Most banks racing toward agentic AI are about to learn an expensive lesson. You don’t start with the bots. BNY didn’t. The first global systemically important bank (G-SIB) to publicly deploy what it calls “digital employees” — AI agents with logins, email addresses, and human managers — built its agentic future in the most counterintuitive order possible. Platform first. People second. Automation last. It’s working. BNY has more than 130 digital employees in production, up from 70 less than a year ago.