Part two · Licence to Act · the interactive map
1 / 1
Licence to Act · Capgemini Financial Services · AI Enterprise Hub · October 2026 · witold.reichhart@capgemini.com
A
Capgemini Financial Services · AI Enterprise Hub

The control plane map

How much may an AI agent decide on its own?

The opening · why it matters
The opening · what this part shows

Why it matters: what changes when AI starts to act, and why the firm’s control decides the value.

Before the map, the first slide puts what a firm lets AI do on a ladder and marks where an answer becomes an act. The second shows capability and control moving apart, with the incident count, the adoption rate, and the share of firms that govern their agents. The third says what control is made of in a firm, and how small the software part is. The fourth turns the argument round: the value of an agent grows with how much the firm can safely let it do, so the evidence a firm can show sets the ceiling on the value it can take.

  1. 3
    AI is moving from answering questions to exercising delegated authorityWhat a firm lets AI do, on a ladder from drafting an email to moving money, and the line where the firm stops checking an answer and has delegated an act.
  2. 4
    Capability and control are divergingDocumented incidents up by more than half in a year, adoption at 88 percent, one in five of the firms planning agents with a mature governance model for them.
  3. 5
    Control is how a firm runs, and software is one part of itWhat a firm already has, each with an owner: the law as read, policy and limits, procedures, the record, people and their judgement, and the systems. The plane is built from all of them.
  4. 6
    Control is where the value isValue rises with the level of delegation, and the evidence the firm can show sets how high the level may go.
At the end you can answer
  • Where on the ladder does an answer become an act, and what question does the firm have to answer from that rung up?
  • Why does more capable AI widen the gap between capability and control, and where do the incidents happen?
  • Which parts of a control plane already exist in the firm, and who owns each?
  • What sets the ceiling on the value a firm can take from its agents?
Reading on your own

About 6 minutes. → or the space bar moves on, and through the steps first where a slide builds in steps. Click a line on the left to go straight to that slide.

M opens the contents, F finds a word, and T switches between light and dark.

Then part one draws the map of what must be governed when an agent acts, at the enterprise, in the workflow, and on the platform, and says what the control plane is.

The opening · 1 of 4

AI is moving from answering questions to exercising delegated authority.

Would you let an AI system do this on its own? The answer changes as you climb the ladder, and so does the question the firm has to answer before it says yes.

01
Draft an email
Todaya person reads it before it is sent
If it is wrongthe draft is deleted
02
Recommend an offer to a customer
Todaya person accepts, changes, or rejects it
If it is wrongthe person overrules it
an answer becomes an act
03
Approve a refund
Todaypaid within an agreed limit; nobody looks before it goes out
If it is wrongmoney has left, and a complaint comes back
04
Change a production schedule
Todayother people and systems act on the change
If it is wronghours of other people’s work, and a day lost
05
Move money, or control a physical asset
Todaycannot be reversed, or is costly to undo
If it is wronga loss, a harm to a customer, or a finding
rising authority · access · consequence →

Below the line the firm checks an answer. Above it the firm has delegated an act, and the question changes: what may it do, for whom, and up to what amount?

The opening · 2 of 4

Capability and control are diverging.

Capability moves with every model release, every few weeks. The firm’s control of delegated work moves with its policy cycle, once or twice a year. The gap between the two is where the incidents happen.

AI incidents reported to one public database
2332024
3622025

Up by more than half in one year. In the same year regular use of AI in at least one business function reached 88 percent of the organisations surveyed.

AI Incident Database, and the McKinsey Global Survey on AI, in the Stanford HAI AI Index 2026
Of the firms planning agents, those with a mature governance model for them
1 in 5

21 percent of the firms planning agents within two years said they had one, in a survey of 3,235 business and IT leaders in 24 countries. In Deloitte’s words, agents are scaling faster than their guardrails.

Deloitte, State of AI in the Enterprise 2026, January 2026
Why a model error is not a software bug

Probabilistic. The output varies from run to run, and its confidence can exceed its correctness.

Connected. The model retrieves data, calls tools, and triggers acts in other systems.

At machine scale. One weak control repeats across thousands of decisions before anyone reads one of them.

A model error becomes an enterprise event the moment it is connected to authority, data, and action. The ladder’s upper rungs connect all three.

The opening · 3 of 4

Control is how a firm runs, and software is one part of it.

The gap on the last slide is not closed by a product. Anyone who runs an organisation knows what control is made of: parts the firm already has, each owned by someone in this room, and only one of them runs on a server.

1
The law, as the firm reads it
legal · compliance · risk

Regulation binds the firm; the firm decides what applies, and writes it into policy. For an agent that reading has to be written down, dated, and owned.

2
Policy and limits
the board · the CRO · the CFO

The risk appetite, the ceilings, the control standard. They exist today for people; an agent needs them as numbers and rules a machine can read.

3
Procedures and processes
the business owner · operations

How the work is done, step by step, and who may decide what. The mandate an agent works under is a procedure written tightly enough to be checked.

4
The record
risk · internal audit · the records office

What was decided, on what basis, by whom. The three lines and the supervisor read it; an agent has to leave one that someone who was not there can rebuild.

5
People and their judgement
handlers · officers · specialists

The tacit part: how the unusual case is treated, what the procedure leaves unsaid. It reaches an agent only through the people who take its referrals.

6
The systems
the CTO · the CISO · the platform

Identity, access, the gateway, the logs, the model and its harness. The part that runs on a server, and the only part a product can sell.

Every one of the six is a piece of the control plane, and every owner above has a seat at this table. The map in part one gives each piece a box, at the altitude where its owner works.

The opening · 4 of 4

Control is where the value is.

The value of an agent grows with how much of the work the firm lets it do alone. Each step up needs a step of evidence the firm can show, and the set’s first hard rule holds at every step: autonomy may not rise above evidence.

A.0
a tool: it recommends, a person acts
K0 · logs only
A.1
one automated task
K1 · measured
A.2
partial; a person ready to take control
K1 · measured
A.3
most tasks alone; a person decides the critical ones
K2 · reconstructible
A.4
all tasks, in stated circumstances
K3 · governed
value the firm takes

The evidence a firm can show sets the ceiling on the value it may take from its agents. Raising that ceiling is the work of the control plane, and part one draws the map of it.