Capital One says agentic AI lives or dies on data plumbing
Capital One vice president of enterprise AI Rashmi Shetty said the bank treats agentic AI as an end-to-end system, not a model choice, leaning on governed data pipelines, sandbox testing, observability of agent actions and human review for high-risk steps. The bank's Chat Concierge multi-agent tool has been in production for more than two years helping customers shop for cars.
NoteThe lesson from a bank that has run agents in production the longest: the hard part is not picking a model but building the data lineage and guardrails around it, which is the work still missing at banks racing to bolt agents onto legacy pipelines.