No i still don't really know how to create/use AI agents. I just use chatpgpt and roocode primarily.

I work for a fintech. We're currently building agents to manage basic human labor tasks that are time consuming (think: initial credit analysis, initial web research for AML, etc.). Chatbots are a waste of the actual power behind engineering with LLMs. With tool usage, and detailed instructions, we're easily able to direct the agents to do very useful work. While it has been possible to build these kinds of automations previously, the costs (time and opportunity) would have been astronomical to capture and encode the reasoning in a programming language. Now we can simply ask the robot in plain language to do the task. It won't reduce our headcount, but it will enable scaling the business with way less hands. And the cost to develop is very minimal. The first MVP for the credit analysis robot was vibe coded in an afternoon using an off-the-shelf lib. Doing the actual engineering is trivial context management and tool integration. The challenge is having the kinds of problems we do where these kinds of solutions make sense. In finance and insurance, there are tons of these manual human tasks that could benefit from the robots. I expect this space to explode in the next couple of years.