RPA is excellent for deterministic, high-volume screen steps. It breaks when a field moves or an exception appears. Agentic AI adds reasoning and tool use, so it can handle variation — but it needs guardrails and approvals.
The pragmatic pattern is hybrid: deterministic steps stay deterministic, and an agent handles interpretation, routing and exceptions, escalating to a human when confidence is low.
What to do next
- Keep regulated calculations deterministic
- Use agents for interpretation and exceptions
- Log every tool call for audit
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