Artificial intelligence (AI) is entering a transformative phase, defined by intelligent autonomy. Leading this shift is agentic AI, a framework of autonomous systems capable of making decisions, initiating actions and adapting in real time to dynamic operational conditions. Unlike earlier models that required constant human intervention, these agents operate independently, learning continuously and executing tasks with minimal oversight. This evolution is powered by the perceive, reason, act and learn (PRAL) loop, a cognitive framework that enables agents to function with intelligence, accountability and adaptability. This iterative process transforms AI from static automation into dynamic, memory-driven intelligence that evolves with business needs. 

      As organisations adopt agentic AI across operations, they are deploying specialised agents tailored for critical business functions. These agents are not generic; they are purpose-built to address unique challenges and opportunities across the enterprise. 

      AI agents can be classified into four broad categories


      KPMG’s TACO Framework categorises AI agents into four distinct types, all built on the same foundational capabilities, interpretation, reasoning, memory, tools and orchestration, while differing in their approach to goal planning, execution and complexity.

      Taskers

      Achieve specific objectives by breaking them into structured steps

      Automators

      Handle cross-departmental goals by streamlining entire business processes

      Collaborators

      Work alongside people in real time to enhance decision-making

      Orchestrators

      Operate across networks of other AI agents and humans by seamlessly aligning systems

      To know more about the framework, please click on the report: The Agentic AI advantage: Unlocking the next level of AI value.

      Agentic AI is not a concept of the future; it is now a practical force reshaping industry operation. Some of the following sectors are leveraging Agentic AI to unlock the next wave of efficiency and innovation

      • Banking and financial services

        Acts as a digital relationship strategist, automating complex decisions across customer engagement, risk assessment and fraud detection

      • Insurance

        Acts as a real-time risk assessor and claims optimiser, streamlining underwriting, dynamic policy management and customised coverage recommendations

      • Logistics and supply chain

        Acts as a real-time operations coordinator, interpreting live data to enhance demand forecasting, route planning and disruption management

      • Smart manufacturing

        Acts as an invisible operations supervisor, driving predictive maintenance, resource allocation and adaptive production control

      • Telecom

        Acts as a network-integrator, managing traffic flows, spectrum allocation and hyper-personalised customer engagement with contextual responsiveness

      As agentic AI becomes more autonomous and embedded across business functions, human judgement remains indispensable to ensure contextual relevance and ground innovation in accountability. Additionally, building trust, maintaining transparency and aligning AI behaviour with business principles are key to unlocking sustainable value. By aligning intelligence with integrity, organisations can scale agentic AI ethically and set global benchmarks for adoption in complex environments.

      Agentic AI: The future of autonomous intelligence

      From automation to autonomy, agentic AI is reshaping enterprise operations with purpose-built intelligent agents

      Agentic AI: The future of autonomous intelligence

      Key Contacts

      Akhilesh Tuteja

      Partner & National Leader, Clients and Markets

      KPMG in India

      Purushothaman KG

      Partner and Head Technology Transformation, Sector Head - Telecommunications

      KPMG in India

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