Algorithmic agents—autonomous software entities that perform tasks, make decisions and negotiate on our behalf—are revolutionising industries by executing complex workflows at machine speed. From underwriting micro-loans to fielding customer enquiries, these digital brokers can operate at scales and speeds far beyond human capabilities.
Successful Deployments
Klarna’s Real-Time Underwriting Engine
Klarna, the Swedish buy-now-pay-later provider, uses an AI agent to make instant credit decisions for each purchase. Unlike traditional checks at account opening, Klarna’s models evaluate transaction-level data—past orders, behavioural signals and external credit feeds—to approve or decline loans in milliseconds. This approach drove Klarna’s global credit-loss rate down to 0.39% in H1 2023 and, in 2024, the firm processed approximately $93 billion in gross merchandise volume globally.
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