Beyond Wrappers: Unlocking Strategic Value with Generative Agents

The next wave of enterprise AI isn’t about better answers, it’s about better questions, starting with how you frame the system.

In today’s GenAI boom, many organizations are focused on building “wrappers” – simple interfaces layered on top of large language models (LLMs) to deliver chatbots, summarizers, or content tools. These wrappers offer quick wins but often miss the deeper opportunity: reimagining how we represent and act on the world using generative intelligence.

The real breakthrough comes not from feeding existing data into an LLM, but from redefining how the world is represented in machine-readable form. That means designing new kinds of tokens—structured snapshots of evolving systems—that capture the dynamic states of customers, supply chains, portfolios, or policies. This reframing transform business problems into sequential prediction and decision-making tasks, enabling the use of powerful tools originally built for language, like Transformer architectures.

It’s a subtle but important shift: we’re not just applying models to data – we’re engineering new representational systems that allow businesses to model, reason about, and optimize the real world with GenAI’s full ecosystem of algorithms.

From Language to Systems: Generalizing the Sequence Paradigm

Transformers revolutionized NLP by treating language as a sequence of tokens. But the same approach can be applied far beyond text/vides/images. Any system that evolves over time—customer journeys, treatment paths, trading patterns—can be represented as a sequence of discrete states. These aren’t just records; they’re tokens in a newly imagined state space.

  • In retail, a customer’s token might represent items browsed, loyalty tier, and past interactions.
  • In healthcare, a patient token could reflect labs, prescriptions, and risk scores.
  • In logistics, a shipment token might contain location, delay signals, and upstream bottlenecks.

Once we construct these tokens, we can use the full GenAI toolbox—transformers for sequence modeling, diffusion for exploration, RL for goal-directed learning. We’re not adapting LLMs to business data—we’re adapting business representations to the generative modeling paradigm.

This unlocks something far more strategic than prediction: agency. These systems can anticipate, adapt, and act.

Modeling, Not Just Inference

By viewing complex systems as evolving token sequences, businesses can do more than infer likely outcomes—they can influence them. This is where reinforcement learning comes in. RL agents operate over these state spaces, choosing actions that maximize long-term value—whether that’s reducing churn, stabilizing supply chains, or preventing fraud.

Critically, these tokens aren’t off-the-shelf. They must be engineered to express what matters in a domain: signals, thresholds, temporal dependencies. That engineering work—framing your system as a generative sequence—is the unlock. It’s what allows your organization to step into the GenAI era not just as a user, but as a creator of intelligent infrastructure.

Business Applications: Reframed, Rebuilt

Below is a refined snapshot of where this approach is already showing impact. These sectors have begun reframing their core systems as generative sequences—and are using that foundation to unlock predictive, personalized, and adaptive workflows.

DomainState DefinitionLLM TaskRL RoleBusiness Value
HealthcareDiagnoses, meds, labs, clinical notesPredict events, recommend treatmentsOptimize care pathwaysPersonalized care, early intervention
RetailProduct interactions, cart behavior, loyalty scoreRecommend products, predict churnMaximize customer lifetime valueHigher conversion, retention
E-CommerceBrowsing behavior, purchase history, clicks, locationReal-time recommendations, bundlingAdaptive promotion and targetingIncreased basket size, AOV
Web PersonalizationSession history, content interaction, user profileContent ranking, page layout generationOptimize for engagement and retentionHigher CTR, session duration
Supply ChainInventory, demand signals, transport dataDemand forecasting, disruption predictionInventory and route optimizationLower cost, greater resilience
FinanceTrade history, market data, portfolio positionsPredict prices, detect anomaliesOptimize asset allocationReduced volatility, better returns
Fraud DetectionTransactions, devices, time/location, user metadataAnomaly detection, pattern synthesisAdaptive thresholdingLower false positives, adaptive detection
CybersecurityEvent logs, access patterns, attack indicatorsAlert triage, summarization, behavioral modelingThreat mitigation, active defenseShorter detection and response time
HR & TalentRole, performance, interaction data, career trajectoryPredict attrition, personalize learning pathsOptimize team compositionBetter retention, improved development
EducationStudent progress, course interactions, knowledge checksPersonalized tutoring, curriculum generationAdjust instruction in real-timeHigher mastery, engagement
Legal / ComplianceCase metadata, documents, citations, timelinesSummarize cases, predict next actionAutomate document review and prioritizationLower cost, improved accuracy
Customer SupportInteraction history, issue type, product dataSummarize tickets, suggest resolutionsOptimize agent routing or triageFaster response, improved CSAT
MarketingEngagement signals, campaign response, behavior graphsGenerate personalized copy or campaign ideasOptimize channel and messaging timingIncreased ROI on ad spend
Product ManagementFeature usage, telemetry, NPS, session flowsPrioritize features, detect drop-offsOptimize roadmap sequencingData-driven product development

Each application starts not with model tuning—but with state space design. What matters? How does it change over time? Once those questions are answered, the rest—modeling, optimization, orchestration—follows.

From Representations to Agents

This new paradigm enables a shift from using AI for isolated tasks to deploying adaptive agents that operate across the enterprise. These agents learn patterns, propose actions, and even collaborate—treating the business as a living system rather than a set of disconnected functions.

And because we’re building on the robust, flexible ecosystem developed for generative AI—transformers, attention, tokenization, reinforcement loops—we can bring maturity and scalability from day one.

Final Thought: It’s About Framing

The next wave of enterprise AI isn’t about better answers—it’s about better questions. And those start with how you frame the system.

Are you feeding data into a tool? Or are you designing a new language for how your business evolves?

The most strategic organizations are doing the latter. They’re inventing new tokens. Crafting dynamic state spaces. And using GenAI not just to interpret the world—but to shape it.

Picture of Satheesh Ramachandran
Satheesh Ramachandran
Satheesh is the Head of AI and Data Science Product at Charles Schwab, with over 25 years of experience. He develops AI and ML models to drive business growth and reduce costs. He also mentors data scientists who now thrive at top tech companies.
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