggles to handle. It also recommends starting with simpler agent architectures before adding unnecessary multi-agent complexity.

This discipline matters because Gartner expects more than 40% of agentic AI projects to be cancelled by the end of 2027 because of escalating costs, unclear business value, or inadequate risk controls. Gartner nevertheless forecasts that 33% of enterprise software applications will contain agentic AI capabilities by 2028, compared with less than 1% in 2024.

The message is clear: agentic AI may become pervasive, but poorly designed agentic initiatives will not automatically create value.

Workflow design becomes a strategic capability

The companies that benefit most may not simply be those with access to the strongest models.

Most organizations will ultimately have access to similar foundation models.

Differentiation will increasingly come from what surrounds them.

Which proprietary context can the agent access?

How well is the workflow designed?

Which tools can it use?

How are decisions evaluated?

What actions can it perform?

Where is human judgment inserted?

How quickly can the system learn from outcomes?

How effectively can workflows connect across departments?

This creates a new form of organizational intellectual property.

A company’s competitive advantage can become embedded in its workflows: the way it researches markets, qualifies opportunities, serves customers, evaluates risk, develops products, allocates resources, or makes decisions.

Agentic AI makes those processes increasingly programmable.

Software is not disappearing

The idea that workflows are becoming the new software does not mean applications disappear.

CRM, ERP, analytics, commerce, and operational platforms will remain essential.

What changes is their role.

Instead of serving primarily as destinations that employees continuously navigate, many systems may increasingly function as capability layers that agents access as part of a wider process.

The value chain could therefore shift.

The old question was:

Which software should we buy?

The emerging question is:

Which business workflows should we redesign, and what combination of intelligence, tools, systems, data, and human oversight should execute them?

That is a much more consequential question.

The next software category may be the company itself

Agentic AI ultimately suggests something larger than another generation of productivity tools.

It introduces the possibility that parts of an organization can become executable systems.

Research can trigger analysis.

Analysis can trigger decisions.

Decisions can initiate actions.

Actions can generate new signals.

Those signals can initiate the next workflow.

Human expertise remains essential, but increasingly at different points: setting direction, defining policy, reviewing exceptions, designing systems, exercising judgment, and deciding what outcomes matter.

The software layer begins to resemble the operating model of the organization itself.

That is why the rise of agentic AI should not be viewed primarily as another feature cycle in enterprise technology.

It is the beginning of a deeper architectural shift.

Applications organized digital work.
Agents coordinate it.
Workflows increasingly define how intelligence becomes execution.

And in that environment, the workflow may become the most important software a company owns.

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