Mr. Barry Lowry:

It is not being done cohesively, but that will happen and it will certainly be the subject of some experimentation. I think the Chair asked a question about agentic AI. Life events is an area where agentic AI could be very successfully used. I might just explain how I define agentic AI. Where there are a lot of AI-related services, agentic AI is almost like the orchestrator of those services. A good explanation would be to imagine going to see Tottenham Hotspur. I would buy a ticket and then book a hotel, travel and so on. Agentic AI would ask the virtual assistant Alexa to get everything I need to go to the Tottenham Hotspur game on the given date and it would do all those bookings for me. In other words, it is liaising with other AI to build out the services. We can see how that could be deployed in terms of a life event. On being informed of the birth of a child, for example people would know four specific things need to happen immediately. That might be a simple as sending an email or SMS to get that to function and get the service to proactively kick off. It might link with another AI device or process and make that service happen straight away.