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AI Agents

What they are and why they matter

AI agents are systems powered by artificial intelligence (AI) that perform complex tasks or make informed decisions with varying human involvement. They surpass traditional chatbots and large language models (LLMs) by integrating data and advanced analytics tools to be more adaptable and capable of complex reasoning across industries.

Traditional AI to AI agents

AI systems have evolved from simple rule-based programs to intelligent, adaptive models capable of complex reasoning – transforming how software is developed and deployed.


How are AI agents used in today's world?

AI agents are shaping industries by enabling automation, improving efficiency and enhancing customer interactions. Explore more resources:

AI agents are here, but how autonomous should they be?

As organizations start to use AI agents that can act independently, they must consider fairness, bias and accountability – balancing AI autonomy with human oversight.

AI agent governance: The new frontier of trustworthy AI

Explore the governance frameworks needed to keep AI agents operating in ways that are legally compliant, ethically responsible and operationally safe.

Design a modern clinical trial analytics environment

Integrating modern AI capabilities in a validated environment could streamline processes from data retrieval and analysis to report generation.

Why decision intelligence matters more with AI agents

Decision intelligence involves designing, modeling and optimizing decision-making processes. See why it's essential to ensure AI agents make decisions that are effective, ethical and explainable.

Agentic AI explained

What is agentic AI? As a leading trend in tech, many people are wondering what it is and how it will impact business. Several factors make agentic AI especially relevant today – including the need for automation, improved decision making and greater productivity. However, there are risks and concerns with autonomous AI that bring responsible AI to the forefront. Listen to Marinela Profi explain agentic AI, real-world use cases, and the benefits and risks.

How are industries using AI agents?

AI agents are revolutionizing multiple industries by improving efficiency, decision making and customer experiences.

Banking

With the integration of AI agents, banks can combat fraud and financial crimes, manage risks, optimize models and enhance customer experiences with greater efficiency. AI agents streamline processes by orchestrating enterprise data, taking appropriate actions and continuously learning over time. Seizing the potential to improve various banking processes can lead to a more innovative, agile, profitable and efficient financial institution.

Health care

Providers, payers and public health agencies deliver care, manage coverage, and protect and improve population health. AI agents can be used to transform various processes. For example, AI agents can summarize and organize information to improve decision making and automate workflows across the agency. As a result, health care organizations may see improved quality along with cost and operational efficiencies.

Insurance

Insurers protect people and businesses by making decisions every day – whether underwriting a policy, settling a claim or providing advice to a customer about coverage. AI agents can accelerate steps within these processes by orchestrating enterprise data, taking appropriate action and learning over time. As a result, insurers may see reduced costs, increased customer retention and an overall positive impact on the combined ratio.

Public sector

Governments are empowered to manage public resources for the common good, set and enforce laws, and serve the public with fairness and transparency. AI agents can be designed to improve government decision making to operate resourcefully, prepare for uncertainty, and respond faster to complex, evolving public sector challenges. AI agents may also be trained to bolster transparency while ensuring data privacy and security for citizens.

AI agents operate on a spectrum of decision making – from fully autonomous actions to human-guided oversight. The key is balancing complexity, speed and determinism to ensure AI delivers the right outcomes at the right time. Bryan Harris Chief Technology Officer SAS


How do AI agents work?

AI agents aren’t a one-size-fits-all solution. Instead, they operate on a spectrum of autonomy, spanning two different decision loops:

  1. Human out of the loop. Operating autonomously, making real-time decisions without human intervention.
  2. Human in the loop. Engaging in human oversight as needed, assisting but not entirely replacing human decision making.

Each of these decision loops comes with key considerations, including:

  • Complexity of the problem. Lower complexity problems are often best handled autonomously, while higher complexity challenges often benefit from human oversight.
  • Determinism. Systems operating independently must deliver consistent, repeatable outcomes. Those working alongside humans can allow for more exploratory or adaptive results.
  • Speed of decision making. Real-time use requires millisecond-level responses, while nuanced scenarios may afford more time for analysis.
  • Accuracy and governance. The level of automation varies depending on the accuracy required and the need for regulatory oversight in industries like banking, insurance and health care.

AI agents in practice

AI agents operate through five key components: Perception, cognition, decisioning, action and learning.

  • 1. Perception: Collecting data

    An AI agent's foundation is its ability to perceive the world by collecting data from sensors, inputs and databases. The quality and breadth of this data are critical – accurate, relevant information enables better decisions, while incomplete data can lead to errors. Perception sets the stage for all subsequent actions.

  • 2. Cognition: Analyzing information

    Once the AI agent gathers data, it processes and interprets it in the cognition phase. Here, the agent identifies patterns, detects trends and draws insights using analytics, machine learning, linguistic rules, inference and LLMs.

  • 3. Decisioning: Determining the best action

    In the decisioning phase, an AI agent determines the best course of action based on its analysis and conditions placed on the agent. The agent selects the most effective response just as we make choices using available information. A well-defined decision framework is crucial, as poor decisions can have financial, operational or reputational consequences.

  • 4. Action: Executing the decision

    After decisioning, the AI agent puts that choice into action. This could mean completing a task, recommending a solution, or triggering a response in another system. And that action isn't always virtual – it could be sending an email or diverting a production line to a backup path because a likely need for maintenance was identified. This is where it moves from thinking to doing, turning insights into real-world results.

  • 5. Learning: Improving over time

    Unlike traditional systems that need manual updates, AI agents improve over time by analyzing the results of their actions. If a decision works, the agent reinforces that approach; if it fails, it adjusts. This ability to adapt makes AI agents smarter, more efficient, and better aligned with a specific goal over time. Agents can document the improvements and learnings that occur to allow their deployers to track and audit their evolution, allowing for both transparency in decision making and accountability in action.

The role of the environment

An AI agent doesn’t operate in a vacuum – it interacts with systems, people and processes that shape its decisions. The environment provides the context and feedback that influence perception, cognition and actions. A well-defined environment helps the agent make better decisions and continuously improve.

AI agents versus agentic AI

AI agents and agentic AI have been used interchangeably, but they have distinct meanings. Read on to learn the difference.

AI agents are specific, task-oriented AI systems designed to perform repetitive tasks on behalf of a user. These agents can automate processes, analyze data and make decisions based on predefined rules and algorithms. They interact with their environment, systems, people and processes to shape their decisions and actions.

Agentic AI refers to intelligent systems or "agents" that exhibit a higher level of autonomy and decision-making capabilities. These systems can make decisions, carry out tasks, and learn from their interactions within a given environment. Agentic AI is a broader framework that uses multiple AI agents to achieve complex goals autonomously. It involves a combination of AI, automation and human oversight to redefine how businesses operate, make decisions and interact with technology.

In short: AI agents are the tools. Agentic AI is the system that uses those tools to think, decide and act on its own. Not all AI agents are agentic – true agentic AI requires a higher level of autonomy and coordination. But full autonomy alone isn't enough for enterprise use. That’s where thoughtful orchestration, human oversight and trust come in.


Next steps

See how agentic AI plays a role in business innovation

SAS® Intelligent Decisioning

SAS Intelligent Decisioning empowers organizations to automate and manage complex decisions with speed and precision. Combining business rules management, real-time event detection, decision governance and advanced analytics enables enterprises to make data-driven decisions at scale. From personalized marketing and next-best actions to credit services and fraud prevention, it streamlines real-time customer interactions and operational workflows.