In 2024, we talked to AI. In 2026, AI is talking to our systems, our customers, and increasingly, acting on our behalf. With AI agents, we are moving AI from a tool to an actor, from assistance to agency and from outputs to actions. And that changes the nature of risk. AI agents plan, execute, and interact with the world on our behalf. They send emails, move data, trigger workflows, and increasingly operate across systems without human intervention.