Agentic AI systems—capable of autonomous decision-making, task coordination, and continuous engagement—are poised to fundamentally reshape how consumers interact with industries. From housing and lending to health and education, developers promise 24/7 service, personalized guidance, and real-time operational support at scale. But what does this transformation mean in practice? This panel will explore how agentic AI can expand access to opportunity, enhance service delivery, and reduce friction in complex systems—while examining risks, adoption barriers, governance challenges, and the long-term implications of AI-mediated service ecosystems.