Agentic AI could transform 90% of work in Colombia’s financial sector

August 21, 2026 2 min read

In Latin America, 71% of banking executives see AI as revolutionary, while 65% of users would consider autonomous financial assistants to manage their resources.

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Agentic artificial intelligence could transform up to 90% of the tasks currently performed by workers in Colombia’s banking and insurance sectors.

The challenge for financial institutions will be to integrate these systems without losing human control over decisions, security and customer trust.

Agentic artificial intelligence could transform up to 90% of working hours in banking and insurance, according to Accenture studies, as Colombia’s financial system moves toward an increasingly digital model. In the first quarter of 2026, 6.078 billion transactions worth more than COP 3,153 trillion were carried out, with 84.6% conducted through non-face-to-face channels.

The transformation is also supported by the adoption of digital channels among users and by artificial intelligence training programs. According to data cited by Accenture, the national government has trained more than 102,000 people in AI and invested more than COP 148 billion in initiatives such as PotencIA and AI for Productivity.

Agentic AI changes the way banks work.

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Agentic AI refers to systems capable not only of answering questions, but also of executing complex tasks and making autonomous decisions within defined parameters.

This development is driving the concept of the “10X Bank,” in which professionals work alongside digital agents to increase productivity and customer service.

According to Accenture studies, adopting AI through a human-centered approach could increase global GDP by US$10.3 trillion over the next 15 years.

The financial sector represents one of the biggest opportunities for transformation because up to 90% of its working hours involve tasks related to document analysis, data and information management.

User attitudes also point to a favorable environment for these systems. In Latin America, 71% of executives in the sector consider AI revolutionary for their operations, while 71% of users would accept an AI assistant integrated into their primary banking app and 65% would be willing to use autonomous financial assistants to manage their resources.

Human judgment retains strategic control.

Despite the advance of automation, 80% of banks currently operate under a “Human in the Lead” model, according to Accenture research. Under this approach, people set objectives, oversee results and manage exceptions to maintain transparency, regulatory compliance and trust in the systems.

One area where this technology can be applied is Know Your Customer (KYC) and anti-money laundering.

By processing large volumes of unstructured documents, agentic AI can reduce operational errors and accelerate credit approvals, while analysts focus their work on higher-risk investigations and tasks requiring critical judgment.

“The growth of financial institutions in the country will no longer be limited by the number of employees, but by their ability to build a hybrid workforce of people and digital agents. In a market where almost 85% of interactions are digital and 5G networks already reach 9.9 million users, the success of banking will depend on how it trains its talent to lead alongside these new colleagues,” explained Juan Antonio García, Senior Client Account Executive.

The challenge for Colombian banks will be to move toward an agentic architecture capable of reasoning and making decisions in real time within banking applications themselves, supported by the technical and human capabilities the country is developing.