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abilities across any task). By nature, casual inferencing reduces multimodal AI to provide reasoned responses and understand
complexity in decision-making, meaning it requires less data and complex queries, and showcasing of adaptive learning in human
power to deliver typically better performance. Active use cases interactions). Yet the models are not fully autonomous, meaning
are still relatively limited and tend to center on manufacturing, they require human inputs to achieve goals (unlike agentic AI),
life sciences, decision sciences, and the study of human and do not yet integrate sensory information (from Internet-of-
cognition and behavior. Things (IoT) devices, for example), telematics, or other sources
of augmented real-time data needed for decision-making.
Agentic AI, which describes the development of increasingly
autonomous "AI agents" that make decisions and execute tasks Stepping into the unknown
based on a set of provided instructions (see Podcast: Artificial It is inevitable that other subjects will demand analysis over the
Intelligence Insights, Episode 4: Agentic AI, Oct. 30, 2024). This course of 2025, not least because 12 months is a long time in AI.
advancement opens the door for AI to shift from meeting a Our intention is to remain both proactive, through early
problem by providing relevant data to formulating and enacting identification and analysis of important (and high-potential) new
solutions. As Microsoft put it, when it launched its generalist trends and technological developments, and reactive, with
agentic system Magentic-One: the difference is "between forward-looking analysis of events as they unfold.
generative AI recommending dinner options… (and an) agentic
As always, that analysis, including insights from our AI and sector
assistant that can autonomously place your order and arrange
specialists, will be available across S&P Global's platforms and
delivery." Agentic AI promises to reduce the complexity inherent collated at our dedicated site: Artificial Intelligence Insights.
in many systems, enabling better human decision-making and a ____________________________________________
focus on higher-value activities like creativity, leadership, and
communication and clarification of decisions. Miriam Fernández is a Director in the Analytical Innovation
team; Sudeep Kesh is the Chief Innovation Officer and Paul
Cognitive AI, which refers to AI being able to mimic human Whitfield, Editorial Leader and Writer at S&P Global.
cognitive functions such as reasoning, learning, and problem-
solving--including by using cognitive computing structures S&P Global is an ACB Preferred Solutions Provider.
known as neuro-symbolic architecture that simulate human
patterns of learning, reasoning, and understanding. We expect
cognitive AI will follow the widespread adoption of agentic AI to
become the next step in the technology's evolution. Recent
multimodal virtual chatbots, such as ChatGPT-4o and its latest
model o1 (designed to think more deeply before responding),
have some features that qualify as cognitive AI (i.e., the use of

The Arkansas Community Banker is published quarterly and read by over 2,000 community bank directors, CEO’s,
presidents and key management personnel in every community bank and thrift in Arkansas. Other reader groups
include ACB Associate Members and Preferred Solutions Providers, as well as governmental and regulatory officials at
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has a bearing on Arkansas’ banking and financial services industry environment. In addition to the hardcopy, the
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Arkansas Community Banker | 21 | Winter 2025