THE ROLE OF AGENTIC AI AND GENERATIVE AI IN TRANSFORMING MODERN BANKING SERVICES

The research is based on the importance of the agentic AI and generative AI that can change the current banking services. The entire analysis has been executed using secondary qualitative analysis using journals and other reports. A total of three themes are generated that are decision-making and automation using agentic AI, personalisation and fraud detection using generative AI, and integration issues, together with future opportunities. The results indicate that these two tools and hybrid human-AI decision-making are used to mitigate fraud-related activity in the banking sector. These findings cover gaps in the past research, which concentrated on isolated applications. The study finds that ethical adoption of agentic and generative AI will lead to innovation, build customer confidence, and deliver sustainable banking solutions.