Gartner Predicts 40% of Enterprise Apps Will Have AI Agents by 2026

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Gartner forecasts that 40% of enterprise applications will include task-specific AI agents by end of 2026, up from under 5% last year. A UK payments engineer argues the real challenge is not adoption but the infrastructure beneath it, particularly how agents handle financial transactions. He contends that agents capable of completing tasks must eventually be able to move money autonomously, making them economic actors rather than mere assistants. His company, Atoa, is building a regulated bank-to-bank payment rail for AI agents, using FCA authorisation and signed audit trails to enforce scoped spending mandates. The key shift, he argues, is moving from asking whether an agent can act to ensuring its authority is explicit, verifiable, and provable.

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