Today's AI agents don't meet the definition of true agents. Key missing elements are reinforcement learning and complex memory. It will take at least five years to get AI agents where they need to be.

Having spent the last two years building generative AI (GenAI) products for finance, I've noticed that AI teams often struggle to filter useful feedback from users to improve AI responses.

Andrew Barto and Richard Sutton developed reinforcement learning, a technique vital to chatbots like ChatGPT. By Cade Metz Reporting from San Francisco In 1977, Andrew Barto, as a researcher at the ...