•An AI agent is not "a chatbot that clicks buttons." It's a workflow executor with decision rights. Decision rights demand governance: controls, logs, reconciliation, and accountable signoff.
•Agents only create enterprise advantage when they compress cycle time on high-friction work: approvals, reconciliations, reporting, exceptions, and coordination across functions.
•The economic moat is not the model. It's the evidence layer: source artifacts, transform hashes, freshness SLAs, data quality gates, and audit-grade receipts attached to every output.