Financial institutions are delegating consequential decisions to agentic AI systems that decompose goals, coordinate models and tools, and act with little oversight. Yet agentic AI governance in FinTech is under-investigated. We argue the binding governance constraint is not capability but verifiability. We define the Verifiability Gap as the shortfall between the verification delegated authority demands and the explainability and reproducibility retained after a decision. It is indexed to a verifier, evidentiary standard, and audit lag. We develop a multilevel governance theory for agentic AI and test its mechanisms in three studies over nine model versions, from a three-billion-parameter local model to a commercial frontier system. Study 1 shows that provider releases alter historical financial actions, and that the controls replay needs belong to the provider: the frontier model rejects temperature, top_p and top_k outright and exposes no random seed. Under the tightest controls each endpoint allows, a local model reproduced 320 of 320 executions, hosted models 319 of 320 and 959 of 960. Study 2 shows that orchestration is a latent policy layer. Architecture changes final actions, and no execution record repeated in any configuration at any scale. The frontier model reproduces its own actions more often than the local ones, its record no better, and loses a comparable share of its differentiation. Capability buys a higher starting point, not auditability. Study 3 shows two deterministic credit-model versions each reproduce their current action perfectly, yet the current cannot recover a historical one. We conceptualize reproducibility as a governance profile, not a scalar, yielding evidence-contingent delegation: authority is defensible only while retained evidence substantiates its exercise. Beyond finance, the framework extends to other high-stakes domains requiring auditability.
Kevin Qinghong Lin, Batu EI, Yuhong Shi +3cs.CV cs.CL cs.CY cs.HC
Data tells stories that shape society; the data journalist's job is to turn raw information into stories non-experts can trust. A high-quality news feature takes a newsroom team weeks: hunting for context, running statistics, choosing an angle, and designing visuals. Recent agents handle individual steps well: data-science agents close the analysis loop, while design agents synthesize beautiful websites. But can an agent serve as a data journalist end to end? We introduce Data Journalist Agent (Data2Story), a multi-agent framework that orchestrates specialized roles into a single virtual newsroom. Data2Story contributes two innovations. (i) Claims are evidence-grounded: an Inspector links every number, angle, and asset back to data, code, or an external reference. (ii) Articles are multimodally generative: rather than defaulting to plain text and static charts, Data2Story reasons about what readers will want to see, then deploys multimodal tools, such as interactive maps for geography and audio for music. We evaluate Data2Story on 18 articles, each paired with the originally published expert piece, along four axes: (a) human-agent angle coverage; (b) rubric evaluation with 53 participants across five dimensions; (c) computer-use agents as judges, a cost-saving proxy for how readers navigate interactive articles; and (d) verifiability, where a coding verifier re-executes statements against the data and checks claims against references. Data2Story produces competitive, evidence-traceable multimedia stories, with particular strength in transparency and auditability. Human articles retain an edge in editorial angle, creative design, and presentation. We position Data2Story as a collaborator for journalists, enabling more evidence-based, transparent, and verifiable reporting. Code and demos are available at https://data2story.github.io.