“ The ongoing shift is from rule-based chatbots to agent assistants who understand intent and context” Emmanuel Baviere, Microsoft 119 “Corporate banking work rarely fits inside a single application,” says Pichach. “A banker may need to review meetings, compare documents, analyse account activity, consult policy, coordinate approvals and produce a client-ready deliverable. This is where Microsoft Copilot Cowork delivers real value. The banker delegates a body of work while still guiding the process, validating the sources and approving the outcome. Cowork and specialised agents can help prepare the client context, identify the right experts, surface risks, draft options and monitor next actions. I call it macro-delegation with micro-steering: a human still owns the judgement and relationship, but the bank can respond with more speed, consistency and relevance.” Below this layer, a comprehensive Microsoft stack handles orchestration. “Microsoft 365 Copilot is where most banks start, in the daily workflow,” says Baviere. “Copilot Studio and Microsoft Foundry allow them to create low-code or pro-code custom agents for their own processes. Fabric IQ provides a semantic layer over the bank’s data, while Foundry IQ bases responses on cited and authoritative knowledge such as product terms and policies. Work IQ supports execution like creating records, orchestrating steps across systems with an audit trail and keeping humans informed. Meanwhile at the trust boundary, Microsoft Entra and Purview, with a control layer such as Agent 365, provide security, compliance and oversight for the entire fleet of agents. This allows staff FEATURE
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