A recent research brief from the MIT Center for Information Systems Research on four new business models for the era of agentic artificial intelligence:
research
Key points:
4 business models for the AI era:
- Existing+: These firms augment an existing business model with AI. Here, a financial services company could enhance the traditional advisory process by using AI to analyze customer information and provide personalized recommendations.
- Customer Proxy: These firms achieve customer outcomes (within guardrails) using predefined processes now supported by AI. In this case, a financial services company could set parameters to automatically manage a customer's investment portfolio.
- Modular Creator: Much like producers of plug-and-play products, these firms use AI to assemble reusable modules (including those from third parties) into tailored service bundles. Applying this model, a financial services company could create and recommend a bundle of investment, insurance, and credit products that align with a customer's goals.
- Orchestrator: These firms achieve customer outcomes (within guardrails) by using AI to assemble an ecosystem of complementary products and services. In this case, a financial services company could provide a fully managed wealth solution that automatically and continuously optimizes the customer's investment portfolio.
- Todor
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Todor Kostov
Director
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