But the line is already moving.
Some teams have crossed it. ElevenLabs ships support agents that handle account inquiries, transaction disputes, and collections for retail and financial-services customers — routine cases resolved without a human in the loop.
customer asks for a refund
→
agent resolves itminutes · no human
Source: elevenlabs.io — AI agents for financial services. The frontier isn’t should agents move money. It’s who can prove what they did.