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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
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License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 03

Published on: March 2026 2026

A COMPARATIVE & SYSTEMATIC REVIEW OF LITERATURE ON THE IMPACT OF AGENTIC AI ON SELECTED FINANCIAL SERVICES: BANKING, INSURANCE & INVESTMENT

Dr. Krishna Kedia Dr. Dhaval J. Thaker Dr. Chirag Mehta

School of Information Technology AURO University Surat India
DOI:https://doi.org/10.55041/ijcope.v2i3.264

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Plagiarism Passed Peer Reviewed Open Access

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Abstract

This review synthesizes research on "Comparative analysis of Agentic AI's impact across different financial services such as banking, insurance, and investment" to address the underexplored differential effects and governance challenges of agentic AI deployment. The review aimed to evaluate agentic AI applications and outcomes across sectors, benchmark architectural frameworks, identify ethical and regulatory challenges, compare productivity and risk management benefits, and analyze implementation barriers. A systematic analysis of multidisciplinary studies published up to mid-2024 was conducted, encompassing qualitative, quantitative, and bibliometric methodologies focused on agentic AI technologies in financial domains. Findings reveal substantial productivity gains and operational efficiencies predominantly in banking and investment, with insurance comparatively underrepresented; diverse architectural models such as multi-agent systems and cloud- based frameworks enable scalable, adaptive deployments; ethical concerns including bias, transparency, and regulatory compliance remain critical, necessitating layered governance and human-AI collaboration; and significant implementation barriers persist, notably workforce transformation, legacy system integration, and trust deficits. These findings collectively underscore the transformative potential of agentic AI while highlighting persistent gaps in empirical validation, standardized evaluation, and sector-specific comparative analyses. The review informs theoretical understanding and practical governance by emphasizing the need for interdisciplinary, longitudinal research and robust frameworks to optimize agentic AI integration and responsible innovation across financial services.

 Keywords:  Agentic AI, Financial Services, Systematic LR, Banking, Insurance, etc.

How to Cite this Paper

Kedia, K., Thaker, D. J. & Mehta, C. (2026). A Comparative & Systematic Review of Literature on the Impact of Agentic AI on Selected Financial Services: Banking, Insurance & Investment. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(03). https://doi.org/10.55041/ijcope.v2i3.264

Kedia, Krishna, et al.. "A Comparative & Systematic Review of Literature on the Impact of Agentic AI on Selected Financial Services: Banking, Insurance & Investment." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 03, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i3.264.

Kedia, Krishna,Dhaval Thaker, and Chirag Mehta. "A Comparative & Systematic Review of Literature on the Impact of Agentic AI on Selected Financial Services: Banking, Insurance & Investment." International Journal of Creative and Open Research in Engineering and Management 02, no. 03 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i3.264.

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References


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  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
  • •Authors retain copyright.
  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: Apr 01 2026
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