Celent has released the wealth management edition of its report entitled Agentic architecture and legacy modernisation.
Agentic AI has moved out of the demo and into procurement. Autonomous, goal-directed systems that plan and execute multi-step work across enterprise data and APIs now ship as production platforms from every major hyperscaler, and adviser-facing pilots are already running inside most large wealth managers.
For digital-native challengers, adopting them is straightforward. For established institutions, it is not. Decades of core banking ledgers, custodial systems, portfolio platforms, and compliance pipelines cannot simply be torn out — and the controls built on top of them are what allow a firm to operate under MiFID II, DORA, the SEC, and the FCA. The real question is not how to build a greenfield agentic platform. It is how to place autonomous reasoning on top of a highly governed estate without weakening the controls that keep the firm compliant.
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This report maps that problem and the architecture emerging to solve it: how an agent fits alongside the systems a wealth manager already runs, which platforms are competing to host it, and what a regulated institution should design toward while the market is still unsettled.
The report includes an overview and glossary of the fast evolving / emerging topic.
Further information on how to access the full report is available via this link
